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Innovation

Yesterday

07 May 2019

Garanti Bank provides its SME clients a dedicated in-branch customer relationship manager who support clients in their banking needs. Now, these clients have access to a new service: Central Customer Service (Merkezi Müşteri Hizmetleri, or MHT). This new structure aims to provide clients a faster response to queries and transactions when the volume of requests is high

26 Apr 2019

24 Apr 2019

Carlos Torres Vila studied at the prestigious Massachusetts Institute of Technology (MIT), which is where he gave his first interview since becoming BBVA’s Executive Chairman. He was in Boston to present OpenMind’s new book, ‘Towards a New Enlightenment? A Transcendent Decade’ and sat down with the Spanish newspaper, ‘El Mundo,’ to discuss the explosion of technology in the banking industry. He believes data is fundamental: “It is crucial that the data revolution is universal. The most vulnerable in society cannot be left behind.”

17 Apr 2019

Forbes magazine has included BBVA as one of the ‘Blockchain 50,’ a list that recognizes the leaders in the use and development of this exponential technology. The U.S. publication specifically focused on BBVA’s efforts in the area of blockchain-powered syndicated loans, which are used by the bank to further transparency, security, and efficiency throughout its business processes.

16 Apr 2019

Each year Propel Venture Partners holds an annual summit for the businesses it invests into through it’s single limited partner, BBVA. The event in Silicon Valley is a chance for updates, shared learnings, introductions and to discuss the kind of technology and drivers that will shape the sector in the coming years.

05 Apr 2019

Ricardo Forcano, BBVA’s Global Head of Engineering and Organization, participated in the Association for the Advancement of Management’s (APD in Spanish) session on Agile Organizations, where he presented how BBVA is transforming its organization and work methods. “It’s a constant learning process,” Forcano said, referring to BBVA’s efforts to incorporate  the agile methodology across all of its central areas. As a result, the bank is able to provide its customers new solutions more effectively.

In recent months, BBVA Next Technologies has devoted some effort into researching tools and techniques for interpreting machine learning models. These techniques are very useful to understand the predictions of a model (or make others understand them), to extract business insights from a model that has managed to capture the underlying patterns of customers interest, and to debug models in order to ensure they make the right decisions for the right reasons.

In this article we will explain how we have applied these techniques to avoid deploying flawed models into production that seemed totally correct a priori according to standard validation methods.

01 Apr 2019

29 Mar 2019

28 Mar 2019

27 Mar 2019

BBVA and Telefónica have signed a strategic agreement that designates the operator as the single telecommunications service provider for the bank and its employees in Spain. The alliance will allow BBVA to optimize its communications systems, increase the capacity of its technology network, and extend its adoption of cloud computing, providing a distinctive advantage to the business’ needs.

26 Mar 2019

Designers around the world working for the BBVA Group now have a pioneering new tool at their disposal. The platform allows designers to reuse parts in order to create homogenous digital banking experiences across all of the countries where the bank has a presence. BBVA, with presence in 30 countries, is the first bank to launch a platform like this on such an international scale and in multiple continents.

NASA’s Space Apps Challenge, one of the world’s most popular hackathons, has, once again, awarded a group of Spaniards, in this case the time behind ‘Galaxy Quest.’ The project helps processing real data collected by the Hubble telescope through a ‘gamification’ process.  But not only that:  It is the first step in developing an artificial neural network using these data, and a new communications channel between NASA and users.  José Luis Martín-Oar, service designer at BBVA and one of the team’s members, tells us everything about the project.

25 Mar 2019

14 Mar 2019

12 Mar 2019

11 Mar 2019

In 2019, the Business 20 (B20) – considered to be the private sector’s voice of the G20 – is seeking to showcase innovative projects that contribute to the fulfillment of the United Nations’ Sustainable Development Goals (SDGs). To this end, business members of this advisory body to the G20 have submitted proposals for projects that make a significant social impact. BBVA is the only Spanish bank whose five project submissions are among those selected.

04 Mar 2019

In its most recent issue, The Fintech Magazine examines some of BBVA’s most recent technology advances, such as payments powered by facial recognition and the use of artificial intelligence in its mobile banking application.  The magazine also outlines the core of the bank’s digital strategy and describes how BBVA is taking steps to fulfill its vision of automated banking in the future.

01 Mar 2019

The sidecar pattern shows itself as a very powerful tool in the new world of containers and can be found in several use cases. In this post we focus in analyzing some of the most interesting use cases from an IT security perspective.

The heart of the scrum work methodology is the sprint. The sprint is a miniproject nomore than one month (very short execution cycles – from one to four weeks), aimed atincreasing in value in the product we are building. All sprints have a definition andplanning that will help achieve the goals set.

27 Feb 2019

25 Feb 2019

21 Feb 2019

BBVA has been internationally recognized in the third annual Digital Talent Awards, presented by Accenture and the daily business newspaper El Economista, in collaboration with Spain’s Human Resources group. The bank has earned the award because of its adaptability in the digital age, as demonstrated by its cultural change, leadership style, and most importantly its transition to an agile approach to work.

