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The European Green Deal after Corona Implications for EU climate policy
Project Report

Study on the role of digitalisation and innovation

In creating a true single market for retail financial services and insurance

by Sylvain Bouyon / Willem Pieter De Groen / Felice Simonelli / Andrea Renda / Karel Lannoo / Mattia Di Salvo / Cosmina Amariei / Marko Torkkeli / Dieter De Smet / JB McCarthy / Frederic Adam / Ciara Fitzgerald / Fergal Carton / Kay-Ti Tan / Jeremy Hayes / Stephen McCarthy
07 December 2016

Study on the role of digitalisation and innovation

In creating a true single market for retail financial services and insurance

Sylvain Bouyon / Willem Pieter De Groen / Felice Simonelli / Andrea Renda / Karel Lannoo / Mattia Di Salvo / Cosmina Amariei / Marko Torkkeli / Dieter De Smet / JB McCarthy / Frederic Adam / Ciara Fitzgerald / Fergal Carton / Kay-Ti Tan / Jeremy Hayes / Stephen McCarthy

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This study focuses on the crossroads between digitalisation and direct cross-border activity. More specifically, it assesses whether and to what extent digitalisation can contribute to the creation of a true single market for retail financial services and non-life insurance. This research was carried out by a team of researchers from CEPS, headed by CEPS Research Fellow Sylvain Bouyon, in cooperation with the University College Cork (UCC) and the Luxembourg Institute of Science and Technology (LIST).

This study was prepared at the request of the Directorate-General for Financial Stability, Financial Services and Capital Markets Union of the European Commission, under the call FISMA/2015/075D. It is also available for free downloading on the Commission’s website and is republished by CEPS with the kind permission of the European Commission.

Series: CEPS researchers’ work published externally      No of pp: 260

About the Authors


  • Author
    Sylvain Bouyon
    Sylvain Bouyon
    Associate Research Fellow
  • Author
    Willem Pieter De Groen Willem Pieter De Groen
    Willem Pieter De Groen
  • Author
    Felice Simonelli Felice Simonelli
    Felice Simonelli
  • Author
    Andrea Renda Andrea Renda
    Andrea Renda
  • Author
    Karel Lannoo Karel Lannoo
    Karel Lannoo
  • Author
    Mattia Di Salvo Mattia Di Salvo
    Mattia Di Salvo
  • Author
    Cosmina Amariei Cosmina Amariei
    Cosmina Amariei
  • Author
    Marko Torkkeli
    Marko Torkkeli
  • Author
    Dieter De Smet
    Dieter De Smet
    Luxembourg Institute of Science and Technology (LIST)
  • Author
    JB McCarthy
    JB McCarthy
    Development Director at Financial Services Innovation Centre, UCC
  • Author
    Frederic Adam
    Frederic Adam
    Professor of Management Information Systems, UCC
  • Author
    Ciara Fitzgerald
    Ciara Fitzgerald
    Lecturer, UCC
  • Author
    Fergal Carton
    Fergal Carton
    Lecturer, UCC
  • Author
    Kay-Ti Tan
    Kay-Ti Tan
  • Author
    Jeremy Hayes
    Jeremy Hayes
    Researcher, UCC
  • Author
    Stephen McCarthy
    Stephen McCarthy
    Lecturer, UCC
Study on the role of digitalisation and innovation In creating a true single market for retail financial services and insurance
Download Publication

2335 Downloads