Banco de España Blog

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.

 

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Competition and financial stability in the fintech era

04/02/2026 José Enrique Gutiérrez

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.

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Resolución de bancos: cómo proteger al sistema bancario sin rescates públicos

12/12/2025

Bank resolution: how to protect the banking system without public bail-outs

Alberto Concepción González , José María Serena Garralda

Bank resolution aims to efficiently and swiftly resolve failing banks, while protecting customers, public resources and financial stability. Over its ten years of existence, the Single Resolution Mechanism has effectively managed major crises, including the Banco Popular episode.

Single Resolution Mechanism