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546,196 artículos

Año: 2022
ISSN: 2340-8790, 0019-977X
Gimeno, Ricardo; Marqués, José Manuel
Ministerio de Industria, Comercio y Turismo. Secretaría de Estado de Comercio
The methods based on artificial intelligence are changing numerous sectors, allowing for the automation of repetitive tasks and significant improvements in information analysis. The financial industry is also affected by these changes and is trying to take advantage of the opportunities that arise from them. Nevertheless, the industry also needs to be aware of their risks and limitations.    
Año: 2022
ISSN: 2340-8790, 0019-977X
Ares Lombán, Berta; Silió Delibes, Jaime
Ministerio de Industria, Comercio y Turismo. Secretaría de Estado de Comercio
DLT/Blockchain technology offers a new approach to management and data sharing, being a solution that reduces costs, creates new market niches and improves the efficiency of some relevant processes in financial markets and specifically, in capital markets. These days, there exists a broad consensus about it between most of market operators. Nevertheless, its implementation is disruptive and there are doubts on how to overcome existing barriers and to obtain competitive advantages in the future. We already count on several experiences and strides that hint future developments.
Año: 2022
ISSN: 2340-8790, 0019-977X
Encinas Sánchez, Juan Luis; Langa Hernando, José Luis; López Nestar, Alberto
Ministerio de Industria, Comercio y Turismo. Secretaría de Estado de Comercio
Digitalization has driven significant changes in payment systems all over the world, such as the advent of instant account-to-account payments. Asset tokenization in distributed networks entails a revolution in the way of understanding money and payments, allowing for a digital representation of money, which represents new challenges and opportunities for payment systems.
Año: 2022
ISSN: 2340-8790, 0019-977X
Padilla, Jorge
Ministerio de Industria, Comercio y Turismo. Secretaría de Estado de Comercio
Big Tech entry in banking can radically change that industry, specially the markets for payments and SME and consumer credit. Even if in principle such entry is expected to enhance competition and benefit the clients of retail banking, it could also lead to market concentration and an increase in financial instability. Its net effect on the economy, consumers and firms will greatly depend on the response given by regulators and competition authorities.
Año: 2022
ISSN: 2340-8790, 0019-977X
Ayuso Huertas, Juan; Conesa Lareo, Carlos
Ministerio de Industria, Comercio y Turismo. Secretaría de Estado de Comercio
This article analyzes and compares the characteristics, motivations and situation of some of the most prominent central bank digital currency projects on a global scale. Taking advantage of the available public information, it identifies a series of common features, at the same time confirming the importance of local specificities to explain the development process in which they find themselves.
Año: 2022
ISSN: 2340-8790, 0019-977X
Tobías Peña, Lara; Vallejo Gil, Cristina; Hinojo González, Pedro
Ministerio de Industria, Comercio y Turismo. Secretaría de Estado de Comercio
Online advertising is a paradigmatic case of the disruption driven by digitization. Online advertising is the main source for financing content on the internet and it is one the main revenue resources for big digital platforms. This is having sizeable effects on efficiency and competition, generating an interest by Competition and Regulatory Agencies.
Año: 2022
ISSN: 2340-8790, 0019-977X
Fraile Balbín, Pedro
Ministerio de Industria, Comercio y Turismo. Secretaría de Estado de Comercio
Review
Año: 2022
ISSN: 2340-8790, 0019-977X
García-Verdugo, Javier; Álvarez Suárez, Marisa; Domínguez Viera, Javier
Ministerio de Industria, Comercio y Turismo. Secretaría de Estado de Comercio
Introduction
Año: 2022
ISSN: 2340-8790, 0019-977X
García Andrés, Gonzalo; Fernández Vicién, Cani
Ministerio de Industria, Comercio y Turismo. Secretaría de Estado de Comercio
Presentation
Año: 2022
ISSN: 2340-8790, 0019-977X
Rodríguez de las Heras Ballell, Teresa
Ministerio de Industria, Comercio y Turismo. Secretaría de Estado de Comercio
The objective of this work is to approach the current state of the legal regime applicable in the European Union to the use of artificial intelligence systems in the financial sector and to reflect on the need to formulate principles and rules that ensure responsible automation of decision-making processes and that serve as a guide to implement artificial intelligence solutions in banking activity.

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