Policy Intelligence
Report · 2026
The New Rules of European Digital Finance
What founders, investors, and advisors need to know.
Get the report →
Report · 2026
EU Digital Finance 2026: The Essentials
A regulatory guide for founders, operators and advisors.
Read the report →
European Commission · JRC · 2025
Has PSD2 Favoured Investments in European PayTech Companies?
Examines how the Payment Services Directive shaped investment dynamics in the European PayTech sector.
View publication →Academic
Natasha Cáceres is an 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 transformed market structure and competition in the fintech ecosystem.
Read about Natasha’s research →“Fintech is no longer a niche sector — it has become the new standard for the entire financial industry.”
M. Albuquerque
Publications
European Commission · JRC · 2025
Has PSD2 Favoured Investments in European PayTech Companies?
Examines how PSD2 shaped investment dynamics in the European PayTech sector.
View Publication →Working Paper · Forthcoming
Aggregators as Gatekeepers in Open Banking
Coming SoonReport · Forthcoming
The Dark Nudge: Deadline Manipulation in Equity Crowdfunding
Coming SoonAdvisor
Natasha’s research on EU digital finance regulation informs how institutions outside Europe anticipate regulatory change. Her work covers Open Banking spillovers, fintech ownership networks, and competition under PSD3 and FIDA. She has provided advisory support to institutions including the Department of State of Puerto Rico, the European Commission, financial institutions, fintech firms, and policy teams working on digital finance transformation across the EU and Latin America.
Advisory Services →“The world of finance has been turned on its head by open banking… compounded by regulation.”
F. M.
Policy Reports
Report · 2026
The New Rules of European Digital Finance
What Founders, Investors, and Advisors Need to Know
View Publication →Report · 2026
EU Digital Finance 2026: The Essentials
A regulatory guide for founders, operators & advisors
View Publication →Communicator
Cáceres is a professor in economics and statistics. She writes and speaks on EU digital finance regulation, data governance, and digital market design, delivering workshops, and conferences at universities, and schools. She acts as a translator between technical, academic, and executive audiences, making complex economic and technological systems easy to understand for all levels of expertise.
Natasha Cáceres 