Explainers

10Dec
2025

Unpacking the stack: how layered capital requirements shape European banking capacity

Published in: 
Explainers
Author(s): 
Judith Arnal

The EU’s banking capital framework comprises multiple layers – microprudential requirements, macroprudential buffers and resolution capacity – each calibrated by different author

03Dec
2024

AI and credit: Addressing the still open questions to prevent innovation paralysis

Published in: 
Explainers
Author(s): 
Judith Arnal

AI holds great transformative potential for virtually all businesses, and the financial sector is undoubtedly one of them.

29Aug
2024

FiDA: is the EU prepared to move from Open Banking to Open Finance?

Published in: 
Explainers
Author(s): 
Judith Arnal, Fredrik Andersson

The EU has made significant progress to unleash the full potential of data in the financial sector.

02Jul
2024

Making instant and inclusive payments a reality in the EU

Published in: 
Explainers
Author(s): 
Judith Arnal, Fredrik Andersson

On 19 March 2024, the Regulation on Instant Payments was published in the Official Journal of the European Union.

12Jun
2024

Priorities of the next European Commission for payments and credit

Published in: 
Explainers
Author(s): 
Fredrik Andersson, Judith Arnal, Beatriz Pozo Pérez

These ECRI Explainers delve into the payments and credit related policies that should be the focus of European legislation during the 2024-2029 institutional cycle.

06May
2024

Over-indebtedness in a high inflation and high interest rate landscape

Published in: 
Explainers
Author(s): 
Fredrik Andersson, Beatriz Pozo Pérez

Households have experienced varying credit conditions over the past few years. The Russian invasion of Ukraine created much market uncertainty and during the course of the year, energy prices surge

03Aug
2023

New EU rules for consumer credit markets

Published in: 
Explainers
Author(s): 
Karel Lannoo, Fredrik Andersson

Consumer credit is more prevalent in European countries than is often assumed.