Any questions?
BBVA today is probably more a digital company than a bank. It’s not just a question of technology. It has to do, above everything, with people, knowledge and values and culture.
In 2017 some 1,500 engineers, mathematicians, design specialists and data scientists joined BBVA. We are blending these people from the digital world with our bankers, creating a new generation of professionals. We are also working with a large number of start-ups, innovative companies increasingly integrated into the ecosystem we are creating to take advantage of talent and innovate in an open way. Work is done in a much more flexible and productive manner by project, using “agile” methodologies with multidiscipline groups that are very independent and able to come up with, design, develop and roll out a project in very little time.
BBVA is rapidly becoming a company that processes and manages data using the most advanced methodologies, converting this into knowledge. Knowledge that we give back to the customer in the form of better, simpler and more personalized experiences. We are launching in an increasingly more rapid fashion new applications and groundbreaking functions for the user. In large part, this is based on artificial intelligence to help customers take better financial decisions.
Our mobile banking application in 2017 was named by consultant Forrester as the best global banking app in the year. Forrester also gave BBVA the highest rating in Europe’s online banking business. BBVA’s Turkish bank Garanti came second.
We have reached a digital turning point. In six countries – Spain, United States, Turkey, Argentina, Chile and Venezuela – over 50% of our customers are digital. In 2018, that will be the case for more than half of the Group’s customers. And in 2019, more than 50% of our customers will be mobile customers.