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        <title>Artificial Intelligence | BBVA</title>
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        <link>https://www.bbva.com/en/innovation/artificial-intelligence/</link>
        <description>NEWS BBVA</description>
        <lastBuildDate>Thu, 03 Sep 2026 10:23:00 +0200</lastBuildDate>
        <language>en-US</language>
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                                <item>
                    <title>BBVA brings AI into the ePricer experience: AI-powered ideas and smarter tools bring a new generation of ePricer to life</title>
                    <link>https://www.bbva.com/en/enterprises/bbva-brings-ai-into-the-epricer-experience-ai-powered-ideas-and-smarter-tools-bring-a-new-generation-of-epricer-to-life/</link>
                    <pubDate>Tue, 01 Sep 2026 05:42:39 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[O020755]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Artificial Intelligence]]>
                            </category>
                                                    <category>
                                <![CDATA[Innovation]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=enterprises&#038;p=1176415</guid>
                                            <description>
                            <![CDATA[BBVA Corporate &amp; Investment Banking is bringing artificial intelligence directly into ePricer, its digital structured products platform, with a new release designed to make idea generation, pricing and lifecycle management more connected.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[BBVA Corporate &amp; Investment Banking is bringing artificial intelligence directly into ePricer, its digital structured products platform, with a new release designed to make idea generation, pricing and lifecycle management more connected.]]>
                        </content:encoded>
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                                <item>
                    <title>The Odyssey of Regulating and Developing AI</title>
                    <link>https://www.bbva.com/en/economy-and-finance/the-odyssey-of-regulating-and-developing-ai/</link>
                    <pubDate>Mon, 17 Aug 2026 08:12:02 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Javier Díaz Jiménez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Artificial Intelligence]]>
                            </category>
                                                    <category>
                                <![CDATA[Economy and Finance]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial regulations]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial system]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=economyfinance&#038;p=1172850</guid>
                                            <description>
                            <![CDATA[Last July witnessed the convergence of two events that, at first glance, appear to have nothing in common: the release of <strong><a href="https://www.odysseymovie.com/" target="_blank" rel="noopener">Christopher Nolan’s <i>The Odyssey</i></a></strong> and the European Union’s decision to postpone the implementation of much of the <strong><a href="https://www.consilium.europa.eu/en/policies/artificial-intelligence-act/" target="_blank" rel="noopener">AI Act until December 2027</a></strong>. <strong><a href="https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=OJ:L_202601744" target="_blank" rel="noopener">With the delay announced in July</a></strong>, Europe’s push for trustworthy AI, launched back in 2017, <strong>will have spanned an entire decade</strong>—exactly as long as it took Odysseus to return to Ithaca following the Trojan War.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[Last July witnessed the convergence of two events that, at first glance, appear to have nothing in common: the release of <strong><a href="https://www.odysseymovie.com/" target="_blank" rel="noopener">Christopher Nolan’s <i>The Odyssey</i></a></strong> and the European Union’s decision to postpone the implementation of much of the <strong><a href="https://www.consilium.europa.eu/en/policies/artificial-intelligence-act/" target="_blank" rel="noopener">AI Act until December 2027</a></strong>. <strong><a href="https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=OJ:L_202601744" target="_blank" rel="noopener">With the delay announced in July</a></strong>, Europe’s push for trustworthy AI, launched back in 2017, <strong>will have spanned an entire decade</strong>—exactly as long as it took Odysseus to return to Ithaca following the Trojan War.]]>
                        </content:encoded>
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                                <item>
                    <title>BBVA Cuts Customer Inquiry Response Times by More Than 15% in Italy and Germany Thanks to AI</title>
                    <link>https://www.bbva.com/en/innovation/bbva-cuts-customer-inquiry-response-times-by-more-than-15-in-italy-and-germany-thanks-to-ai/</link>
                    <pubDate>Fri, 31 Jul 2026 04:26:53 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[María Prados]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Artificial Intelligence]]>
                            </category>
                                                    <category>
                                <![CDATA[Innovation]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=innovation&#038;p=1172328</guid>
                                            <description>
