Alvaro Martin is Global Head of Data Strategy at BBVA since 2019. Previously, he was Head of Digital Regulation and Trends at BBVA. In this role, he led a multi-disciplinary team that produced insightful analysis on the regulatory aspects of digital finance. Their target audience comprised BBVA decision makers (including C-level), regulators, supervisors and industry bodies. Before joining BBVA, Mr. Martin Enriquez was a Partner and Head of Innovation and International Development at Spanish consultancy AnalistasFinancierosInternacionales (Afi). At Afi, he was responsible for international consultancy and applied economic analysis. He had a leading role in all projects related to innovation, financial inclusion and payments. In that position, he advised both private and public institutions, delivered analytic reports, held workshops and interviewed relevant stakeholders in Spain, North Africa and Latin America.