Like many Americans, you may find your mailbox stuffed with envelopes from banks, credit card providers and other lenders who want to make you an offer. (That includes your email, too.) Those offers may range from a pre-approved offer, to an invitation to apply, to a 4-page application.

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.

Speaking at the Rome Investment Forum, José Manuel González-Páramo weighted on the future of three key projects for the European Union: the banking union, the capital markets union and the fiscal union. This discussion took place at a key moment for the European bloc, after the meetings held in the last Eurogroup, in the Ecofin and the European Council.  “During this year 2018 there has been a window of opportunity, which has clearly been missed by Europe to implement the necessary reforms,” he noted.

BBVA and Porsche Holding Salzburg, the largest and most successful automotive distributor in Europe and a subsidiary of Volkswagen AG, closed a €150 million term loan backing strategic acquisitions in the retail distribution network in Europe and Asia.

AENA and a group of banks led by BBVA have closed an €800 million ESG-linked revolving credit facility (an “ESG-linked RCF”). With this sustainable credit facility - intended to fund general corporate needs - AENA becomes the world’s first airport operator to resort to this type of funding arrangement. BBVA led the transaction as lead arranger and sustainable facility agent.

BBVA Asset Management (BBVA AM) believes that the stock market may be the most profitable asset for the coming year as a whole, but within a volatile market environment. This has been pointed out by Joaquín García Huerga, director of Global Strategy of BBVA Asset Management, in the presentation of the market outlook for 2019. If the economic cycle is not turned around, the stock markets could rise by an average of 10% by adding dividends.