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 Italy and Germany through a dedicated BBVA app built directly into OpenAI’s conversational assistant.

Shares, artwork, real estate… in fact pretty much any asset, can now have a digital twin. Tokenization is reshaping investments by making it possible to split tangible, real-world assets into tokens that can be bought or sold in a matter of seconds, with the utmost transparency and with no intermediaries. So what are the steps involved in turning tangible value from the physical world into its digital counterpart?

Just over a year ago, BBVA created its Digital Banks unit, 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.

BBVA has secured a place among the world's leading digital banks, according to Euromoney’s latest report,  ‘The World’s Best Digital Banks.' 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.

Garanti BBVA was internationally honored for its design excellence, earning two distinctions from the iF Design Awards for its updated Garanti BBVA mobile app and the Pulse app, and another from the A Design Awards for its ‘My Home, My Car, My Travel’ project — showcasing its highly innovative approach to user experience and digital design.

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.

BBVA has completed the global rollout of ADA (Analytics + Data + AI), the group's data platform, which is now operational across all geographies within BBVA's footprint, consolidating a unique, efficient, and wholly cloud-based technology model.

BBVA Spark has struck a financing deal worth up to €50 million with Sesame, Spain’s leading HR software company. This funding will enable Sesame to ramp up its growth across Europe, while allocating its own resources to strengthening its leadership in AI. The agreement also marks the launch of an innovative financial instrument in Europe.

BBVA Chair Carlos Torres Vila took part in the closing ceremony of the BBVA Spark Summit 2025 in Barcelona, the leading event for startups, scaleups and investors. In a dialogue with BBVA Spark Global Head Santiago Muguruza, he stressed AI’s central role in customer service and outlined a series of strategic AI projects designed to deliver excellence in customer‑relationship processes, customization and efficiency.

Garanti BBVA Pensions was honored with the silver award in the Digital Transformation category of the Smart-i Awards for its innovative approach to digitizing insurance sales on Garanti BBVA Mobile.