Publications

16Nov
2012

Data protection at the cost of economic growth?

Published in: 
Commentaries
Author(s): 
Elina Pyykkö

The Data Protection Regulation proposed by the European Commission contains important elements to facilitate and secure personal data flows within the Single Market.

07Nov
2011

Review of the Payment Services Directive: The question of surcharges

Published in: 
Policy Briefs
Author(s): 
Elina Pyykko

The Payment Services Directive was intended to provide more price transparency for users and a level playing field for efficient competition among different payment services by decreasing the inhibiting effects of different legislation, cross-subsidisation and non-cost-based pricing.

07Nov
2011

Options for reforming deposit protection schemes in the EU

Published in: 
Policy Briefs
Author(s): 
Karel Lannoo, Maria Gerhardt

With the financial crisis, citizens suddenly realized that different levels and forms of depositor protection co-existed in the EU, whereas they had been told for almost 20 years that a single market was in place. Current deposit insurance arrangements in Europe need to be changed, as they match neither market integration nor consumer expectations.

07Nov
2011

EU Retail Financial Market Integration: Mirage or Reality?

Published in: 
Policy Briefs
Author(s): 
Karel Lannoo

This paper starts with a bird’s eye view of retail financial markets in the EU today and their degree of integration.

07Nov
2011

The European Commission and Financial Capability: Simplifying Financial Services

Published in: 
Policy Briefs
Author(s): 
Filipa Figueira

The European Commission has recently taken several initiatives to increase the financial capability of EU consumers.

07Nov
2011

One step closer to harmonised European payment systems

Published in: 
Policy Briefs
Author(s): 
Pauli Lepistö, Marc Rothemund, Nicola Jentzsch

Two years of intensive negotiations have ended with the adoption of the Payment Services Directive by the European Parliament in the first reading, and the proposed legislation is due to be adopted shortly by the EU Council.

07Nov
2011

The European Credit Information Landscape

Published in: 
Research Reports
Author(s): 
Marc Rothemund, Maria Gerhardt

Credit referencing occurs in many countries of the world with a primary purpose of collecting and providing information to help lenders make better decisions.

07Nov
2011

The Future of Retail Banking in Europe: Competition and regulatory challenges

Published in: 
Research Reports
Author(s): 
Nicola Jentzsch, Christian Wey

This report brings together in a single volume the excellent contributions presented at the high-level conference on “The Future of Retail Banking in Europe: Competition and Regulatory Challenges” held at CEPS on the 10th of June 2009.

07Nov
2011

Information Sharing and Cross-Border Entry in European Banking

Published in: 
Research Reports
Author(s): 
Caterina Giannetti, Nicola Jentzsch, Giancarlo Spagnolo

Information asymmetries can severely limit the cross-border border expansion of banks, if entering banks can only obtain incomplete information about potential new clients. Such asymmetries are reduced by credit registers, which distribute financial data on bank clients.

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