It is possible that this is not the most fun ranking among all the possible rankings, but it is probably the ranking we should all know to be alert and not to lower our guard when we move in digital environments.

Cell phones are now competing with cards and cash as a payment method. The practice of paying by cell phone has become so widespread that in a large Spanish city, it’s now possible to get around, eat and shop without bringing your wallet.

Digital financial services are within everyone´s reach, but each generation has its own peculiarities when using them. Mobile banking apps have won over the centennials, while social networks influence Generation Y when it comes to changing banks, and Generation X confides in online banking. The baby boomers, meanwhile, prefer to take a stroll to the branch office.

This form of funding, which allows small business to reach millions via blockchain and cryptocurrencies, is creating a dangerous bubble driven by speculation.

Google believes that in-house talent development is one of the keys to success. It is necessary to “promote technology from an early age. Just as there are role models in painting, film or sports, we also need to have role models, people younger generations can look up to, capable of sparking their interest on this field.”

BBVA is one of 11 banking institutions that are collaborating on the development of the Voltron project, a platform based on DLT (distributed ledger technology) that puts exporters and importers in contact, in order to improve efficiency in trade finance.