All ventures are born from a clever idea, but not all new ideas end up becoming new companies. In addition to creativity, in order to materialize a business idea, it is essential to obtain financing, visibility and investors. Startup incubators are entities that offer entrepreneurs guidance, training and resources to materialize their project.

It goes without saying that Europe has lagged behind other world powers in many of the technological races of recent decades: from the design of smartphones and the operating systems that control them to the development of artificial intelligence applications, e-commerce platforms or social networks, among other areas of competition. But there is a new race, still in its early stages, in which Europe seems determined not to be left behind: the issuance of CBDCs (central bank digital currencies), which are intended to be an electronic version of cash now that banknotes and coins are in clear decline as a means of payment.

Cryptocurrencies and blockchain technology are everyday topics that have emerged as a new form of global economy. Thus, BBVA in Switzerland is launching Blockchain to go, a series of educational pills to provide people and companies with the necessary knowledge to enter this new world with confidence and security.

Garanti BBVA Mobile, Türkiye's most widely used banking application, maintains its leadership among private banks for the services it provides to individual customers and corporate clients.

The concept of digital identity -the personal data we voluntarily or involuntarily share online- is a cornerstone of cyberspace. Defining digital identity, regulating it and empowering the user is the next challenge we face.

The bank has signed a collaboration agreement with the Legendaryum Metaverse to explore how immersive digital environments could change the remote relationship model both between internal areas and with customers. BBVA has opened a remote meeting room in Legendaryum to analyze the potential of these spaces and how they change the way users relate to each other and help in the design of specific banking services.