Financial Sector & Digitalization
The Financial and Digitization Area monitors the situation of the financial system, with special attention to the banking sector and groups of savings banks, and its digital transformation.
In this area, research of international diffusion in the financial system is carried out, developed by the researchers that form it and also through collaborations of the same with other world-renowned researchers. Among the topics that are most developed are financial and banking regulation and its effects, the competitive structure of the banking sector, the means of payment for business financing and the role of finance in economic growth.
The digital transformation of the Spanish financial system is analyzed through the Observatorio de la Digitalización Financiera (ODF). The objective of this Observatory is to generate, accumulate and disseminate information on the progress of the digital transformation in the Spanish financial system.
Highlighted
Artículo
Bank valuations and the effects of excess capital
Fecha:
March 2026
European banks are holding capital well above supervisory
requirements, even as regulatory simplification rises up the
policy agenda. Yet this may be counterproductive, as excess
capital —absent clear improvement in risk or profitability— is
linked to lower returns and weaker market valuations.
Artículo
Housing affordability in Europe: Long-termimplications and lessons for Spain
Fecha:
March 2026
The European experience shows that rent controls and demand
subsidies often produce short-term relief at the cost of longterm
distortions. In Spain, structural supply shortages and a
weak social housing stock continue to drive rising prices and
declining access.
El bancario es uno de los sectores que usa de forma más intensiva la Inteligencia Artificial. ¿Cuánto? Pedro Cuadros, de Funcas, lo explica en este video, en el que también detalla los usos que las entidades hacen de estas tecnologías y explica cómo, en muchas ocasiones, son los mismos bancos los que desarrollan sus propios modelos.
Artículo
Políticas de vivienda en Europa: efectos a largo plazo y lecciones para España
Fecha:
March 2026
Este trabajo analiza la experiencia comparada de las políticas de vivienda aplicadas en distintos países europeos desde comienzos de siglo.