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        <title>Transformation - NEWS BBVA</title>
        <atom:link href="https://www.bbva.com/en/innovation/transformation/feed/" rel="self" type="application/rss+xml" />
        <link>https://www.bbva.com/en/</link>
        <description>NEWS BBVA</description>
        <lastBuildDate>Thu, 09 Apr 2026 09:10:02 +0200</lastBuildDate>
        <language>en-US</language>
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                                <item>
                    <title>BBVA Spark Heads to 4YFN (MWC) with €1 Billion Euros in Committed Financing and More than 30 Startup Deals Signed in 2025</title>
                    <link>https://www.bbva.com/en/innovation/bbva-spark-heads-to-4yfn-mwc-with-e1-billion-euros-in-committed-financing-and-more-than-30-startup-deals-signed-in-2025/</link>
                    <pubDate>Mon, 02 Mar 2026 08:50:10 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Sofia Martínez Corrons]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Digitization for Companies]]>
                            </category>
                                                    <category>
                                <![CDATA[Enterprises]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial and commercial services]]>
                            </category>
                                                    <category>
                                <![CDATA[Fintech]]>
                            </category>
                                                    <category>
                                <![CDATA[Innovation]]>
                            </category>
                                                    <category>
                                <![CDATA[Technology]]>
                            </category>
                                                    <category>
                                <![CDATA[Transformation]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=innovation&#038;p=1146641</guid>
                                            <description>
                            <![CDATA[BBVA Spark will take part for the fourth consecutive year in <a href="https://www.4yfn.com/" target="_blank" rel="noopener">4YFN</a>, the leading event for startups, investors and corporates held within the framework of the <a href="https://www.mwcbarcelona.com/" target="_blank" rel="noopener">Mobile World Congress</a> (MWC) in Barcelona. The event comes at a key moment for the unit. Since its launch, BBVA Spark has committed close to €1 billion in financing and, in the past year alone, signed more than 30 deals with innovative, high-growth companies across Europe and Latin America.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[BBVA Spark will take part for the fourth consecutive year in <a href="https://www.4yfn.com/" target="_blank" rel="noopener">4YFN</a>, the leading event for startups, investors and corporates held within the framework of the <a href="https://www.mwcbarcelona.com/" target="_blank" rel="noopener">Mobile World Congress</a> (MWC) in Barcelona. The event comes at a key moment for the unit. Since its launch, BBVA Spark has committed close to €1 billion in financing and, in the past year alone, signed more than 30 deals with innovative, high-growth companies across Europe and Latin America.]]>
                        </content:encoded>
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                                <item>
                    <title>Garanti BBVA Mobile Redefines Digital Banking in 2025</title>
                    <link>https://www.bbva.com/en/tr/innovation/garanti-bbva-mobile-redefines-digital-banking-in-2025/</link>
                    <pubDate>Wed, 14 Jan 2026 11:37:41 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Sofia Martínez Corrons]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Digital processing]]>
                            </category>
                                                    <category>
                                <![CDATA[Garanti BBVA]]>
                            </category>
                                                    <category>
                                <![CDATA[Innovation]]>
                            </category>
                                                    <category>
                                <![CDATA[Technology]]>
                            </category>
                                                    <category>
                                <![CDATA[Transformation]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=innovation&#038;p=1139846</guid>
                                            <description>
                            <![CDATA[Garanti BBVA completely reshaped digital banking in 2025. With generative artificial intelligence at the heart of its digital strategy, the bank has evolved the user experience, making it more intuitive, more personalized and smarter. Garanti BBVA Mobile has transformed the banking experience by seamlessly integrating into millions of customers’ daily lives.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[Garanti BBVA completely reshaped digital banking in 2025. With generative artificial intelligence at the heart of its digital strategy, the bank has evolved the user experience, making it more intuitive, more personalized and smarter. Garanti BBVA Mobile has transformed the banking experience by seamlessly integrating into millions of customers’ daily lives.]]>
                        </content:encoded>
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                                <item>
                    <title>BBVA and OpenAI Seal a Strategic Alliance to Redefine Banking with Artificial Intelligence</title>
