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Digitization of the financial system, digital means of payment and financial inclusion

In recent years, the rise and development of digital technologies is transforming the financial sector to the point of facing a paradigm shift. The emergence of new models of new-generation banking intermediation based on taking advantage of the benefits of emerging technology and with a clear focus on innovation as a differentiating factor, is experiencing strong growth and rapid expansion around the world. On the other hand, technological innovation is leading to the emergence of innovative payment solutions that are popularizing new digital payment methods such as Bizum in Spain or new payment solutions such as Apple Pay, Google Pay, Samsung Pay among others.

This symposium aims to explore and discuss the current state of digitization of the financial system and the development of new digital payment methods. It is expected to be a space for reflection on the main challenges and opportunities faced by the financial sector in a context conditioned by digital disruption.

Proposed lines and topics of research:

This symposium has room for those research papers that analyze, among others:

-New forms of payment and their impact on both companies and citizens.

-The business model of the so-called “neobanks” or “fintech” companies and their implications for the financial sector.

-The implications of new banking or financial intermediation models on the problem of financial inclusion.

-Studies and issues related to financial inclusion and exclusion.

-The challenges of the traditional banking system in the new era of digital disruption.

-Analysis of the profile and behavior of users who adopt these new innovative solutions for their financial operations or digital payments.

-The analysis of the factors that condition the digitization of the financial system and the development of digital payments.

-The role of cryptocurrencies, Central Bank Digital Currencies (CBDC) and their implications in the current economic context.

Dr. Sergio Luis Náñez Alonso

Coordinator Avila Business School-Catholic University of Avila
Professor of Economics and Business
DEKIS Research Group
His research focuses on the area of digital currencies, financial system/financial inclusion and tax incentives.

Dr. Javier Jorge Vázquez

Director of the DEKIS Research Group (Digital Economy & Knowledge and Information Society).
Professor of Economics and Business.
His research deals with digital economy, digital business models and entrepreneurship, digitization of the financial system and digital currencies.

Dr. Miguel Ángel Echarte Fernández

DEKIS Research Group
Professor at the Faculty of Social and Legal Sciences.
His research focuses on monetary policy, cryptocurrencies and centralized virtual currencies, dollarization in Latin America, etc.



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