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Analysis and opinion

05 Jul 2018

Digitalization encompasses both a process and a habitat. As a process, digitization transforms analogue content. For example, converting the 1604 edition of ‘Quijote’ printed by Juan de la Cuesta into a digital ‘Quijote’. The content that was drawn, printed, or typed is input into a computer via numeric codes. The result can even simulate the original typography. But the letters that appear on the screen are, in reality, digits that the computer converts into images.

27 Jun 2018

26 Jun 2018

“I love food and I am mad about sports.” Hearing him talk about his hobbies, Jaime Sáenz de Tejada (Madrid, 1968) comes across as someone who enjoys life. As a kid he was into basketball and track and field. Later, he got interested in paddle tennis and golf. About a year and a half ago he fractured his thigh bone forcing him to focus a bit more on swimming and cycling. He defines himself as a lover of Peruvian cuisine, because it offers “the best fusion of sensitivities from many places, with ingredients of unparalleled quality.” He’s even given cooking chifa (a fusion of Peruvian ingredients and traditions with Cantonese elements) a go, but “being surrounded by so much talent, I would never dare to compete in culinary skills.” Married and with five children – “one of them is on his way to becoming a chef, just like his mom,”- he’s been a part of BBVA for more than 25 years. In 2014 he became the Group’s Chief Financial Officer. He devotes most of his scant free time to “living his children’s education intensely and sharing activities with them.” He’s been lucky to live in New York – at two different periods – , London, Uruguay and Peru.

06 Jun 2018

Ben Hammersley – currently the editor of – is credited with coining this term: a combination of iPod and broadcast. A podcast is a set of digital audio files making up a series of episodes that can be downloaded onto a variety of devices.

28 May 2018

Virtually everybody today has a username and password. We are required to provide them to log on to popular online services, including social media, online stores and streaming services. By default, browsers will ask you if you want to save passwords to save you the trouble of typing them again. If you are inclined to answer ‘yes’, keep reading because you’ll find this information of use.

23 May 2018

10 Apr 2018

26 Mar 2018

Taking action against climate change and promoting sustainable development is not a fight to save the planet; it’s a fight for the human race. Olivier Guersent, Director-General at the European Commission asserted himself emphatically at the “Financing Sustainable Growth” conference held on March 22nd in Brussels with influential figures such as Emmanuel Macron, Michael Bloomberg, and Jean-Claude Juncker.

14 Mar 2018

13 Feb 2018

As we have seen in previous articles, the intelligent use of data, with the right talent and the pertinent business strategies for applying creative solutions, can provide insights that help solve a whole gamut of problems and take on board new opportunities. Data places within our grasp an enhanced decision-making ability and a deeper understanding of our clients and what they need. But as in the case of any other tool, these new skills can be put to positive or not so positive use, whether intentionally or not.

31 Jan 2018

Probably the first thing the philosopher would do would be to create a strategy to explore it. Just like when he designed a user’s manual for the human mind with Logic or when he developed a method of thinking critically to examine metaphysics. Aristotles “tried to show that all things in nature belong to certain groups and subgroups,” writes Jonstein Gaarder in Sophie’s World. But first, he counted up the tools he had for this task.

30 Jan 2018

29 Jan 2018

12 Dec 2017

In a context of increasing competition, marked by the arrival of new players such as digital banks and fintech startups, local banks are rushing to adjust. Digital transformation hasn’t caught Argentina’s financial institutions by surprise, however: they’re ready to invest in creating a better user experience.

24 Oct 2017

You have to move quickly to bring the future within reach. That’s why I am at Money 20/20 in Las Vegas. It’s an event full of young startups and transformative ideas that will change and evolve rapidly. They discover and understand what needs to change in the world of financial services and use technology to innovate. This is where what will be the next big thing in banking is being discussed.

31 Aug 2017

The latest issue of the magazine La revista de Occidente includes the translation of an article by Peter Galison entitled “The journalist, the scientist and objectivity.” It describes the ease with which images are manipulated in today´s world. This has caused publications such as Science magazine to create protocols to prevent the presentation of manipulated illustrations. The perversion of information also reaches the world of journalism, where false rumors are propagated with a singular force.

30 Aug 2017

After barreling into the state of Texas, as one of the largest and most damaging Hurricanes in U.S history, Hurricane Harvey continues to devastate the Corpus Christi-Houston-Galveston area with catastrophic destruction, human losses, and unprecedented flooding.

As the region begins to pick up the pieces in the weeks, months and years to come, there is a growing concern about the impact that Hurricane Harvey will have on the regional and national economy.

10 Aug 2017

09 Aug 2017

Most people would agree that the U.S. economy’s current expansion cycle has been anemic. Since 2010, average real GDP growth has been 2.1 percent, significantly lower than 3.2 percent between 1992 and 2007. Over time, the cumulative difference between the two paths could be quite dramatic. The average person would be 17 percent less wealthy after 15 years, and 38 percent less wealthy after 30 years.

27 Jul 2017

21 Jun 2017

Millennials are perhaps the most overanalyzed and overgeneralized generation in history, and the myths surrounding them are endless. From “clueless” to “brainiest” and “self-obsessed” to “socially conscious,” the stereotypes of those born between 1982 and 1995 are often contradictory and range from flattering to derogatory. But just like any other generation, Millennials are by no means homogenous.

