Publications

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: 
Policy Briefs
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.

28Jun
2022

How to unlock the potential for instant payments?

Published in: 
Commentaries
Author(s): 
Beatriz Pozo Pérez, Willem Pieter de Groen

The ongoing digitalisation process is amplifying the importance of electronic payments for the functioning of the European economy.

20May
2022

Provision of actions to extend the availability and improve the quality of debt-advice services for European households

Published in: 
Research Reports
Author(s): 
Beatriz Pozo Pérez, Willem Pieter de Groen, Inna Oliinyk, Roberto Musmeci, Silvia Tadi, Apostolos Thomadakis, Cosmina Amariei

Debt-advice is a very effective tool to remedy over-indebtedness. The EC has decided to promote a project aimed at facilitating the delivery of debt-advice for European citizens.

18May
2022

Good practices in debt advice

Published in: 
Other publications
Author(s): 
Beatriz Pozo Pérez, Willem Pieter de Groen

Debt advisors play a crucial role in giving professional advice and finding the best solutions to help households get out of debt. Currently, there is only a tiny fraction of the qualified independent debt advisors needed to support all the over-indebted households.

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