Over the years, my life has gotten increasingly digital, without me even realizing it. Take for instance, payments. Typically, I pull out a debit or credit card to pay for store purchases. Online bill pay works for the monthly bills. And for splitting dinner bills, classroom payments, sports fees and babysitters, P2P does just fine.

Seeing your checking account slowly but steadily drop throughout the weeks leading up to pay day may give you a sinking feeling yourself. If you’re not paying close attention as it drops, you may end up even spending more money than you have in the account, which means you’ve overdrawn.

In 2017, Bankrate released a survey showing that 44 million adults claim to have a side gig, or a second job in addition to their main source of income.

BBVA Compass has long been an advocate for small business, winning multiple awards and teaming with organizations that cultivate a thriving entrepreneurial atmosphere. The bank’s BBVA Momentum program even focuses on entrepreneurs who strive to elevate their communities through social projects.

BBVA Compass has announced the launch of BBVA Compass net cash™, an updated treasury management portal that helps clients manage their company’s cash position and banking transactions.

Certificates of deposit, or CDs, may be one of the better ways to safeguard your money, so long as you have the discipline to not make a withdrawal before the CD’s maturity date.

In May 2018, the Federal Bureau of Investigations released its 2017 Internet Crime Report from its Internet Crime Complaint Center, or IC3. According to the report, in the last year, $1.42 billion in total losses was reported, all attributable to Internet crime. The crime reporting the biggest monetary loss was related to Business Email Compromise/Email Account Compromise (BEC/EAC).

Each year around August a new round of freshman begin to descend on colleges across the country, armed with everything needed for their first shot at independence. Of all the tools in their arsenal, a checking account might be one of the most important.

At the bottom of every check you write and every check you cash or deposit, you’ll find a long string of numbers: nine digits, then a colon followed by eight more digits, one more colon and another four digits. But what do those 21 numbers really mean?

Deposit accounts, put simply, are bank accounts that allow money to be deposited and withdrawn by the account holder. The bank notes the balance of these accounts on its books as a liability, as it’s the amount the bank owes to the customer.

LOL. BRB. AFK. BTW. IMHO. Social media and texting have made this kind of alphabet soup ubiquitous. But what about FDIC?  You see those letters on nearly every bank branch and every bank website you visit. But what do those letters mean? What do they even stand for?

BBVA Compass is an innovative leader and has placed itself on the forefront of the fast-paced digital revolution in the U.S. As such, another milestone in the bank’s innovative thinking came in the form of product launches announced recently in the treasury management arena.

BBVA Compass has announced the launch of its industry-first BBVA Compass RealTime ARP™ and BBVA Compass RealTime Positive Pay™ products for commercial clients.

The Winter Olympics have been in full swing for over a week while athletes have been racking up the medals in Pyeongchang, South Korea.

According to a recent Bankrate.com survey, just four in ten people indicated they were able to cover an unexpected $1,000 expense without going into debt to do so.

For these people, a savings plan is the obvious answer, but for the many Americans living paycheck-to-paycheck, even the smallest savings can feel out of reach. But it doesn’t have to be that way. Below are five tips to help you get started saving today.

Around seven years ago, in the wake of recently enacted regulatory changes, the availability of free checking accounts started a slow descent into oblivion as banks grappled with how to adjust business models.

Fast forward to today, and banks are still grappling with the issue, as evidenced by a recent bank’s announcement that it would be eliminating its free checking account and moving customers into an account charging a $12 monthly fee  – unless the customer maintains a direct deposit of $250 or more, or a minimum daily balance of $1,500

In what is becoming a frequent tradition, BBVA Compass announced today it will offer an updated Bama-branded Visa® debit card next month, giving University of Alabama’s football fans another way to display their Crimson Tide colors after the team’s 17th national championship win on Monday.

BBVA backed Atom Bank has been named as one of the world’s top ten fintech firms for the third time in a row.

Money 20/20 Las Vegas is without doubt one of the showcase events for technology and financial services in the world. Every years thousands of people involved in the industry, from big banks like BBVA to technology firms like Google and most importantly innovators and start-ups, gather to discuss the future of the industry.

• Operating income: Recurring revenues continued their upward trend, growing 4.2% between January and September. This, together with cost containment efforts (expenses dropped 1.7% in the year to September), drove operating income to a record €9.52 billion
• Risks: The NPL ratio continued to improve, reaching 4.5% in September (vs. 4.8% in June), the lowest level in the past five years. Coverage increased to 72%
• Capital: The fully-loaded CET1 ratio rose to 11.2% in September, reflecting a capital generation of 30 basis points in the first nine months of the year
• Transformation: The digital customer base grew 24% y-o-y to 21.1 million in September. Of these, the number of customers banking with their smartphones surged 43% to 15.8 million

UK Challenger bank Atom is making its first move overseas by beginning to offer savers in Germany access to its products.

The app-based bank, which is part owned by BBVA, has partnered with Deposit Solutions in order to launch fixed-rate products to customers in the country.

Türkiye Garanti Bankası A.Ş., announced its financial statements dated June 30, 2017. With an asset size of TL 335 billion 942 million 185 thousand, Garanti’s contribution to the economy through cash and non-cash lending reached TL 272 billion 980 million 362 thousand, based on the consolidated financials. The Bank posted a net income of TL 3 billion 100 million 273 thousand in the first six months of 2017. The Bank delivered an ROAE (Return on Average Equity) of 18.1% and an ROAA (Return on Average Assets) of 2.1%.

