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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26 results found with the selected filters

Subhome_fintech

04/02/2026

Competition and financial stability in the fintech era

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.

Financial institutions, Banks

Episodio 9

18/06/2025

Financial stability, a check-over for the banking sector Series: Economy, Regulation and Supervision

Alejandro Ferrer , Irene Roibas

Driving safely means having a reliable and well-maintained car. But the roads need to be good and conditions favourable as well. It’s the same with the banking sector. If a bank is to act as an intermediary (channelling funds from savers to investors) it has to be solvent. But that isn’t enough: is the road – the economy – in good condition? Is there enough financial stability to move forward? Grab your headphones and click to find out!

Financial institutions, Banks

Subhome_IEF

27/05/2025

The Banco de España analyses the vulnerabilities and risks that could affect the Spanish financial system

Daniel Pérez Cid , Galo Nuño , Carlos Pérez Montes

The financial position of Spanish households, non-financial corporations and banks has fared favourably, while that of general government is more vulnerable. According to our latest Financial Stability Report, geopolitical tensions and the possibility of sudden, sharp corrections in the financial markets are the main risks to financial stability.

Financial institutions, Banks

Reclamaciones

26/03/2025

Trouble with your bank? When to turn to the Banco de España

Nieves Prieto Lavín , Jorge López Peña

Thousands of bank customers lodge complaints with the Banco de España. Although these often fall outside its remit, 80% of the opinions it is able to provide are accepted by banks. Knowing when (and when not) to bring complaints to the Banco de España's Complaints Service will help make this public service even more effective.

Financial institutions, Banks