Research Reports

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Author(s): 
Sylvain Bouyon

In recent years, the digitalisation of retail financial services – retail payments, current/savings accounts, consumer/housing credit, car insurance, property...

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Author(s): 
Sylvain Bouyon, Roberto Musmeci

The expansion of credit markets has fostered economic growth across the European Union, but it has also produced a sharp increase in the average level of household...

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Author(s): 
Alistair Milne, Paul Parboteeah

This paper reviews peer-to-peer (P2P) lending, its development in the UK and other countries, and assesses the business and economic policy issues surrounding this new form of intermediation.

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Author(s): 
Sylvain Bouyon

Proper understanding and monitoring of household saving are necessary to conduct appropriate macroeconomic policies aiming at a balanced economic recovery in the EU-15.

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Author(s): 
Maria Chiara Malaguti, Alessandra Guerrieri

Two-sided payment card markets generate costs that have to be distributed among the participating actors. For this purpose, payment card networks set an interchange fee, which is the fee paid by the merchant’s bank to the cardholder’s bank per transaction.

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Author(s): 
Ales Chmelar

The fall in economic output all over Europe since 2008 has had important consequences for household liabilities. Major growth in demand and supply for household credit products has generated an increase in household debt, which contributed to growth rates during the pre-crisis period but – in some countries – became household-debt overhangs and helped inflate asset bubbles.

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Author(s): 
Marc Rothemund, Maria Gerhardt

Credit referencing occurs in many countries of the world with a primary purpose of collecting and providing information to help lenders make better decisions.

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Author(s): 
Nicola Jentzsch, Christian Wey

This report brings together in a single volume the excellent contributions presented at the high-level conference on “The Future of Retail Banking in Europe: Competition and Regulatory Challenges” held at CEPS on the 10th of June 2009.

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Author(s): 
Caterina Giannetti, Nicola Jentzsch, Giancarlo Spagnolo

Information asymmetries can severely limit the cross-border border expansion of banks, if entering banks can only obtain incomplete information about potential new clients. Such asymmetries are reduced by credit registers, which distribute financial data on bank clients.

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