                            <![CDATA[Two generative AI assistants developed by the teams managing BBVA’s contact centres in Italy and Germany—the Group’s two fully digital banks—have reduced the average handling time for the most common customer enquiries about products, services and general procedures by more than 15%. By speeding up information retrieval and response preparation, these AI copilots enable customer service agents to resolve routine enquiries more quickly and dedicate more time to more complex cases that require deeper analysis and personalised support.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[Two generative AI assistants developed by the teams managing BBVA’s contact centres in Italy and Germany—the Group’s two fully digital banks—have reduced the average handling time for the most common customer enquiries about products, services and general procedures by more than 15%. By speeding up information retrieval and response preparation, these AI copilots enable customer service agents to resolve routine enquiries more quickly and dedicate more time to more complex cases that require deeper analysis and personalised support.]]>
                        </content:encoded>
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                                <item>
                    <title>BBVA Goes Beyond Satisfaction Surveys and Uses AI to Measure the Real Customer Experience</title>
                    <link>https://www.bbva.com/en/innovation/bbva-goes-beyond-satisfaction-surveys-and-uses-ai-to-measure-the-real-customer-experience/</link>
                    <pubDate>Tue, 14 Jul 2026 00:48:45 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Vanessa Pombo Nartallo]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Artificial Intelligence]]>
                            </category>
                                                    <category>
                                <![CDATA[Innovation]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=innovation&#038;p=1169892</guid>
                                            <description>
                            <![CDATA[Satisfaction surveys are no longer the only way BBVA gains insight into its relationship with customers. The bank is now using generative artificial intelligence to analyze hundreds of thousands of customer interactions, providing a more complete picture of the customer experience. It harnesses this technology to process selected conversations in Spain across channels such as phone calls and chats between customers and relationship managers through the bank’s app, as well as more than 220,000 monthly calls between customers and remote relationship managers in Mexico. The goal is to identify customer needs and pain points more quickly and reliably, enabling more personalized and effective service. These capabilities are deployed in compliance with applicable data protection regulations. This solution is one of the 1,127 AI use cases that BBVA already has in production, serving both customers and the business.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[Satisfaction surveys are no longer the only way BBVA gains insight into its relationship with customers. The bank is now using generative artificial intelligence to analyze hundreds of thousands of customer interactions, providing a more complete picture of the customer experience. It harnesses this technology to process selected conversations in Spain across channels such as phone calls and chats between customers and relationship managers through the bank’s app, as well as more than 220,000 monthly calls between customers and remote relationship managers in Mexico. The goal is to identify customer needs and pain points more quickly and reliably, enabling more personalized and effective service. These capabilities are deployed in compliance with applicable data protection regulations. This solution is one of the 1,127 AI use cases that BBVA already has in production, serving both customers and the business.]]>
                        </content:encoded>
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                                <item>
                    <title>BBVA’s Eight Responsible AI Principles</title>
                    <link>https://www.bbva.com/en/innovation/bbvas-eight-responsible-ai-principles/</link>
                    <pubDate>Wed, 08 Jul 2026 22:06:41 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Vanessa Pombo Nartallo]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Artificial Intelligence]]>
                            </category>
                                                    <category>
                                <![CDATA[Innovation]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=innovation&#038;p=1169362</guid>
                                            <description>
                            <![CDATA[At BBVA, the development and use of artificial intelligence are underpinned by a responsible AI framework based on eight principles that promote transparency, security, privacy and human oversight. The aim is to create sustainable value, uphold security standards, regulatory compliance and customer data protection, in order to preserve customer trust in the bank’s services in an increasingly automated environment.  These principles are implemented through technological capabilities, governance mechanisms, and training and support programs for employees.
<h6>AI-generated opening image</h6>]]>
                        </description>
                        <content:encoded>
                            <![CDATA[At BBVA, the development and use of artificial intelligence are underpinned by a responsible AI framework based on eight principles that promote transparency, security, privacy and human oversight. The aim is to create sustainable value, uphold security standards, regulatory compliance and customer data protection, in order to preserve customer trust in the bank’s services in an increasingly automated environment.  These principles are implemented through technological capabilities, governance mechanisms, and training and support programs for employees.
