Using a simple format and plain language, the Banco de España Blog seeks to make our work more accessible to the general public. It allows us to share our analysis of economic and financial issues and the ins and outs of the Banco de España’s tasks and activities with all those keen to learn more.
The Blog series group together posts covering certain similar topics. Further down is a general listing of all Blog posts, with a search function to help readers find the posts they are interested in.
05/03/2026
The differences between men and women in financial literacy do not depend solely on whether their replies to a survey are right or wrong. Women tend to respond “I don’t know” more frequently. This option, which helps to explain the gender gap in literacy, is also linked to specific financial behaviours and settings.
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04/02/2026
Competition and financial stability in the fintech era
Technological innovation in financial services (known as fintech) is changing the way we manage our finances. Understanding its potential impact on financial stability is a key concern for the Banco de España and other financial supervisors around the world.
17/07/2025
How can fintechs broaden SMEs’ access to financing? Series: Focus. Research Videoblog
The fintech sector has the potential to broaden SMEs’ access to financing. José E. Gutiérrez and Josep Gisbert analyse this dynamic in “Bridging the Gap? Fintech and financial inclusion”.
17/06/2025
Big Tech and its role in the financial sector
Providing financial services entails financial stability risks which warrant applying strict regulation to banks. Big Tech companies have made rapid inroads in this area but are not subject to similar legislation. It is time to rethink the regulatory perimeter, but who and what should be included?
11/02/2025
The growth of online banking and how to mitigate the risks of financial exclusion
The use of online banking is becoming increasingly widespread and the digital divide across age groups is showing signs of narrowing. But for some people (particularly the elderly), the digitalisation of banking services and branch closures can be a stumbling block to doing their banking and getting hold of cash.
29/10/2024
Sandbox: the testing environment for financial innovation
To help the financial sector go digital, regulators have set up testing environments or sandboxes for innovative technological solutions. A sandbox allows supervisors and project promoters to work together in a controlled setting, where both can learn and gain significant benefits.
