Publications

14Mar
2024

Bad news – technological progress could be severely hindered in creditworthiness assessments (and beyond)

Published in: 
Commentaries
Author(s): 
Judith Arnal

Credit reference agencies, like the German SCHUFA, produce credit scores and reports of natural persons that are, for instance, used by banks as an input to help decide whether or not to grant loan

01Mar
2024

Why would a traditional financial player be interested in issuing a stablecoin?

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

Increasingly popular and accessible, and expected to continue growing in popularity, crypto-assets have been available to buy for almost two decades.

23Nov
2023

ECRI Statistical Package 2023 - Key findings

Published in: 
Research Reports
Author(s): 
Damir Gojsic, Niloofar Adel

The ECRI Statistical Package 2023 provides data on outstanding credit granted by monetary-financial institutions (MFIs) to households and non-financial corporations (NFCs) for the period from 1995

24Oct
2023

A digital euro beyond impulse – think twice, act once

Published in: 
Research Reports
Author(s): 
Karel Lannoo, Apostolos Thomadakis, Farzaneh Shamsfakhr

A new study highlights that to ensure widespread adoption, the digital euro must offer a compelling value proposition and clear benefits to consumers and merchants in the EU, whi

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.

11May
2023

The move to instant payments – is it really such ‘a seismic switch?’

Published in: 
Commentaries
Author(s): 
Fredrik Andersson

The European Commission published a proposal on instant credit transfers in euro in October 2022.

28Mar
2023

A study on the application and impact of Directive (EU) 2015/2366 on Payment Services (PSD2)

Published in: 
Research Reports
Author(s): 
Fredrik Andersson, Beatriz Pozo Pérez, Willem Pieter de Groen, Tamás Kiss-Gálfalvi, Jelmer Nagtegaal, Inna Oliinyk, Meryem Gökten, Agustina Korenblit

European retail payments markets have undergone a significant transformation over recent years. Technological development has spurred a fast-paced evolution in payment services.

16Nov
2022

ECRI Statistical Package 2022 - Key findings

Published in: 
Research Reports
Author(s): 
Damir Gojsic, Aline Freitas Schincariol

The ECRI Statistical Package 2022 provides data on outstanding credit granted by monetary-financial institutions (MFIs) to households and non-financial corporations (NFCs) for the period from 1995 to 2021.

24Oct
2022

Is there a role for insurance in reducing income inequality?

Published in: 
Commentaries
Author(s): 
Fredrik Andersson, Willem Pieter de Groen

Lower income households tend to be disproportionally affected by unexpected life events and economic shocks.

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