Artículo de revista ; En este artículo se analizan dos estrategias novedosas de competencia en el sector bancario: la banca como servicio (banking-as-a-service) y la prestación de servicios más allá de la banca (beyond banking). Se argumenta que estos modelos de negocio emulan la...

This paper analyses “banking-as-a-service” and “beyond banking”, two emerging bank competition strategies. These business models are argued to emulate the transaction-based inroads that BigTechs have made into finance. But they entail new risks that call for adequate regulatory responses...

As a result of the sweeping transition to a digitalised financial system, digital resilience is a fundamental pillar of financial stability. Achieving digital resilience poses a broad range of regulatory challenges, to respond to the complex combination of risks, essentially consisting of cyber...

As a result of the sweeping transition to a digitalised financial system, digital resilience is a fundamental pillar of financial stability. Achieving digital resilience poses a broad range of regulatory challenges, to respond to the complex combination of risks, essentially consisting of cyber...

Artículo de revista ; Los efectos disruptivos de la digitalización de activos exigen no solo adaptaciones legislativas y regulatorias, sino también la revisión del marco de reporting aplicable a esa categoría general de activos. Pero la difusión de información relevante para la toma de...

Artículo de revista ; The disruptive effects of the digitalisation of assets call for legislative and regulatory adaptation and for a review of the reporting framework applicable to this general category of assets. But the dissemination of relevant information for decision-making in relation to...