Commentaries

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Author(s): 
Simon Krause

The growing choice of payment services should be good news for consumers, but only if they have complete information about the products being sold and the prices charged by each firm.

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Are households driving Europe’s economic recovery?

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In this ECRI Commentary, Sylvain Bouyon, Research Fellow at ECRI and CEPS, offers an up-to-date analysis of recent trends and developments in European mortgage markets.

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Author(s): 
Karel Lannoo

The European Commission’s Green Paper on retail financial services, published on December 10th, provides valuable insights into the possible benefits of a single market, as well as the obstacles to its development and the possible remedies.

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Given that final consumption of households has contributed on average to broadly 60% of EU-28 GDP since 2001, an assessment of the drivers behind its dynamics is quite timely in a context of gradual economic recovery.

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After 4-5 years of poor performance, final consumption of households in the 28 EU member states is expected to recover significantly in 2015 and 2016.

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Author(s): 
Alistair Milne

Alistair Milne argues in this ECRI Commentary that ‘FinTech’ (newly emerging Financial Technologies) can play a crucial role in achieving European policy objectives in the area of financial markets.

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Author(s): 
Robin Sainsot

The liberalisation of Eastern Europe’s market during the 1990s and the 2004 EU enlargement have had a great impact on the economies of Central and Eastern Europe (CEE).

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Home ownership has been a source of concern for many EU28 governments, especially since the start of the economic crisis in 2008-09.

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