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.
IA
28/07/2026
Can you imagine a world without banknotes and coins? While such a future is not inconceivable, it is by no means imminent. Yet some believe cash has its days numbered. But could it really be nearing an end? And if so, would it necessarily be a good thing, or could it prove a misstep? The coexistence of physical and digital forms of money allows people to choose what best suits each situation.
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25/02/2026
From pen and paper to app: banking supervision in the data era Series: Regulation and Supervision
How does a bank make the change from pen and paper to algorithms to analyse customers’ ability to pay? What does the average household have to do with the broad economy? And how does Banking Supervision monitor that it all works as it should? Everything you always wanted to know and were never told about banking risk, digitalisation or the ubiquitous stress tests, clearly (and very concisely) explained by Antonio Morillo.
Credit
05/09/2025
Desertification and wildfires in Spain. The impact of climate change on bank lending
Desertification and the greater severity and frequency of wildfires pose a major climate risk for Spain. Together they can affect economic activity and also bank lending and financial stability. Conducting rigorous research on these issues allows us to understand their financial risk and helps us mitigate it.
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”.
06/05/2025
How do interest rates influence the supply of credit? Series: Focus. Research Videoblog
Less capitalized banks tend to be more restrictive when granting credit to small and medium-sized enterprises when interest rates rise. This is one of the main conclusions of the study 'The Transmission of Monetary Policy to Credit Supply in the Euro Area' by Miguel García-Posada and Peter Paz.
