Persona: Paredes Gázquez, Juan Diego
Cargando...
Dirección de correo electrónico
ORCID
0000-0001-6952-1750
Fecha de nacimiento
Proyectos de investigación
Unidades organizativas
Puesto de trabajo
Apellidos
Paredes Gázquez
Nombre de pila
Juan Diego
Nombre
5 resultados
Resultados de la búsqueda
Mostrando 1 - 5 de 5
Publicación The relationship between vulnerable financial consumers and banking institutions. A qualitative study in Spain(Elsevier, 2021-01-05) Fernández Olit, Beatriz; Cuesta González, Marta María de la; Paredes Gázquez, Juan Diego; Ruza Paz-Curbera, CristinaThe financial exclusion phenomenon has been approached from different perspectives. After reviewing the recent literature, we adopt a financial ecology approach and propose a comprehensive framework to analyse the different types of difficulties (access, use and perception) that vulnerable financial consumers face in relationships with banking institutions as well as their underlying causes. We consider financial inclusion as the sustainable provision of financial services and products and an adjustment to individual needs. We examine a special group of urban vulnerable consumers: underbanked people facing poverty and social exclusion. Data were obtained from focus groups and were coded and analysed using qualitative data analysis software. The results show that use difficulties predominate, followed by perception difficulties. Bank pressure and lack of financial training stood out among the main causes of these financial difficulties. We conclude that poorer neighbourhoods constitute a distinctive financial ecology produced by the ‘discrimination’ of a significant number of their inhabitants in the use of mainstream financial services. The study provides evidence of the socio-spatial nature of the exclusion process and calls for further research on the role of policy responses to restrict abusive practices.Publicación An energy union without interconnections? Public acceptance of cross-border interconnectors in four European countries(Elsevier, 2023-03-01) Lázaro Touza, Lara; Escribano Francés, Gonzalo; González Enríquez, María del Carmen; Paredes Gázquez, Juan DiegoDespite the importance of achieving a functioning and decarbonised European Energy Union (EnU) research addressing the public acceptance of cross-border energy interconnections at a European-wide level based upon public opinion polls is limited. To try to fill this gap in the literature, this article relies on a poll with 4000 respondents from the four big EU energy markets: France, Germany, Italy and Spain, including as a new explanatory variable their proximity to an electrical cross-border substation. Overall, 57,4% respondents have not heard about energy interconnections, and 69,2% have not ever heard about the internal energy market. Approaching public acceptance from a procedural justice framework, the article considers procedural justice as a pre-condition? For a fair policy-making process. By addressing the public acceptance of cross-border energy interconnections, the article aims to contribute to the existing literature on their linkages of said interconnections with the European energy policy-making process, deriving specific policy implications to foster cross-border interconnections and energy integration within the EnU.Publicación The European Union and the Good Governance of Energy Resources: Practicing What It Preaches?(Elsevier, 2020) Escribano Francés, Gonzalo; Paredes Gázquez, Juan Diego; San Martín González, EnriqueThe good governance of energy resources and its role in the development of oil and gas producing countries is an area of growing interest in the global agenda. The European Union (EU), as an actor that has the double condition of being a major importer of oil and gas as well as a so-called “normative power”, promotes the development of resource governance standards in the Global South. This article analyzes the role of the EU in improving the governance of energy resources, not only from an institutional perspective but also regarding the practical implications that such a normative approach has on European oil and gas import patterns. The paper explores whether EU’s oil and gas imports have been affected by the policies of improving transparency and good resource governance in the oil and gas extractive sector, or if these policies have been ineffective in shaping their geographical origin. It tries to address empirically the link between the level of resource governance in oil and gas exporting countries and the EU’s oil and gas geographical import pattern.Publicación The relationship of vulnerable financial consumers with banking institutions. A qualitative study in Spain(Elsevier Science, 2021-02) Fernández Olit, Beatriz; Cuesta González, Marta María de la; Paredes Gázquez, Juan Diego; Ruza Paz-Curbera, CristinaThe financial exclusion phenomenon has been approached from different perspectives. After reviewing the recent literature, we adopt a financial ecology approach and propose a comprehensive framework to analyze the different types of difficulties (access, use and perception) that vulnerable financial consumers face in relationships with banking institutions as well as their underlying causes. We consider financial inclusion as the sustainable provision of financial services and products and an adjustment to individual needs. We examine a special group of urban vulnerable consumers: underbanked people facing poverty and social exclusion. Data were obtained from focus groups and were coded and analysed using qualitative data analysis software. The results show that use difficulties predominate, followed by perception difficulties. Bank pressure and lack of financial training stood out among the main causes of these financial difficulties. We conclude that poorer neighborhoods constitute a distinctive financial ecology produced by the ‘discrimination’ of a significant number of their inhabitants in the use of mainstream financial services. The study provides evidence of the socio-spatial nature of the exclusion process and calls for further research on the role of policies responses to restrict abusive practicesPublicación Affective and cognitive factors that hinder the banking relationships of economically vulnerable consumers(Emerald, 2022-04-06) Fernández Olit, Beatriz; Cuesta González, Marta María de la; Orenes Casanova, Isabel; Paredes Gázquez, Juan DiegoEl objetivo de este artículo es explorar los factores afectivos y cognitivos que condicionan las relaciones bancarias de los consumidores económicamente vulnerables y cómo estos factores contribuyen a aumentar las dificultades financieras y la exclusión. Esta investigación, realizada en un conjunto de grupos focales, basa sus hallazgos en una combinación de métodos experimentales y de análisis del discurso. Las decisiones financieras no son racionales y pueden estar sesgadas por factores afectivos y cognitivos. Las finanzas conductuales se han centrado muy poco en analizar cómo los sesgos del consumidor influyen en las relaciones con las instituciones bancarias. Adicionalmente, estas relaciones se ven afectadas por la digitalización y transformación del negocio bancario. Así, en el caso de consumidores económicamente vulnerables, que no son rentables para la cada vez más competitiva industria bancaria y carecen de capacidades financieras, su riesgo de exclusión financiera es cada vez mayor. Los resultados muestran que la desconfianza y la vergüenza conducen a dificultades financieras en consumidores económicamente vulnerables. La desconfianza genera problemas de acceso y autoexclusión, mientras que la vergüenza genera dificultades de uso. Esta falta de confianza les hace más racionales en el trato con las máquinas que con las personas, mostrando mayores dificultades bancarias para los consumidores con perfil “persona-sospechoso”. Este hallazgo puede ayudar a los reguladores a establecer límites en el comportamiento bancario, exigir a los bancos que incorporen factores afectivos y cognitivos en sus pruebas de conveniencia y detectar nuevas variables que puedan ayudarlos a mejorar sus índices de insolvencia y reputación.