                    <link>https://www.bbva.com/en/innovation/bbva-and-openai-seal-a-strategic-alliance-to-redefine-banking-with-artificial-intelligence/</link>
                    <pubDate>Fri, 12 Dec 2025 07:42:43 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Santiago Romero]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Artificial Intelligence]]>
                            </category>
                                                    <category>
                                <![CDATA[Innovation]]>
                            </category>
                                                    <category>
                                <![CDATA[Transformation]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=innovation&#038;p=1135579</guid>
                                            <description>
                            <![CDATA[BBVA and OpenAI have entered into a strategic alliance aimed at redefining the future of financial services through the use of artificial intelligence. The agreement, announced by Carlos Torres Vila, Chair of BBVA, and Sam Altman, CEO and Co-founder of OpenAI, marks a unique and unprecedented level of collaboration in the financial industry to build a radically customer-centric proposition and to drive a more productive and efficient operating model.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[BBVA and OpenAI have entered into a strategic alliance aimed at redefining the future of financial services through the use of artificial intelligence. The agreement, announced by Carlos Torres Vila, Chair of BBVA, and Sam Altman, CEO and Co-founder of OpenAI, marks a unique and unprecedented level of collaboration in the financial industry to build a radically customer-centric proposition and to drive a more productive and efficient operating model.]]>
                        </content:encoded>
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                                <item>
                    <title>BBVA Demonstrates its First Conversational App Concept Connected to ChatGPT for Italy and Germany</title>
                    <link>https://www.bbva.com/en/innovation/bbva-demonstrates-its-first-conversational-app-concept-connected-to-chatgpt-for-italy-and-germany/</link>
                    <pubDate>Wed, 03 Dec 2025 12:52:11 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Patricia Casas]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Digital banking]]>
                            </category>
                                                    <category>
                                <![CDATA[Innovation]]>
                            </category>
                                                    <category>
                                <![CDATA[Transformation]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=innovation&#038;p=1134061</guid>
                                            <description>
                            <![CDATA[BBVA’s digital banks in Europe are exploring what could become the first banking app in the world natively integrated within ChatGPT, marking a bold step forward in how financial services integrate with conversational AI. This demonstration shows how people will be able to discover BBVA’s products and services in <a href="https://www.bbva.com/en/innovation/bbva-italy-is-achieving-disruptive-growth-by-bringing-the-best-of-incumbent-banks-and-digital-banks/">Italy</a> and <a href="https://www.bbva.com/en/innovation/bbva-launches-a-100-digital-bank-in-germany-offering-an-interest-bearing-checking-account-with-no-fees/">Germany</a> through a dedicated BBVA app built directly into OpenAI’s conversational assistant.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[BBVA’s digital banks in Europe are exploring what could become the first banking app in the world natively integrated within ChatGPT, marking a bold step forward in how financial services integrate with conversational AI. This demonstration shows how people will be able to discover BBVA’s products and services in <a href="https://www.bbva.com/en/innovation/bbva-italy-is-achieving-disruptive-growth-by-bringing-the-best-of-incumbent-banks-and-digital-banks/">Italy</a> and <a href="https://www.bbva.com/en/innovation/bbva-launches-a-100-digital-bank-in-germany-offering-an-interest-bearing-checking-account-with-no-fees/">Germany</a> through a dedicated BBVA app built directly into OpenAI’s conversational assistant.]]>
                        </content:encoded>
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                                <item>
                    <title>Murat Kalkan: “Our Secret Sauce Combines the Trust and Product Range of an Incumbent with the Digital Experience and Pricing of a Neobank”</title>
                    <link>https://www.bbva.com/en/innovation/murat-kalkan-our-secret-sauce-combines-the-trust-and-product-range-of-an-incumbent-with-the-digital-experience-and-pricing-of-a-neobank/</link>
                    <pubDate>Fri, 14 Nov 2025 05:42:47 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Vanessa Pombo Nartallo]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Innovation]]>
                            </category>
                                                    <category>
                                <![CDATA[Transformation]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=innovation&#038;p=1124689</guid>
                                            <description>
                            <![CDATA[Just over a year ago, BBVA created <a href="https://www.bbva.com/en/economy-and-finance/bbva-reorganizes-its-global-client-solutions-area-by-segments-commercial-and-retail/">its Digital Banks unit</a>, led by Murat Kalkan, an executive with a strong background in diverse retail banking businesses at BBVA, to drive the bank’s push into new markets with a fully digital model.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[Just over a year ago, BBVA created <a href="https://www.bbva.com/en/economy-and-finance/bbva-reorganizes-its-global-client-solutions-area-by-segments-commercial-and-retail/">its Digital Banks unit</a>, led by Murat Kalkan, an executive with a strong background in diverse retail banking businesses at BBVA, to drive the bank’s push into new markets with a fully digital model.]]>