20 Feb 2019

19 Feb 2019

When a company is about to embark on an important project, one of the first decisions it needs to make is which model is the most appropriate to manage the project. In other words: which project or development methodology is most suitable? The two most commonly used approaches are: agile and waterfall.

18 Feb 2019

15 Feb 2019

14 Feb 2019

06 Feb 2019

05 Feb 2019

04 Feb 2019

30 Jan 2019

28 Jan 2019

There are unsung heroes who travel miles, undaunted by distance or the obstacles they face on the road to reach their entrepreneurs: entrepreneurs who, whether standing behind a shop counter, sitting behind a sewing machine, or surrounded by their crops, make decisions everyday that impact their lives and the lives of their relatives and neighbors. If these entrepreneurs – more than two million today – are the heart of the BBVA Microfinance Foundation, then the more than 4,000 loan officers who accompany them on the road toward prosperity are its soul. There are many types of heroes in the world. Some, like these, were not born heroes. The were made into heroes.

25 Jan 2019

21 Jan 2019

Obsessive Compulsive Disorder is a neurologic condition that causes people suffering from it to be dominated by anxiety and develop unwanted thoughts that they cannot get rid of. Researchers at the Universidad Carlos III are applying artificial intelligence techniques to detect which brain areas are affected by this disorder. Emilio Parrado, a data scientist at BBVA was one of the researchers that took part in the project and explains how machine learning can bring huge improvements to any activity, including finance.

16 Jan 2019

14 Jan 2019

The world of video games is an economic and creative reality. Its possibilities are not limited to its recreational aspects; it is an industry that employees a multitude of people. According to the latest report by Newzoo, gaming generated more than €100 billion in 2018. And in an article that cites the Newzoo report, CNBC points out that this represents an increase of more than 13 percent compared to the previous year. The gaming industry encompasses video games, games for mobile devices, and eSports.

11 Jan 2019

Each year the Las Vegas CES technology trade fair becomes a parade of outlandish devices as the the big industry trend-setters make their announcements for the coming year. Manufacturers like LG and Samsung compete to show off the latest models of their flexible displays or connected household appliances, while the likes of Amazon and Google continue the battle to place their virtual assistants in as may products as possible. What happened this year?

08 Jan 2019

02 Jan 2019

21 Dec 2018

18 Dec 2018

17 Dec 2018

12 Dec 2018

Carlos Torres Vila took part in the ‘14th Banking Industry Meeting’ organized by IESE and EY in Madrid. BBVA’s CEO spoke about how digital transformation reflects on the outside, but originates inside organizations. In the current environment, he believes that banks need to harness the potential of new technologies to create opportunities for their customers. “We think big, not only in the sense of being ambitious, but of being innovative, breaking molds and surprising the customer,” he said.

Identification using authentication like digital fingerprints and facial or iris recognition is making inroads in the world of airports where companies are looking for new technologies to enhance the user experience.

11 Dec 2018

In a world flush with acronyms – hello, banking! – “API” might seem like the latest notable term. But the truth is, APIs, or Application Programming Interfaces, have been on the scene for many years, and was made popular in the year 2000 when SalesForce officially launched its web-based sales force automation.

10 Dec 2018

05 Dec 2018

Space Apps Challenge is an annual global contest where scientists and innovators from across the world compete to solve challenges facing the aerospace industry proposed by NASA. In 2016, I was one of the scientists that won this prize thanks to an algorithm capable of detecting and classifying Near Earth Objects, or NEOs. Today, I work as a data scientist at BBVA, where I develop fraud detection models. This is my story.

A group of prominent innovation leaders and experts gathered recently in Paris to attend the Innovation Leaders Summit, organized by the MIT Technology Review. BBVA’s was the only major bank to take part as speaker at the event. Here, it debated on current topics, such as the role of blockchain in the emerging tokenized economy and the security challenges posed by quantum computing.

03 Dec 2018

27 Nov 2018

Atom bank, the UK’s first bank built for mobile and the country’s fastest growing mortgage lender, has agreed a multi-year partnership with leading fintech Thought Machine to put its next generation of personal and business banking products onto Thought Machine’s Vault platform.

The problem of data integrity verification is a classic topic that has been well-studied in the last decades. Many database or log systems run on untrusted servers or are subject to malicious attacks from insiders and, therefore, vulnerable to tampering. With the advent of cloud computing and the possibility of dealing with outsourced data, such situation has been aggravated. This problem is an essential challenge for financial institutions where preserving the correctness of customer data and transactions is crucial in terms of legal compliance and reputation.

23 Nov 2018

21 Nov 2018

20 Nov 2018

BBVA is one of the first five banks invited to join a blockchain forum organized by the European Commission (EC) in Brussels to, subsequently, join the launch of the IATBA, an European platform to promote the use of blockchain. The purpose of this publicly-sponsored initiative is to garner support from private blockchain and DLT experts to contribute to outline the EU’s strategy regarding these technologies.

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‘Big data’, ‘IA’, ‘blockchain’, ‘cloud’, biometrics… these are just a few of the new technological developments that are reshaping the financial world in general, and BBVA in particular. BBVA and Cisco’s new Engineer Exchange Program creates the perfect opportunity to exchange talent and new ways of working in this digital environment.