The ceremony of the 12th and 13th editions of the Frontiers of Knowledge Awards, which took place on September 21 at the Euskalduna Palace in Bilbao, highlighted the value of science and culture in tackling the great global challenges facing humanity beyond the pandemic, such as the environmental emergency, the profound technological transformation and the risk of new economic crises. The event recognized 35 world leaders in scientific research and artistic creation.

Diversity should not merely be a passing trend, but a fair way to perceive the world on a daily basis. Companies and startups must design their products and services without leaving anyone behind, taking into account all ages, body types and abilities.

Bitcoin and ether are the best known cryptocurrencies, but there are thousands on the market with different purposes and functions. Cardano, binance coin or USD coin are some of those that are gaining more and more relevance.

We cannot confidently predict the future, but we can build it. Future studies or research in futurology are one of the best tools to guide our personal projects and wishes, as well as to design the strategy for the coming years of our company or startup and therefore succeed with innovation.

Valora Coches, the BBVA Group tool for customers and non-customers that helps you decide whether to change your vehicle or not, continues to grow. From its late February 2020 launch in Spain until July 2021 it registered almost two million hits and more than 900,000 vehicle searches. In March 2021, the tool reached its highest figures with 100,000 hits and 50,000 car searches.

BBVA's state-of-the-art data processing centers (DPCs) hold the most prestigious certifications in the world in terms of design, construction and operational sustainability. This ensures that the Group's operations are maintained in the face of possible contingencies, offering the best service to its customers under virtually any circumstances.

In less than a year, BBVA has issued one million Aqua cards in Spain. This groundbreaking system, which eliminates data from the plastic and uses dynamic CVV, is expanding rapidly in Latin American subsidiaries. Mexico, Peru and Colombia already have the first features.

The coronavirus crisis has made us more aware of how vulnerable we are to unforeseen events. As a result, in the new social context the insurance industry and insurtechs have been driven to strengthen their customer focus, digitisation, health insurance and microinsurance, with innovation at the fore.

The Payment Systems Department (GÖSAŞ) at Garanti BBVA is developing innovative solutions to meet the new needs of both businesses and SMEs while streamlining their digitization process.

Trading listed products is becoming more and more popular. In recent years, various apps and digital platforms have democratized this activity to make it available to practically any user. The sale of listed assets is no longer the realm of qualified brokers and investors, but for the general public.