Articles
Modelado basado en agentes para la simulación de políticas de sostenibilidad
Autores:
Alonso Betanzos, Amparo, Guijarro Berdiñas, Bertha, Rodríguez Arias, Alejandro, Sánchez Maroño, Noelia
Este trabajo presenta tres ejemplos de modelo basado en agentes inteligentes para prever el resultado de distintas políticas de sostenibilidad en una universidad o en una ciudad.
Recent developments in bancassurance in Spain
Autores:
Manzano, Daniel
Spanish banks’ insurance business, particularly in life insurance, have been a crucial source of earnings, directly contributing nearly 14% of their domestic profits in 2023. This contribution remains essential for banks’ profitability, with further growth expected from premium adjustments and rising non-life insurance activity.
Weakness in overall construction sector profitability: Low productivity exacerbated by labour shortages
Autores:
Moral, María José
The construction sector in Spain has shown resilience but continues to grapple with low productivity and labour shortages. Addressing these challenges is critical for maintaining profitability and meeting housing demand.
AI in banking through the eyes of the consumer
Digitalisation and artificial intelligence (AI) are redefining the relationship between customers and their banks by enhancing personalization, security, and efficiency; but not without risks. Striking a balance between innovation and trust, highlighting the role of transparency, ethical data management and human interaction, will be keys…
Bank profitability in the context of declining interest rates: Managing funding cost and allocation of household savings
As interest rates decline, Spanish banks face narrowing unit margins, prompting a strategic focus on managing retail deposit funding costs to preserve profitability. Banks with stronger control over deposit costs, particularly in smaller municipalities, are better positioned to stabilize savings flows because of their customers’…