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.
25/02/2026
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.
Series: Regulation and Supervision
Series: International
International trade
Series: Sustainability, Women in Economy
Climate change and green transition
Series: Economy, Inside the Bank
Banco de España
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26/11/2025
From cash to mobiles: How we pay in Spain Series: Regulation and Supervision, Efectivo
Do you usually pay for your purchases with cash, a card or directly with your mobile? Do you prefer shopping in physical stores or the convenience of shopping online? Or perhaps you’re one of those who say, when splitting a bill, “I’ll Bizum you”.
Whichever way you prefer to pay, you will discover in this CIENxCIEN episode how means of payment are changing in Spain and how security and convenience are key in every transaction.
Other means of payment
20/11/2025
Advancing towards the future of our money: the digital euro
Why all the talk about the digital euro? Since 2021 the Eurosystem has been working on a digital version of the euro, so the public can enjoy the benefits of cash in their digital payments. The Governing Council of the ECB has decided to move to the next phase of the project. You may be wondering what the digital euro means for you.
07/05/2025
“Cash, please” Series: Efectivo
Money was invented almost 3,000 years ago and plays a central role in our daily lives. We can use it to find out how much goods and services cost and to pay for things, or we can saveit, as it conserves its value over time. We have various means of payment at our disposal, but we still love banknotes and coins. Grab your headphones and learn about cash and why it is so important.
Other means of payment
21/02/2025
Other means of payment
21/03/2024
Bizum and the success of instant credit transfers in Spain
The digitalisation of the economy has transformed how we communicate, consume and pay, increasing demand for instant payment services that are available 24/7. With instant credit transfers accounting for over 50% of all transactions processed, Spain is spearheading the global surge in the use of this payment method.
19/10/2023
The digital euro: what is it and what’s in it for us
The growing use of electronic means of payment, such as cards and mobile payments, has led the Eurosystem to consider issuing a digital euro to complement cash. Here we explain what a digital euro would be and its advantages if eventually adopted.
