Research Reports

31Jan
2020

The impact of EU price rules: Interchange fee regulation in retail payments

Published in: 
Research Reports
Author(s): 
Willem Pieter de Groen

Debit and credit cards have gradually increased in importance as instruments for retail payments.

14Nov
2019

Key Findings from the ECRI Statistical Package 2019 on Lending to European Households and Non-Financial Corporations: Growth and Trends

Published in: 
Research Reports

In 2018, loans to EU households and non-financial corporations (NFC) increased by 2.7%, the second consecutive year of the expansion.

12Sep
2019

Data sharing in credit markets: Does comprehensiveness matter?

Published in: 
Research Reports
Author(s): 
Giovanni Barci, Galina Andreeva, Sylvain Bouyon

The originality of the present study is to analyse whether sharing more comprehensive data improves the functioning of credit markets in European countries. Does a higher comprehensiveness in the data collected matter for credit markets? 

 

 

 

 

 

 

 

 

05Mar
2019

Price rules in consumer credit: should the EU act?

Published in: 
Research Reports
Author(s): 
Inna Oliinyk, Sylvain Bouyon

Price rules are enacted to prevent some sub-prime lenders from wrongly exploiting the price-insensitivity of a significant share of sub-prime borrowers.

28Sep
2018

Europe’s Payments Revolution

Published in: 
Research Reports
Author(s): 
Inna Oliinyk, William Echikson

In September 2019 Europe’s financial markets will undergo a revolution.

06Jun
2018

Cybersecurity in Finance: Getting the policy mix right!

Published in: 
Research Reports
Author(s): 
Simon Krause

In the midst of several large cyberattacks in 2017, the European Commission adopted its multi-sector cybersecurity package in September of that same year.

23May
2018

Cost and Value in Banks: A model fit for the digital era?

Published in: 
Research Reports

Retail and corporate banks have to cope with legacy issues that impede their efficiency and reactivity.

22Feb
2017

The Future of Retail Financial Services: What policy mix for a balanced digital transformation?

Published in: 
Research Reports

In recent years, the digitalisation of retail financial services – retail payments, current/savings accounts, consumer/housing credit, car insurance, property...

31Oct
2016

Two Dimensions of Combating Over-Indebtedness: Consumer protection and financial stability

Published in: 
Research Reports

The expansion of credit markets has fostered economic growth across the European Union, but it has also produced a sharp increase in the average level of household...

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