1) La descarga del recurso depende de la página de origen
2) Para poder descargar el recurso, es necesario ser usuario registrado en Universia

Opción 1: Descargar recurso

Detalles del recurso


Retail and corporate banks have to cope with legacy issues that impede their efficiency and reactivity. In particular, different norms within groups are still used for accountancy, cost allocation systems and product hierarchies. Also, the share of IT spending used to maintain existing IT systems remains high. Yet, many of the banks’ activities are being rapidly digitalised, especially in consumer finance. The potential of data analytics is being gradually unleashed at different stages of the products. In that context, regulators should favour the digitalisation of banks while alleviating related risks. They should also build on this mutation to raise consumers’ welfare and the competitiveness of non-financial corporations (NFCs). Among these measures, the treatment of certain software expenses in the new Capital Requirements Regulation could be reassessed. Also, authorities should better foresee the cost of IT changes needed for implementing new rules and the indirect impact of those rules on banks’ clients, especially SMEs. Further convergence in know-your-customer processes for NFCs is needed. The preventive approach in credit should be generalised to all clients. Finally, labour and education policies are key to ensuring a sufficient supply of IT skills.

Pertenece a

ARCHIVE OF EUROPEAN INTEGRATION   Archive of European Integration  


Bouyon, Sylvain - 

Id.: 71195352

Versión: 1.0

Estado: Final

Tipo:  application/pdf - 

Palabras clavebanks/financial markets - 

Tipo de recurso: Other  -  NonPeerReviewed  - 

Tipo de Interactividad: Expositivo

Nivel de Interactividad: muy bajo

Audiencia: Estudiante  -  Profesor  -  Autor  - 

Estructura: Atomic

Coste: no

Copyright: sí

Formatos:  application/pdf - 

Requerimientos técnicos:  Browser: Any - 

Relación: [References] https://www.ceps.eu/publications/cost-and-value-banks-model-fit-digital-era
[References] http://aei.pitt.edu/93692/

Fecha de contribución: 11-abr-2018


* Bouyon, Sylvain (2018) Cost and Value in Banks: A model fit for the digital era? ECRI Research Report No. 20 April 2018. UNSPECIFIED.

Otros recursos del mismo autor(es)

  1. Dynamic Currency Conversion and Consumer Protection: Finding the right rules. ECRI Commentary No. 22, 19 March 2018 Several policy options are under discussion for better regulation of the dynamic currency conversion...
  2. Mid-term evaluation of the Hercule III programme. CEPS Research Report, February 2018 The Hercule III programme was established by the European Commission to promote activities against f...
  3. Introduction of a lifespan guarantee in the proposed online sales and digital content directives. Impact assessment of substantial amendments. Final Study. CEPS Study, October 2017 This study carries out an ex-ante impact assessment of substantial amendments put forward by the IMC...
  4. Recent Trends and Developments in European Mortgage Markets. ECRI Commentary No. 21, 30 May 2017 Ten years ago, persistent dysfunctionalities on mortgage markets inherited from the previous decade ...
  5. The Future of Retail Financial Services: What policy mix for a balanced digital transformation? Report of a CEPS-ECRI Task Force February 2017 In recent years, the digitalisation of retail financial services – retail payments, current/savings ...

Otros recursos de la mismacolección

  1. The EU Cohesion policy in context: regional growth and the influence of agricultural and rural development policies. LEQS Discussion Paper No. 85/2014 December 2014 This paper looks at the Cohesion Policy of the European Union (EU) and investigates how the EU agric...
  2. Differently unequal Zooming-in on the distributional dimensions of the crisis in euro area countries. LEQS Discussion Paper No. 86/2015 January 2015 This paper discusses how income inequality developed during the current crisis in euro area countrie...
  3. Current account “Core-periphery dualism” in the EMU. LEQS Discussion Paper No. 90/2015 March 2015 Current account (CA) dispersion within European Union (EU) member states has been increasing progres...
  4. Location Strategies of Multinationals from Emerging Countries in the EU Regions. LEQS Discussion Paper No. 93/2015 May 2015 This paper contributes to the current debate in both Economic Geography and International Business o...
  5. EU Citizenship and Withdrawals from the Union: How Inevitable Is the Radical Downgrading of Rights? LEQS Discussion Paper No. 111/2016 June 2016 What are the likely consequences of Brexit for the status and rights of British citizenship? Can the...

Aviso de cookies: Usamos cookies propias y de terceros para mejorar nuestros servicios, para análisis estadístico y para mostrarle publicidad. Si continua navegando consideramos que acepta su uso en los términos establecidos en la Política de cookies.