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Innovation

Innovation

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.

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BBVA has taken a significant step forward in its data-driven transformation strategy with the successful implementation of ADA, its global data platform, in Mexico and Colombia. This strategic advance seeks to improve and accelerate the bank's ability to offer personalized and relevant products and services to its customers. The cloud-based data platform, built on Amazon Web Services (AWS) technologies, enables the centralized consolidation of analytical processes, ensures real-time access to data, and scales the use of artificial intelligence.

The three-year project, titled Fair Learning, will address the main ethical, technical and regulatory challenges posed by the growing automation of decisions that impact society. A multidisciplinary team of BBVA and The University of Navarra will explore the use of advanced mathematical and statistical methods to correct data bias, integrate philosophical and ethical frameworks into model development, and devise a set of best practices based on international legislation.

BBVA has reached a milestone in its commitment to artificial intelligence, surpassing 1,000 data scientists on staff. To further enhance this talent, the bank offers them a professional development model that allows these professionals to advance in their careers without giving up their specialization. In this innovative approach, technical expertise is placed on equal footing with team management as a path for professional growth, allowing them to remain involved in AI development as they advance in their careers.

Generative AI with autonomous financial agents, quantum computing capable of spotting fraud in seconds, and banking services embedded in health or e-commerce apps. According to 'Fintech 2040', a report drawn up by BNPL provider Riverty, this could well be how fintech evolves over the next two decades. The study suggests a world where the boundaries between payments, lending, insurance and investment fade, and financial services become an integral part of people’s everyday digital lives.

BBVA has unveiled its cryptocurrency trading and custody service for bitcoin and ether, which is now available to all retail customers of legal age in Spain. After filing the relevant disclosure with the National Securities Market Commission (CNMV), the bank has been gradually rolling out the service in recent weeks. Customers can now use this service to trade in bitcoin and ether directly through the BBVA app, all within a fully integrated environment that also includes the bank’s other financial services.

Today in Frankfurt, BBVA officially launched its new digital bank in Germany. It combines cutting-edge technology, through one of the top financial apps in the world, with a compelling value proposition: an interest-bearing checking account paying three percent for the first 12 months, and a debit card with a three percent cashback on purchases - both paid monthly and completely free of charges, with no fees. “We’re bringing something new to Germany. A banking experience that combines the simplicity and convenience of a fee-free account, typical of digital actors, with the full range of products, reliability, and trust of a universal bank,” said BBVA CEO Onur Genç.

Ever wanted to manage your money better but weren’t sure where to start? BBVA has taken another step forward in its commitment to improving the financial health of its customers by launching a coach based on artificial intelligence (AI) that supports them in every financial decision. Integrated into the bank’s mobile app, the personal trainer analyzes your circumstances, helps you set goals, and suggests tailored plans so you can achieve your financial goals step by step.

The first edition of Global Finance AI in Finance Awards named BBVA the best bank in Spain for its artificial intelligence strategy, both within the organization and in its financial solutions for individuals. The publication also recognized one of BBVA’s revenue forecasting tools as the top AI risk management solution in Mexico and Latin America.

Image generated with Artificial Intelligence (Midjourney)

Maya Ackerman, known for her research in algorithmic music composition, reflected at BBVA's FinAI Summit on whether artificial intelligence is creative and how it can help humans achieve better results when developing their own creations.  Far from competing with human ingenuity, AI is emerging as an ally capable of unlocking ideas, inspiring new approaches, and enhancing our creative potential.

BBVA has adopted a new slogan, ‘Let’s move forward,’ replacing ‘Creating opportunities.’ The shift, part of a broader rebrand, aims to reflect the bank’s commitment to customers and its support for individual and business progress with a positive, empathetic tone. The move seeks to sharpen BBVA’s differentiation in an increasingly competitive market, while reinforcing its focus on inclusion and diversity.

The bank has expanded its partnership with the tech giant from 3,300 to 11,000 ChatGPT Enterprise licences, as part of its plan to extend generative AI capabilities across the entire organisation. Employees report that automating routine tasks with this tool allows them to save an average of nearly three hours of work per week, which they can then dedicate to strategic tasks. More than 80% of licensed users use it daily. BBVA offers training, has created a community to share best practices, and encourages internal innovation through idea ‘hackathons’.

The digital revolution is transforming every economic sector—and financeis no exception. Cryptoassets, tokenization, and blockchain-basedtechnologies are accelerating an inevitable evolution. In this context,traditional banks face a historic opportunity: to lead this transformation bycombining their experience, credibility, and global reach with the agility andinnovation of the crypto ecosystem. The future isn’t about choosingbetween the old and the new—it’s about merging both worlds into aseamless experience.

From May 5 to 8, BBVA will organize the first FinAI Summit, featuring talks, panel discussions and master classes, in an event designed to be the key forum on how AI could reshape financial services and products, and how this could impact society at large. Speakers will include international experts such as Kay Firth-Butterfield, previously head of artificial intelligence at the World Economic Forum. The public can attend online by registering on the FinAI Summit website.

You can register for the event at this link

Guardrails are mechanisms to guide the responsible development of AI so that it does not become a technological, social, or security threat. Classical and generative AI require different types of guardrails, as the latter’s ability to engage directly with end users has introduced a whole new set of challenges for developers—such as the mass production of fake news or the creation of new methods for perpetrating cybercrime.