Digitisation of the financial system, digital means of payments, financial inclusion and decentralised finance

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

This line aims to explore and discuss the current state of the art in the digitisation of the financial system and the development of new means of payments digital. 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 is open to those research papers that analyse, among other things others:

• New forms of payment and their impact on both businesses and citizens.
• The business model of the so-called "neo-banks" or "fintech" companies and its 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 facing the traditional banking system in the new era of digital disruption.
• The analysis of the profile and behaviour of users who adopt these new technologies is innovative solutions for your financial operations or digital payments.

• The analysis of the factors that condition the digitalization of the financial system and the development of digital payments.
• The role of cryptocurrencies, the Central Bank Digital Currencies (CBDC) and their implications in the current economic context.
• The role of decentralised finance (DeFi) and its implications in the context current economic situation.