Commentaries

14Oct
2025

Finance Europe is a well-intentioned label but it misses the structural point

Published in: 
Commentaries
Author(s): 
Judith Arnal

In June 2025, seven EU Member States (namely France, Spain, Luxembourg, the Netherlands, Estonia, Germany and Portugal) launched Finance Europe, a voluntary label for re

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.

20Dec
2021

Consumer Credit Directive review: Needed change

Published in: 
Commentaries

Following the rise in digital lenders and increasing online distribution of consumer credit, the European Commission proposed a revision of the Consumer Credit Directive (CCD) in June 2021.

06Jul
2021

Time to get serious on AML policy in Europe

Published in: 
Commentaries
Author(s): 
Karel Lannoo

Tackling money laundering is a longstanding policy priority, but one pursued with limited success. The EU Commission is announcing an AML action plan in July, but a new approach is needed. 

19Mar
2018

Dynamic Currency Conversion and Consumer Protection: Finding the right rules

Published in: 
Commentaries
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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