The creation model is the way the BBVA Group works to create amazing experiences for its customers. As the way customers engage with the bank evolves, so does BBVA, anticipating their needs. It’s a development model that involves designers, software engineers, data analysis experts, banking experts… all focused on delivering solutions for customers within nine months.

Users of the Catalonia-based platform exchange their homes, a service they can access by invitation only, and in which money is not the important thing. The only requirement is to have a creative home.

BBVA is leading the pack in terms of technology applied to finance - from electronic payments in day-to-day transactions with BBVA Wallet, to big data management. But on the horizon has appeared the (pen)ultimate frontier that banks will need to cross, one that has a sci-fi ring to it: the robotization of banking activities.

The Internet of Things is today a reality. Apart from the benefits it can provide to companies, the IoT will become a powerful tool in the fight for citizen security, given its many possible uses.

Garanti’s mobile banking app was distinguished with the Efma and SAP Special Award for its digital proposal and value added services for its customers.

The European Commission’s Fintech Task Force held its first conference in Brussels. BBVA was the only incumbent bank invited to the meeting where the Group’s contribution to promoting digital financial services was recognized.

The magazine Compromiso Empresarial has chosen the BBVA Microfinance Foundation‘s gaming tool for team management as one of the 10 most innovative social initiatives in 2016. This is the fifth edition of this ranking, compiled with the collaboration of CAF- Development Bank of Latin America, which received 350 project submissions from Latin America and Spain.

The rules of the game are changing more and more quickly. Some authors refer to this period of change as the Fourth Industrial Revolution (Klaus Schwab, Debate 2016) with “growing harmonization and integration of many different disciplines and discoveries” that affect both the physical world (autonomous vehicles, 3D printing, robotics, etc.) and the digital world (Internet of Things, blockchain, etc.).

There are around 170,000 small and medium sized enterprises (SMEs) in Uruguay. They create more than 60% of jobs and are responsible for more than 40% of the industrial, trade and services sectors’ production. The importance of this sector for the country’s economy has led BBVA Uruguay to join the regional project 'Camino al éxito' ('The Road to Success'), a program integrated in the BBVA Group’s Responsible Business Plan. The main goal is to increase the number of SME customers.

Microscopic like a bacterium or soft like a jellyfish, the robots of the future will no longer be stiff emotionless metal monsters. This new generation of machines, biodegradable and capable of interacting with the human body, will help us conquer planets, repair the environment, or cure illnesses.