Credit rating systems: China vs. U.S.

The United States credit rating system has taken 100 years to grow and stabilize to the current stage, driven by market forces. In contrast, the Chinese credit rating responsibility has

China’s superplatforms and ecosystems

The rapid growth of the Chinese superplatforms in financial services points to how the world is changing. Superplatform-dominated digital ecosystems have fundamentally transformed the nature of digital financial inclusion. Superplatforms

Opening the black box of artificial intelligence in financial services

  On Feb. 8, 2019, BBVA New Digital Businesses took the stage at Stanford University’s AI in Fintech Forum, part of the Advanced Financial Technologies Laboratory. José Fernández da Ponte,