<h6>AI-generated opening image</h6>]]>
                        </content:encoded>
                                                        </item>
            
                                <item>
                    <title>BBVA Completes Its First AI Agent-Initiated Transaction Together with Visa</title>
                    <link>https://www.bbva.com/en/innovation/bbva-completes-its-first-ai-agent-initiated-transaction-together-with-visa/</link>
                    <pubDate>Thu, 02 Jul 2026 11:30:50 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Vanessa Pombo Nartallo]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Artificial Intelligence]]>
                            </category>
                                                    <category>
                                <![CDATA[Innovation]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=innovation&#038;p=1168701</guid>
                                            <description>
                            <![CDATA[BBVA has completed a transaction initiated by an artificial intelligence agent on behalf of a cardholder, as part of a live agentic commerce activity that Visa is developing in Europe under its Visa Agentic Ready programme. The payment was carried out using real card credentials and the systems of an active merchant, demonstrating that AI agents can securely complete purchases on behalf of cardholders within today’s payments infrastructure.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[BBVA has completed a transaction initiated by an artificial intelligence agent on behalf of a cardholder, as part of a live agentic commerce activity that Visa is developing in Europe under its Visa Agentic Ready programme. The payment was carried out using real card credentials and the systems of an active merchant, demonstrating that AI agents can securely complete purchases on behalf of cardholders within today’s payments infrastructure.]]>
                        </content:encoded>
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                                <item>
                    <title>Carlos Torres Vila: “Europe’s True Competitive Advantage Will Come from Companies’ Ability to Incorporate AI at Scale”</title>
                    <link>https://www.bbva.com/en/economy-and-finance/carlos-torres-vila-europes-true-competitive-advantage-will-come-from-companies-ability-to-incorporate-ai-at-scale/</link>
                    <pubDate>Fri, 19 Jun 2026 10:57:58 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Santiago Romero]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Artificial Intelligence]]>
                            </category>
                                                    <category>
                                <![CDATA[Carlos Torres Vila]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=economyfinance&#038;p=1166922</guid>
                                            <description>
                            <![CDATA[BBVA’s Chair stated this Friday that Europe remains one of the world’s largest economies, with significant strengths, but needs to increase investment in order to compete globally. During the annual conference of the Spanish Banking Association (AEB), the Spanish Federation of Savings Banks (CECA) and the Credit Cooperative Association (Unacc), Carlos Torres Vila noted that the EU does not have a savings problem, but rather a challenge in channeling those savings into productive projects. To achieve this, it is necessary to simplify regulation and complete financial integration. He also highlighted the role of artificial intelligence (AI) as a driver of Europe’s competitiveness. The true competitive advantage, he explained, will come from the ability of European companies to incorporate AI at scale and translate it into productivity, innovation and growth.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[BBVA’s Chair stated this Friday that Europe remains one of the world’s largest economies, with significant strengths, but needs to increase investment in order to compete globally. During the annual conference of the Spanish Banking Association (AEB), the Spanish Federation of Savings Banks (CECA) and the Credit Cooperative Association (Unacc), Carlos Torres Vila noted that the EU does not have a savings problem, but rather a challenge in channeling those savings into productive projects. To achieve this, it is necessary to simplify regulation and complete financial integration. He also highlighted the role of artificial intelligence (AI) as a driver of Europe’s competitiveness. The true competitive advantage, he explained, will come from the ability of European companies to incorporate AI at scale and translate it into productivity, innovation and growth.]]>
                        </content:encoded>
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                                <item>
                    <title>Isaac Asimov, AI, and the Goals of Financial Regulation</title>
                    <link>https://www.bbva.com/en/economy-and-finance/isaac-asimov-ai-and-the-goals-of-financial-regulation/</link>
                    <pubDate>Tue, 16 Jun 2026 05:59:37 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Javier Díaz Jiménez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Artificial Intelligence]]>
                            </category>
                                                    <category>
                                <![CDATA[Economy and Finance]]>
                            </category>
                                                    <category>
                                <![CDATA[Finance]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=economyfinance&#038;p=1163673</guid>
                                            <description>
