Publications

02Jul
2024

Making instant and inclusive payments a reality in the EU

Published in: 
Commentaries
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: 
Commentaries
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: 
Policy Briefs
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

02May
2024

Ten years of the SSM: The past, present and future of banking supervision in the Banking Union

Published in: 
Policy Briefs
Author(s): 
Judith Arnal, Apostolos Thomadakis

European banking supervision will have been operational for ten years come November 2024.

04Apr
2024

A radiography of crypto-assets and their risks

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

Public awareness of crypto-assets has increased but there is still room for improvement in understanding.

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

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