February 2015. Four people get together to have a few beers in Madrid, and they decide to set up  Mujeres Tech. One month later, three women decide to create Girls in Tech in Granada while having breakfast together. Two independent organizations in pursuit of the same goal: to encourage the presence of women in the world of technology.

With the inaugural Money 20/20 Europe -where some of the people trying to change financial services using technology get together- at an end, we thought we’d share some of our stand-out moments from four days of delegates, speakers, panels, press releases and meetings. From an embarrassment of fintech riches in Copenhagen, we’ve taken six learnings home with us.

In the last five years robo-advisors have made great inroads in the industry. In spite of some initial suspicion, investors have come to trust them as an efficient wealth management service.

Spanish startups received a total investment volume of 659.4 million euros in 1,527 investments in 2015, up 83% from 2014.

BBVA CEO Carlos Torres Vila explained the Group’s plans to support the fintech industry and promote innovation – two pillars of BBVA’s ambitious transformation process. In his address during this first edition of Money 20/20 Europe - the most important fintech event in the world - in Copenhagen, Carlos Torres Vila affirmed that “BBVA will play an even more prominent role in the innovation ecosystem thanks to our internal initiatives, strategic alliances with fintech players and the use of our platform, by building open APIs, as key drivers of growth.”

One night, the Swede Robert Ilijason was trying to feed his baby. The last jar of baby food left at home fell on the floor and broke, leaving Ilijason with no food for his baby, since all the supermarkets were closed. After driving for more than 20 minutes to find what he was looking for, Ilijason had an idea which incredibly enough no one had thought about before.

The transparency report on the Fiscal Responsibility of Companies in the Ibex 35 compiled by Fundación Compromiso y Transparencia has awarded BBVA second place in the ranking of companies that best inform on their fiscal responsibility. This excellent result is thanks to the bank’s efforts to comply with the transparency indicators and improve their information in this area.

Atom, which is aiming to launch the U.K.'s first mobile-only bank, is announcing the introduction of machine-learning software into its customer care team to enable fast in-app resolution of client queries.

UBS and Ashoka join forces to launch the thirteenth edition of “Visionaris - UBS social entrepreneurship award", seeking to honor entrepreneurs who build creative, diversified and sustainable financing systems.