20 Jun 2017

19 Jun 2017

In a report entitled The Future of Football, Futurizon predicts that in the future, sports events will be broadcast using tiny drones capable of hovering a few inches above the playing field, swirling around spectators or chasing the ball in the air. Except for referees, players and coaches, ordinary spectators have always enjoyed these events from architectural points of view:  the stands or the sides of the pitch. And, even if we don’t realize it yet, narratives have also depended on these points of view. What would happen if the perspective changed? Would it be possible to televise a match exactly as the referee sees it? Would that be of any interest at all? Or telling what an embedded drone observes?

06 Jun 2017

02 Jun 2017

18 May 2017

The B20 -a forum made up by companies from G20 countries– plays a key role as a liaison between governments and the economy. It is “an essential link between the real economy and the authorities that have regulatory powers over that economy,” says José Manuel González-Páramo, Executive Board Director of BBVA. Companies also act as drivers of economic growth and inclusion. For this reason, the B20 “is crucial at this point in time.”

16 May 2017

15 May 2017

28 Apr 2017

24 Apr 2017

24 Jan 2017

The BBVA Global Markets Research team presented the conclusions of its 2017 strategic equity report. According to BBVA analysts, the positive cyclical momentum is set to continue, with the metal & mining, oil & gas, construction materials, healthcare and telecommunications sectors becoming the best performing industries in Europe. In Spain, the Real Estate sector is expected to be the most dynamic in 2017.

16 Jan 2017

The last global financial crisis demonstrated that the resolution of failing banks is a key component of financial regulation. With the goal of lowering the cost of banking crises and avoiding publicly funded bailouts, the Financial Stability Board (FSB) established a new framework for the resolution of financial institutions involving two types of strategies: Single Point of Entry (SPE) (applicable to groups with a centralized model) and Multiple Point of Entry (MPE) (applicable to groups with a decentralized model). Given its management model, MPE would be the most appropriate strategy for the BBVA Group.

28 Nov 2016

07 Oct 2016

18% of consumers are unable to rate the social commitment of companies due to a lack of awareness of the policies and actions that they develop. However, when asked to rate companies based on their performance other fields (products/services, leadership, innovation, etc), this percentage drops by 50%. This is one of the key takeaways of the 2016 CSR RepTrak® 100 report, recently released by consulting firm Reputation Institute within the framework of a webinar, in which BBVA also participated.

14 Sep 2016

The auto industry is one of the industries with the greatest growth in the Mexican economy because everything from autoparts production to car assembly and its connection to the international market have performed well.

In previous years, we observed growth in this industry and estimated that vehicle production would increase 1,5% in 2016 compared to the previous year, despite a tough start to the year with 3,1% declines in the first half of the year. This represents an increase of approximately 51.000 units. Next year, production could increase to just over 4 million units, which would mean a 17,4% jump in 2017. This would once again put the industry at the forefront of the Mexican economy.

13 Sep 2016

Mexico’s banking market is in the middle of an expansionary period due to demographic factors and the macroeconomic stability that has been attained over recent years. This has produced a growing demand for credit in several different sectors, permitting a positive financing outlook that could reach the equivalent of 40% of Mexico’s Gross Domestic Product (GDP) in the coming years.

12 Sep 2016

04 Jul 2016

After the Senate’s passage of the Puerto Rico Oversight, Management, and Economic Stability Act (PROMESA), Puerto Rico’s debt saga will enter a new chapter: closure. The bill will be signed by President Obama after receiving bipartisan support in both the House and Senate. Collective action from House leaders Paul Ryan and Nancy Pelosi and the White House at the outset has allowed for a timely and smooth passage, avoiding complications from missed payments due on July 1.

29 Jun 2016

June 23rd was a historic day for Great Britain and Europe as a whole. No large country has ever before decided to leave the European Union. It remains to be seen what the consequences will be for the local and global economy, labour market, and UK trade position.  What we do know is that Brexit victory is having an immediate effect on the British Pound and equity markets, sterling is plummeting and traders around the world are trying to make the best of it.

28 Jun 2016

Do you remember when oil prices fell below $30 per barrel? Back in February, markets couldn’t see the light at the end of the tunnel as prices hit their lowest level since December 2013. But in a gravity defying twist, prices rebounded to $52 per barrel in early June and have stabilized at an average of $50 per barrel since then.

16 Jun 2016

Fed members just can’t seem to make up their mind these days. One minute they are shouting out encouraging signals about the U.S. economy, and the next it is all gloom and doom. In the end, we are left with a mixed signal as to what is really going on, with the impression that Fed members themselves don’t really have any idea on how to proceed in such an uncertain economic environment.

09 May 2016

Like every May 9th, today marks the annual celebration of Europe Day in Brussels. This date commemorates the anniversary of the historic Schuman Declaration. Robert Schuman, then French Foreign Minister, presented his idea for a new form of political cooperation that would make another war among European nations unthinkable. That’s why this day is dedicated to peace and unity in Europe.