Research focused on digital finance, payment systems, and regulatory governance.

Academic

Natasha Cáceres is a PhD Economist specialised in the economics of digital financial regulation and Open Finance in Europe. Her doctoral research, conducted at the University of Barcelona and in collaboration with the Joint Research Centre of the European Commission, examines how regulatory frameworks — particularly PSD2, PSD3, and the FIDA regulation — reshape market structure, competition, and capital allocation in the fintech ecosystem.

European Commission · Joint Research Centre · 2025

Has PSD2 Favoured Investments in European PayTech Companies?

Examines how the PSD2 has shaped investment dynamics in the European PayTech sector.

Working Paper · Forthcoming

Aggregators as Gatekeepers in Open Banking

Report · Forthcoming

The Dark Nudge: Deadline Manipulation in Equity Crowdfunding

Advisor

Natashas’ research on the structural implications of EU digital finance regulation is informing how institutions outside Europe prepare for the new regulatory order. Her work has contributed to analysis of Open Banking spillovers, fintech ownership networks, and the competitive dynamics created by PSD3 and FIDA. She has provided economic advisory support to institutional actors including the Department of State of Puerto Rico, where she contributed to economic policy analysis in 2019. She provides advisory support to financial institutions, fintechs, and policy teams navigating digital finance transformation, payment system governance, and regulatory strategy — with a focus on institutions operating across the EU and Latin American markets. Advisory work is conducted on a selective basis, in contexts where economic research and regulatory expertise create measurable impact.

Report · 2026

The New Rules of European Digital Finance

What Founders, Investors, and Advisors Need to Know

Report · 2026

EU Digital Finance 2026: The Essentials

A regulatory guide for founders, operators & advisors

Report · Forthcoming

Coming Soon

Communicator

Cáceres writes and speaks on EU digital finance regulation, data governance, and digital market design, delivering talks, workshops, and conferences at universities, research institutions, and policy organizations on topics including data management systems, recommendation systems, and open banking. She also teaches microeconomics, industrial organization, and applied statistics with a focus on programming and quantitative methods. She acts as a translator between technical, academic, and executive audiences, making complex economic and technological systems accessible across different levels of expertise.