                        </content:encoded>
                                                        </item>
            
                                <item>
                    <title>BBVA Ranks Among the World's Best Digital Banks, According to Euromoney</title>
                    <link>https://www.bbva.com/en/innovation/bbva-ranks-among-the-worlds-best-digital-banks-according-to-euromoney/</link>
                    <pubDate>Mon, 10 Nov 2025 02:19:10 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Vanessa Pombo Nartallo]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Innovation]]>
                            </category>
                                                    <category>
                                <![CDATA[Transformation]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/innovacion/bbva-entre-los-mejores-bancos-digitales-del-mundo-segun-euromoney/</guid>
                                            <description>
                            <![CDATA[BBVA has secured a place among the world's leading digital banks, according to Euromoney’s latest report,  <a href="https://www.euromoney.com/reports/the-worlds-best-digital-banks-the-future-of-retail-banking/" target="_blank" rel="noopener">‘The World’s Best Digital Banks</a>.' The study evaluated more than 300 institutions globally, placing BBVA in the leadership category alongside digital-native rivals such as Revolut, Nubank, and Singapore-based DBS.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[BBVA has secured a place among the world's leading digital banks, according to Euromoney’s latest report,  <a href="https://www.euromoney.com/reports/the-worlds-best-digital-banks-the-future-of-retail-banking/" target="_blank" rel="noopener">‘The World’s Best Digital Banks</a>.' The study evaluated more than 300 institutions globally, placing BBVA in the leadership category alongside digital-native rivals such as Revolut, Nubank, and Singapore-based DBS.]]>
                        </content:encoded>
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                                <item>
                    <title>BBVA Switzerland Launches an Interactive Experience to Understand Our Investment Behavior</title>
                    <link>https://www.bbva.com/en/innovation/bbva-switzerland-launches-an-interactive-experience-to-understand-our-investment-behavior/</link>
                    <pubDate>Mon, 03 Nov 2025 06:31:39 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Sofia Martínez Corrons]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Behavioural sciences]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial and economic wellness]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial psychology]]>
                            </category>
                                                    <category>
                                <![CDATA[Innovation]]>
                            </category>
                                                    <category>
                                <![CDATA[Investment management]]>
                            </category>
                                                    <category>
                                <![CDATA[Investments]]>
                            </category>
                                                    <category>
                                <![CDATA[Transformation]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=innovation&#038;p=1112756</guid>
                                            <description>
                            <![CDATA[BBVA Switzerland, together with the Group's Behavioral Economics team, has launched ‘Investing in the Mirror,’ an innovative interactive experience that invites us to reflect on the role of emotions, biases, and beliefs in our investment decisions. It's a different look at the relationship with money that combines technological innovation and behavioral psychology.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[BBVA Switzerland, together with the Group's Behavioral Economics team, has launched ‘Investing in the Mirror,’ an innovative interactive experience that invites us to reflect on the role of emotions, biases, and beliefs in our investment decisions. It's a different look at the relationship with money that combines technological innovation and behavioral psychology.]]>
                        </content:encoded>
                                                        </item>
            
                                <item>
                    <title>BBVA Expands Digital Offering with New Deposit Feature in Cooperation with Paysafe</title>
                    <link>https://www.bbva.com/en/innovation/bbva-expands-digital-offering-with-new-deposit-feature-in-cooperation-with-paysafe/</link>
                    <pubDate>Fri, 31 Oct 2025 01:24:44 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Vanessa Pombo Nartallo]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Innovation]]>
                            </category>
                                                    <category>
                                <![CDATA[Transformation]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=innovation&#038;p=1127572</guid>
                                            <description>
