1.0Asociación Española de Bancahttps://aebanca.es/en/rich600338<blockquote class="wp-embedded-content" data-secret="BjKpdLpHCQ"><a href="https://aebanca.es/en/actualidad/te-interesa/aeb-informa/collusive-financial-mirages/">Collusive financial mirages</a></blockquote><iframe sandbox="allow-scripts" security="restricted" src="https://aebanca.es/en/actualidad/te-interesa/aeb-informa/collusive-financial-mirages/embed/#?secret=BjKpdLpHCQ" width="600" height="338" title="“Collusive financial mirages” — Asociación Española de Banca" data-secret="BjKpdLpHCQ" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" class="wp-embedded-content"></iframe><script> /*! This file is auto-generated */ !function(d,l){"use strict";l.querySelector&&d.addEventListener&&"undefined"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!/[^a-zA-Z0-9]/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret="'+t.secret+'"]'),o=l.querySelectorAll('blockquote[data-secret="'+t.secret+'"]'),c=new RegExp("^https?:$","i"),i=0;i<o.length;i++)o[i].style.display="none";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute("style"),"height"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):"link"===t.message&&(r=new URL(s.getAttribute("src")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener("message",d.wp.receiveEmbedMessage,!1),l.addEventListener("DOMContentLoaded",function(){for(var e,t,s=l.querySelectorAll("iframe.wp-embedded-content"),r=0;r<s.length;r++)(t=(e=s[r]).getAttribute("data-secret"))||(t=Math.random().toString(36).substring(2,12),e.src+="#?secret="+t,e.setAttribute("data-secret",t)),e.contentWindow.postMessage({message:"ready",secret:t},"*")},!1)))}(window,document); //# sourceURL=https://aebanca.es/wp-includes/js/wp-embed.min.js </script> https://aebanca.es/wp-content/uploads/2026/01/europa-chinchetas.jpg1000667Recent consolidation moves in the sector are generating a debate about whether a smaller number of credit institutions could affect competition. But what we observe is precisely the opposite: all kinds of new competitors, supported by technological innovation, but also by the regulatory arbitrage they exploit, are penetrating virtually every segment of the financial business. Mergers in the European banking sector are a logical response to three challenges. Interest rates—no longer lower for longer but lower forever; the unfair and growing competition posed by digital operators and those that make up the so-called shadow banking system; and the shift in demand for financial services towards digital channels, a trend that has accelerated enormously as a result of the pandemic. Therefore, consolidation transactions respond to the need to continue serving our customers in an environment of major change and challenges.