Commentaries

03Dec
2024

AI and credit: Addressing the still open questions to prevent innovation paralysis

Published in: 
Commentaries
Author(s): 
Judith Arnal

AI holds great transformative potential for virtually all businesses, and the financial sector is undoubtedly one of them.

29Aug
2024

FiDA: is the EU prepared to move from Open Banking to Open Finance?

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

The EU has made significant progress to unleash the full potential of data in the financial sector.

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.

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.

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.

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.

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