                            <![CDATA[BBVA Germany is expanding its digital offering with a new ‘Bargeld via App’ cash‑in feature. From now on, customers can deposit cash directly into their BBVA account at participating supermarket and retail checkouts – quickly, securely, and without visiting a bank branch.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[BBVA Germany is expanding its digital offering with a new ‘Bargeld via App’ cash‑in feature. From now on, customers can deposit cash directly into their BBVA account at participating supermarket and retail checkouts – quickly, securely, and without visiting a bank branch.]]>
                        </content:encoded>
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                                <item>
                    <title>Carmela Gómez: “AI will turn online shopping into a conversational experience”</title>
                    <link>https://www.bbva.com/en/innovation/carmela-gomez-ai-will-turn-online-shopping-into-a-conversational-experience/</link>
                    <pubDate>Tue, 07 Oct 2025 00:47:00 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Vanessa Pombo Nartallo]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Artificial Intelligence]]>
                            </category>
                                                    <category>
                                <![CDATA[Innovation]]>
                            </category>
                                                    <category>
                                <![CDATA[Transformation]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=innovation&#038;p=1121107</guid>
                                            <description>
                            <![CDATA[It will soon be enough to spot a shirt we like and just ask a voice-enabled AI device to send it home in our size and in a different color, bypassing the entire traditional online shopping process. Artificial intelligence is set to transform shopping into a conversational experience, explained Carmela Gómez, Global Head of Open Banking at BBVA, at the Sibos financial event. AI will also enable companies to anticipate cash needs, open up new financial opportunities for vulnerable communities, and make access to credit easier for gig economy workers.
<h6>AI-generated cover image</h6>]]>
                        </description>
                        <content:encoded>
                            <![CDATA[It will soon be enough to spot a shirt we like and just ask a voice-enabled AI device to send it home in our size and in a different color, bypassing the entire traditional online shopping process. Artificial intelligence is set to transform shopping into a conversational experience, explained Carmela Gómez, Global Head of Open Banking at BBVA, at the Sibos financial event. AI will also enable companies to anticipate cash needs, open up new financial opportunities for vulnerable communities, and make access to credit easier for gig economy workers.
<h6>AI-generated cover image</h6>]]>
                        </content:encoded>
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                                <item>
                    <title>BBVA partners with Mastercard and Sabre Direct Pay to transform travel agency payments in Mexico</title>
                    <link>https://www.bbva.com/en/enterprises/bbva-partners-with-mastercard-and-sabre-direct-pay-to-transform-travel-agency-payments-in-mexico/</link>
                    <pubDate>Tue, 30 Sep 2025 06:59:13 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[david.corral]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Business finance]]>
                            </category>
                                                    <category>
                                <![CDATA[Corporate payments]]>
                            </category>
                                                    <category>
                                <![CDATA[Digitization for Companies]]>
                            </category>
                                                    <category>
                                <![CDATA[Digitization of processes]]>
                            </category>
                                                    <category>
                                <![CDATA[Enterprises]]>
                            </category>
                                                    <category>
                                <![CDATA[Transformation]]>
                            </category>
                                                    <category>
                                <![CDATA[Transformation]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=innovation&#038;p=1119687</guid>
                                            <description>
                            <![CDATA[BBVA, in a further show of its commitment to offering innovative payment solutions, has launched a new virtual card product in Mexico alongside Mastercard (NYSE: MA) and Sabre Direct Pay, Sabre Corporation’s (NASDAQ: SABR) virtual payment solution. This innovative offering in Mexico enables travel agencies to issue secure virtual card numbers (VCNs) for each payment. This improves control, integrates with backend reconciliation tools, and significantly reduces manual work and errors.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[BBVA, in a further show of its commitment to offering innovative payment solutions, has launched a new virtual card product in Mexico alongside Mastercard (NYSE: MA) and Sabre Direct Pay, Sabre Corporation’s (NASDAQ: SABR) virtual payment solution. This innovative offering in Mexico enables travel agencies to issue secure virtual card numbers (VCNs) for each payment. This improves control, integrates with backend reconciliation tools, and significantly reduces manual work and errors.]]>
                        </content:encoded>
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