BBVA presented today its financial statements for the April-June 2017 period. BBVA CEO Carlos Torres Vila said that “the second quarter results confirm the positive trends recorded earlier this year, both in terms of financial results and of transformation and value creation for shareholders.”

How did the bank do during these three months? And what about during the first half of the year? These are the keys to understanding the results:

For BBVA Compass, helping clients create opportunities for their brighter futures is more than a slogan; it’s a mission the bank follows in order to help its clients realize their dreams and ambitions.

We have already seen what the foreign exchange market is and how it works, as well as different exchange rate systems. Here, we will analyze the broad range of participants that engage in a market that, in average, churns around 5 trillion dollars on a daily basis.

The European Union has finished the first half of its match to create a common capital market among the 27 EU member states. But there’s still a second half ahead, with obstacles such as how to continue the project without the United Kingdom.

Technology is redefining how we bank – from mobile apps to online account management – we increasingly use digital means to make our money and data work harder for us.

The European Commission is currently seeking to answer this and many other questions that citizens have posed about retail financial services. In 2015, the Commission launched a public consultation that is set out in a document containing requests from citizens, presented by the European Parliament at the close of 2016. The next step was the publication of the Consumer Financial Services Action Plan: Better Products, More Choice, with specific proposals for eliminating the barriers to retail banking in Europe.

Due to a series of particularities, the Chinese market has risen as the role model in mobile payments adoption. Western economies have a lot to learn about a market that is valued at over $2.3 trillion.

BBVA is the first financial institution in Spain to launch the ‘Online Onboarding’ via mobile, which allows anyone to open an account in just a few minutes and start banking right away. This new service uses an innovative procedure that verifies a customer’s identity through a selfie and a video call.

Atom Bank has been recognized as one of the most innovative startups in the 2016 Fintech 100 ranking. BBVA has a 29.5% stake in the mobile-only bank operating in the U.K.

Anthony Thomson, founder of Atom Bank, is absolutely clear about his career goal: He wants to redefine customers’ everyday relationship with money, he wants to improve it. He is aware that the financial sector is in the midst of a revolution marked by an unstoppable wave of disruption. “The first change is that money is data and data are the main product of our business” he said during his address in South Summit, where he unveiled three essential challenges that all companies must face to survive in this paradigm shift.

Atom Bank – Britain’s only app-based digital bank – today opened its doors to all eligible customers in the U.K., offering everyone the opportunity to download its app and open a savings account.

EU citizens have had a project underway for a banking union since 2012. Since then, we have taken giant leaps toward a borderless European banking system. However, a few relevant issues still need to be addressed.

He was working on a video platform when he realized how difficult it was for Mexicans to sign up to pages and see contents, in the style of Netflix. He pinpointed the problem: around nine out of every ten users cannot access subscriptions because they don’t have a credit card. Why not create an online platform to make small loans? Adalberto Flores is one of the 33 Mexican innovators interviewed for the eBook Hablan los protagonistas ( The Key players speak).

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The world of finance is in the midst of a revolution thanks to the technological breakthroughs in fields such as big data and blockchain, among others. The booming ecosystem of financial technology startups, the so called fintechs, is changing the financial industry’s mindset and the way it approaches new customers.

Technology is becoming more accessible and Mexicans are increasingly using mobile devices. The financial sector is taking advantage of this paradigm shift to embark on the digital transformation.

Goldman Sachs, which since 1869 has provided services to the rich and powerful, has decided to open up to the general market and offer its services to a wider public. It is now offering online savings accounts for a dollar, in a measure intended to generate new funding flows.

BBVA’s strategic digital banking partner in the UK, Atom Bank, has opened its’ virtual doors to pre-registered customers – just 9 months after receiving its banking licence and 4 months after BBVA announced its 29.5% strategic stake.

Don’t miss Carlos López-Moctezuma’s interview featured in CNN en Español’s GloboEconomia, From CNN’s studios in Wall Street (New York), BBVA’s Head of Financial Inclusion and Easy Banking of BBVA explained why there are still over 2 billion people across the world (38% of the total adult population) that still don’t have access to financial services, not even a bank account, and what a bank like BBVA is doing to include them in the system. New mobile payments and online banking technologies are key.

Banks, technology companies, card brands and payment processors, handset manufacturers and mobile operators have embarked on conquering the wallet market . A business that is buoyant and is closely linked to the cell phone boom . There are virtual wallets where you can store information on payment cards, bank accounts and other personal financial tools. And, what is more important: they allow payments to be made virtually.

More than one billion women –40% of women worldwide– have no access to the financial system. According to the Global Findex 2014 report, the gender gap is obvious: 58% are bank account holders compared with 65% of men.

Between 2011 and 2014, 700 million people opened a bank account. In the same period, the number of people outside the banking system fell by 20%, or 2 billion adults. In 2014, 62% of adults held an account, well above the 54% registered in 2011.

Like all beginnings of decades, the symbolic date of 2020 raises all sorts of expectations and questions in these previous years about transformations to various activities, and financial services are no exception. From the technological innovations foretold at the Fintech Conference to the challenges set by the PwC study Retail Banking 2020: Evolution or Revolution?, all experts seem to agree on one thing: there will be profound changes in the sector over the next six years.