                            <![CDATA[One of the main issues currently under discussion in European financial regulation is whether competitiveness objectives should be part of the purview of European regulatory and supervisory agencies, alongside their primary mandate of safeguarding financial stability. The debate has gained momentum following the UK reform introduced in 2023, which included objectives of this kind, and in tandem with the regulatory simplification efforts being championed by the European Commission. Notably, Brussels recently launched a consultation on the competitiveness of the financial industry and is expected to publish a report in the coming weeks. It is important to clarify that both the UK reform and the proposals currently on the table in the EU refer to competitiveness in a dual sense: that of the financial sector itself and that of the broader economy it helps to finance.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[One of the main issues currently under discussion in European financial regulation is whether competitiveness objectives should be part of the purview of European regulatory and supervisory agencies, alongside their primary mandate of safeguarding financial stability. The debate has gained momentum following the UK reform introduced in 2023, which included objectives of this kind, and in tandem with the regulatory simplification efforts being championed by the European Commission. Notably, Brussels recently launched a consultation on the competitiveness of the financial industry and is expected to publish a report in the coming weeks. It is important to clarify that both the UK reform and the proposals currently on the table in the EU refer to competitiveness in a dual sense: that of the financial sector itself and that of the broader economy it helps to finance.]]>
                        </content:encoded>
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                                <item>
                    <title>BBVA develops a new technology architecture with AWS to accelerate its AI solutions</title>
                    <link>https://www.bbva.com/en/innovation/bbva-develops-a-new-technology-architecture-with-aws-to-accelerate-its-ai-solutions/</link>
                    <pubDate>Fri, 05 Jun 2026 02:50:50 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Joan Llop]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Artificial Intelligence]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=innovation&#038;p=1164598</guid>
                                            <description>
                            <![CDATA[BBVA has developed a new MLOps architecture together with Amazon Web Services (AWS), integrated into ADA, <a href="https://www.bbva.com/en/innovation/bbva-completes-its-global-move-to-the-cloud-with-a-single-data-and-artificial-intelligence-platform/">the bank’s global cloud-based data and artificial intelligence platform</a>, to accelerate the development, validation and deployment of AI models across the Group. The solution enables teams to work more autonomously, reuse common components and automate governance controls, reducing development times by up to 75% in use cases such as personalized customer recommendations and financial forecasting.
<h6></h6>]]>
                        </description>
                        <content:encoded>
                            <![CDATA[BBVA has developed a new MLOps architecture together with Amazon Web Services (AWS), integrated into ADA, <a href="https://www.bbva.com/en/innovation/bbva-completes-its-global-move-to-the-cloud-with-a-single-data-and-artificial-intelligence-platform/">the bank’s global cloud-based data and artificial intelligence platform</a>, to accelerate the development, validation and deployment of AI models across the Group. The solution enables teams to work more autonomously, reuse common components and automate governance controls, reducing development times by up to 75% in use cases such as personalized customer recommendations and financial forecasting.
<h6></h6>]]>
                        </content:encoded>
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                                <item>
                    <title>Onur Genç: “AI Will Transform Banking for the Better, the Key Lies in Scaling Its Benefits Across the Organization”</title>
                    <link>https://www.bbva.com/en/innovation/onur-genc-ai-will-transform-banking-for-the-better-the-key-lies-in-scaling-its-benefits-across-the-organization/</link>
                    <pubDate>Thu, 04 Jun 2026 11:23:46 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Sofia Martínez Corrons]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Artificial Intelligence]]>
                            </category>
                                                    <category>
                                <![CDATA[Innovation]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=innovation&#038;p=1164546</guid>
                                            <description>
                            <![CDATA[Artificial intelligence will bring about a faster and more profound transformation than the digital revolution, drastically altering customer relations, value propositions and the way organizations operate. This was the message BBVA CEO Onur Genç delivered in his presentation at the fintech conference Money2020, where he stressed that differentiation in this new era will hinge on how capable organizations are of transforming and scaling AI across their operations, an area where BBVA is already taking decisive steps.  In addition, he underscored that the bank has established a very clear roadmap to build a more personalized, accessible and proactive banking experience for its clients.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[Artificial intelligence will bring about a faster and more profound transformation than the digital revolution, drastically altering customer relations, value propositions and the way organizations operate. This was the message BBVA CEO Onur Genç delivered in his presentation at the fintech conference Money2020, where he stressed that differentiation in this new era will hinge on how capable organizations are of transforming and scaling AI across their operations, an area where BBVA is already taking decisive steps.  In addition, he underscored that the bank has established a very clear roadmap to build a more personalized, accessible and proactive banking experience for its clients.]]>
                        </content:encoded>
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