Research Reports

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Author(s): 
Inna Oliinyk, William Echikson

In September 2019 Europe’s financial markets will undergo a revolution.

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Author(s): 
Sylvain Bouyon, Simon Krause

In the midst of several large cyberattacks in 2017, the European Commission adopted its multi-sector cybersecurity package in September of that same year.

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Author(s): 
Sylvain Bouyon

Retail and corporate banks have to cope with legacy issues that impede their efficiency and reactivity.

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Author(s): 
Sylvain Bouyon

In recent years, the digitalisation of retail financial services – retail payments, current/savings accounts, consumer/housing credit, car insurance, property...

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Author(s): 
Sylvain Bouyon, Roberto Musmeci

The expansion of credit markets has fostered economic growth across the European Union, but it has also produced a sharp increase in the average level of household...

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Author(s): 
Alistair Milne, Paul Parboteeah

This paper reviews peer-to-peer (P2P) lending, its development in the UK and other countries, and assesses the business and economic policy issues surrounding this new form of intermediation.

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Author(s): 
Sylvain Bouyon

Proper understanding and monitoring of household saving are necessary to conduct appropriate macroeconomic policies aiming at a balanced economic recovery in the EU-15.

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Author(s): 
Maria Chiara Malaguti, Alessandra Guerrieri

Two-sided payment card markets generate costs that have to be distributed among the participating actors. For this purpose, payment card networks set an interchange fee, which is the fee paid by the merchant’s bank to the cardholder’s bank per transaction.

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Author(s): 
Ales Chmelar

The fall in economic output all over Europe since 2008 has had important consequences for household liabilities. Major growth in demand and supply for household credit products has generated an increase in household debt, which contributed to growth rates during the pre-crisis period but – in some countries – became household-debt overhangs and helped inflate asset bubbles.

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