Baba, Chikako; Batog, Cristina; Flores, Enrique; … - 2020
payment schemes are expanding within countries, although cross-border and pan-euro area instruments are not yet widespread …, notwithstanding important enabling EU level regulation and the establishment of instant payments by the ECB. Automated lending models …, banking licenses as they expand. Meanwhile, competition is pushing many traditional banks to adopt fintech instruments, either …