CIENxCIEN (one hundred percent) is a podcast on the latest economic, technological and social developments, brought to you by people working at the Banco de España. We want to throw open our doors and tell you about what we do, how we do it and the impact it has on your day-to-day life.
These down-to-earth yet rigorous podcasts will blend the simplicity of conversations between colleagues with the professionalism of our work in different areas, placing all our expertise at your disposal.
24/07/2026
We handle banknotes all the time, yet we seldom pause to think about what lies behind – and within – them. In this episode we discover how today’s banknotes are designed, through a process that combines art, technology, science and even psychology to create something as familiar as it is indispensable. Because a banknote is not defined by its face value alone: it also stands for trust, identity, and much more besides.
Series: Economy
Series: International
Series: Sustainability, Women in Economy
Series: Economy, Inside the Bank
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08/04/2026
Crypto-assets: from hype to regulatory reality Series: Innovation and technology
Is crypto just a technological playground or the future of financial assets? How is the digital euro different from a stablecoin? And why did Facebook try to create its own currency? We’ll explain what crypto-assets are and, with María Molero, Lucas García and Diego Hernández, explore what they can offer investors, what they mean for the financial markets and how their regulation has been designed.
Financial regulation
29/12/2025
Financial regulation
12/12/2025
Bank resolution: how to protect the banking system without public bail-outs
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.
30/07/2025
Financial regulation
18/06/2025
Financial stability, a check-over for the banking sector Series: Economy, Regulation and Supervision
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 regulation
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?
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.
29/09/2023
The Banco de España raises the capital buffers for systemic banks
Systemic banks are key for the stability of the financial system. They are thus subject to specific additional regulatory capital buffers. For 2024 onwards, the Banco de España has raised the minimum buffers for Santander and BBVA, in line with the new framework set in place by the ECB.
08/04/2023
Financial regulation
