BETTER FINANCE is very pleased to welcome Sébastien Commain to the BETTER FINANCE Team in Brussels where he has started in his new role as Research and Policy Officer. As part of the BETTER FINANCE Research and Policy team, Sébastien will focus on Financial Services Regulation and Capital Markets Research. Sébastien has extensive experience with
Solvency II review: improving rules for insurers to build a sustainable future.
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Robo-advisors are digital platforms that provide investors with financial advice or investment services based on computer-based technologies using artificial intelligence or algorithms and sometimes take into consideration sustainability preferences.
The European Commission published a legislative proposal for a regulation on European green bonds, which is supposed to become the high quality voluntary European Green Bond Standard. Its intention is to use the potential of the single market for achieving the EU’s climate and environmental goals in a more efficient way.
The initiative by the European Commission aims to improve the EU regulatory framework on company law and corporate governance. It seeks to enable companies to focus on long-term sustainable value creation rather than short-term benefits as well as better align the interests of companies, their shareholders, managers, stakeholders and society. Ths initiative would help companies
It is part of an initiative first mooted in the Commission’s September 2020 Capital Markets Union Action Plan and designed, among other things, to “increase consumer participation in capital markets.” The the level of retail investor participation in EU capital markets remains very low. The strategy is aimed to ease difficulties for retail investors in
Sustainability policies affect all and the same rules should be applicable in order to harmonise interpretations and improve financial services in support of retail investors. In this section you will find position papers which shed more light on multiple climate-oriented and sustainable finance developments. In this section, you will find position papers that shed more
DG FISMA will be organising a roundtable on January 25th, 2024 at 10:00, where Aleksandra Maczynska, Acting Managing Director at BETTER FINANCE will address the panel on ‘Opportunities from a shorter settlement cycle in the EU’.
For a decade, BETTER FINANCE has flagged the persistently low real returns in EU long-term and pension savings. As government and occupational pensions dwindle, Public Authorities urge earlier and increased savings for retirement. Yet, this advice often disregards a fundamental issue: inadequate, sometimes negative, long-term real returns after inflation. BETTER FINANCE reports disprove the claim
The roundtable on the distribution of retail financial products will bring together representatives of key industry and consumer stakeholders. This meeting aims to launch a reflection on issues related to the retail investments market’s current practices, as well as relevant technological and societal trends. ‘Interventions by stakeholders’ will take place between 9:10 – 10:00
BETTER FINANCE continued its research series into Robo advice with this sixth annual edition, mapping start-up platforms that provide Robo-advisory and investing services, and analysing their user-friendliness, transparency, costs, portfolio composition, the suitability of their recommendations, and sustainability (through mystery shopping). This year the research team selected 18 platforms providing investment advice in 11 countries
BETTER FINANCE and its member, the Lithuanian Investors Association (LIA) took note of the Lithuanian Parliament report shedding light on the responsibility of major Scandinavian banks in the 2009-2010 financial crisis in the Baltic States. In Lithuania, where GDP fell by almost 15% as of 2009, the parliamentary investigation reflects LIA’s position on the role
Annex to the Report “Robo-Investing: Cyborgs vs Robots – Competing to Attract European Citizens’ Money”: Comparison Table of Robo-Investors in Europe
Annex to the Report “Robo-Investing: Cyborgs vs Robots – Competing to Attract European Citizens’ Money”: Comparison Table of Robo-Investors in the USA
On the 2nd of February 2017, the European Banking Authority published its report on high earners in EU banks. According to its report, the total number of high earners increased from 3.865 in 2014 to 5.142 in 2015, representing a 33.04% increase compared to 2014 (a 61.8% increase from 2013). The Capital Requirement Regulation (CRR)
On the 7th of February 2017, Guillaume Prache, Managing Director at BETTER FINANCE, Gunnar Ek from Aktiespararna and Marc Mathieu, Secretary General of the European Federation of Employee Share Ownership will be speaking at a roundtable organized by the European Commission’s Directorate General FISMA. The roundtable will be organized in three sessions with the first
Eurostat has released its figures for the third quarter of 2016. The household saving rate in the euro area slightly dropped from 12.8% in the second quarter of 2016 to 12.6% in the third quarter of 2016. Similarly, the household investment rate in the euro area dropped from 8.6% at the second quarter to 8.5%
“Es el sentido de conservación innato de la gente el que ha mantenido nuestro dinero a flote a pesar de las fantásticas artimañas que las financieras hacen – y las cuales cubren con tecnicismos y términos rebuscados. La gente está del lado de una moneda sólida. Están tan inalterablemente del lado de una moneda sólida,
BETTER FINANCE’s Romanian member organisation AURSF (the Association of Romanian Financial Services Users) has teamed up with the largest non-banking source of debt financing (consumer credit) in Romania to promote financial education, responsible lending and borrowing. The campaign was launched in June with the publication of a small guide to financial terms and concepts to
Starting with the new year, Greece assumed the EU Presidency for the next six months. In charge of the EU’s daily agenda, Greece will jointly decide policy directions and legislations with the European Parliament. Still in serious economic crisis and unemployment at its highest level, Greece takes charge of the European Union after its continued
Following the 2008 financial crisis, a financial reform package aimed at preventing a recurrent crisis, addressing the so-called“too big to fail” issue and promoting financial stability, was enacted. This week the Dodd-Frank Wall Street Reform and Consumer Protection Act celebrates its fifth anniversary since US President Barack Obama signed it. Although some successes are recognised, the slow process of reform has also been at
Various articles report on the trial of Tom Hayes, the UBS and Citi trader who allegedly rigged Libor rates. The former trader, nicknamed Rainman and Tommy Chocolate, said that everything he did was with complete transparency and that the CEO knew about his actions. The jury was advised that the 35-year old former Citi employee
Is robo-advice really such a revolutionary concept? Some see it as a way of providing reasonable-quality financial advice to mass-market investors unwilling to pay a human. Others see job cuts and a certain unwelcome shirking of responsibility. One could argue that a roboadviser is just a poor man’s human being – and, indeed, research from
BETTER FINANCE’s "Pension Savings: The Real Return" was mentioned in an article in L’Argus d’Assurance.com. The findings of the report echoed in the French media following our press conference in Paris on October 30. The event, organized by FAIDER, the Fédération des Associations Indépendantes de Défense des Epargnants pour la Retraite and BETTER FINANCE’s French member organization,
El derecho de voto en una asamblea general es un derecho fundamental del accionista. Los accionistas privados deberàan tener la oportunidad de ejercer su derecho al voto y asumir responsabilidades como propietarios de empresas que cotizan también mà¡s allà¡ de las fronteras. A pesar de la adopcià³n de la Directiva sobre Derechos de los Accionistas
World Investor Week (WIW) is a week-long, global campaign promoted by IOSCO to raise awareness about the importance of investor education and protection and highlight the various initiatives of securities regulators in these two critical areas. From 2-8 October 2017, IOSCO securities regulators and other IOSCO members on six continents will provide a range of