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Carbó, José Manuel

Senior Economist

Financial Innovation Division
ADG Payments and Market Infrastructures

Información de contacto

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

JEL Codes: 2514

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

JEL Codes: 2321

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

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

JEL Codes: 2032

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

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

JEL Codes: 2222

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

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

JEL Codes: 2215

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

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

JEL Codes: 2105

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

JEL Codes: 2105

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

Computational Economics

 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

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, April 2024

SUERF Policy Brief N386, July 2022

 JEL Codes: C40, C45, G12, G15

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

JEL Codes: 2321

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

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, November 2022, 102372

Banco de España Working Paper 2105

 JEL Codes: C45, C38, G21

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

JEL Codes: 2222

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

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

Regional Science and Urban Economics, Volume 90, September 2021, 103681

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

Financial Innovation 8: 70

SUERF Policy Note Issue No 210, December 2020

 JEL Codes: C53, D81, G17

Quantifying the impacts of air transportation on economic productivity: a quasi-experimental causal analysis Carbo, J. M., & Graham, D. J. (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, August 2020, pp. 292-316

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

Regional Science, Policy and Practice, 2020;12: pp. 493–50

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

Journal of Applied Statistics, volume 46, 2019, issue 9