ES

Carbó, José Manuel

Senior Economist

Professional information

The effects of open banking on fintech providers: evidence using microdata from Spain Andrés Alonso-Robisco, José Manuel Carbó, Pedro Jesús Cuadros-Solas and Jara Quintanero

Published online in Journal of Financial and Quantitative Analysis (July 2026).

Analysis of CBDC Narrative of Central Banks using Large Language Models Andres Alonso-Robisco and José Manuel Carbó

Published in: Finance Research Letters, Volume 58, Part C, December 2023, Art 104643

Machine learning in credit risk: measuring the dilemma between prediction and supervisory cost Andrés Alonso and José Manuel Carbó

Published in: Financial Innovation, Volume 8, Issue 70, July 2022

Accuracy of explanations of machine learning models for credit decisions Andrés Alonso and José Manuel Carbó

Published in: Financial Innovation, Volume 8, Issue 70, July 2022 and Computational Economics , v.66, issue 5, November 2025, pp. 4245–4274

Application of machine learning models and interpretability techniques to identify the determinants of the price of bitcoin José Manuel Carbó and Sergio Gorjón

Published in: International Review of Economics & Finance, v. 92, April 2024, pp. 123-140

Understanding the performance of machine learning models to predict credit default: a novel approach for supervisory evaluation Andrés Alonso and José Manuel Carbó

Empowering financial supervision: a SupTech experiment using machine learning in an early warning system Andrés Alonso-Robisco, Andrés Azqueta-Gavaldón, José Manuel Carbó, José Luis González, Ana Isabel Hernáez, José Luis Herrera, Jorge Quintana and Javier Tarancón

Houston, we have a problem: can satellite information bridge the climate-related data gap? Andres Alonso-Robisco, Jose Manuel Carbo, Emily Kormanyos and Elena Triebskorn

Published in Latin American Journal of Central Banking, v. 7, issue 1, March 2026, 100173.

El interés por la innovación financiera en España. Un análisis con Google Trends José Manuel Carbó and Esther Diez García

The Effects of Open Banking on FinTech Firms’ Dynamics and Funding Structure Andrés Alonso-Robisco, José Manuel Carbó, Pedro Jesús Cuadros-Solas, and Jara Quintanero (2026)

Journal of Financial and Quantitative Analysis , First View , pp. 1 – 27

Should We Trust the Credit Decisions Provided by Machine Learning Models? Andrés Alonso-Robisco y José Manuel Carbó (2025)

Computational Economics, Volume 66, pages 4245–4274

JEL Codes: C55, C63, G17

Where and how machine learning plays a role in climate finance research Andrés Alonso-Robisco, Javier Bas, José Manuel Carbó, Aranzazu de Juan y José Manuel Marqués (2024)

Journal of Sustainable Finance and Investment, Volume 15, Issue 2

Determinants of the price of bitcoin: An analysis with machine learning and interpretability techniques José Manuel Carbó & Sergio Gorjón (2024)

International Review of Economics & Finance, volume 92

JEL Codes: C40, C45, G12, G15

Analysis of CBDC Narrative of Central Banks using Large Language Models Andrés Alonso-Robisco y José Manuel Carbó (2023)

Finance Research Letters, Volume 58, Part C, Art 104643

Aprendizaje automático en modelos de concesión de crédito: oportunidades y riesgos Andrés Alonso-Robisco y José manuel Carbó (2023)

Análisis Financiero y Big Data, capítulo III, Funcas

Can machine learning models save capital for banks? Evidence from a Spanish credit portfolio Andrés Alonso-Robisco & José Manuel Carbó (2022)

International Review of Financial Analysis, Volume 84, 102372

JEL Codes: C45, C38, G21

Measuring the model risk‑adjusted performance of machine learning algorithms in credit default prediction Andrés Alonso y José Manuel Carbó (2021)

Financial Innovation Volume 8, Issue 70

JEL Codes: C53, D81, G17

Metros, agglomeration and displacement. Evidence from London José Manuel Carbó, Daniel J, Graham & Csaba G.Pogonyi (2021)

Regional Science and Urban Economics, Volume 90, 103681

Quantifying the impacts of air transportation on economic productivity: a quasi-experimental causal analysis Jose Manuel Carbo, Daniel J. Graham (2020)

Economics of Transportation, 24, 100195

JEL Codes: L93, R4, R1

Understanding the costs of urban rail transport operation Anupriya, Daniel J. Graham, José Manuel Carbó, Richard J. Anderson and Prateek Bansal (2020)

Transportation Research Part B: Methodological, volume 138, pp. 292-316

Do changes in air transportation affect productivity? A cross‐country panel approach L. AitBihiOuali, José Manuel Carbo and D. J. Graham (2020)

Regional Science Policy & Practice, Volume 12, Issue 3, Pages 369-552

Evaluating the causal economic impacts of transport investments: evidence from the Madrid–Barcelona high speed rail corridor José Manuel Carbó, Dan Graham, Anupriya, Patricia Melo and Daniel Casas (2019)

Journal of Applied Statistics, volume 46, issue 9