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Innovation has long ceased to be optional, becoming instead a strategic necessity. In a global context marked by technological disruption, climate challenges, demographic shifts, and the fast evolution of the labor market, the companies that thrive are those that embed innovation at the core of their culture and business model.

Today, innovating is not just about incorporating technology. It is, above all, about reinventing processes, anticipating change, and providing useful, sustainable, and scalable solutions. This enables adaptation to new consumer habits, agile responses to social demands, improved resource efficiency, and stronger, more personalized relationships with customers.

In this journey, collaboration plays a key role. Truly transformative solutions emerge from open ecosystems, such as BNEW, where companies, startups, educational institutions, and public actors work together, sharing knowledge, capabilities, and purpose.

The Role of Artificial Intelligence

Among the technologies redefining various sectors, artificial intelligence stands out. From task automation to the creation of hyper-personalized products, AI is revolutionizing how businesses operate, make decisions, and interact with customers.

Generative AI, in particular, has marked a turning point. Its ability to understand natural language, synthesize information, and generate content is enabling new levels of efficiency and creativity in operational environments, customer service, data analysis, and product development.

However, for this technology to be truly useful, it must align with human needs. That’s where the most advanced companies stand out: it’s not just about adopting tools, but integrating them into a broader transformation strategy focused on positive impact for people, businesses, and society.

BBVA and Its Commitment to Innovation

BBVA is a clear example of how innovation can become a transversal axis of business activity, driving not only economic growth but also societal progress.

Throughout its history, the institution has distinguished itself by its ability to identify and seize the opportunities that major technological, social, and economic changes bring. This strategic vision has allowed it to lead the financial sector in key areas such as digitization, data intelligence, and customer experience. This has been made possible by having the scale to sustain growing investment in technology, which in 2024 alone exceeded €1 billion in Spain.

In the field of artificial intelligence, the bank has been a pioneer in adopting generative AI, extending the use of ChatGPT Enterprise in 2025 to more than 11,000 employees, and deploying Google’s Gemini across the group for over 120,000 people. These tools not only optimize internal processes but also enable faster, more efficient, and personalized customer service.

Furthermore, BBVA has integrated AI into strategic channels like its mobile app—with a new version offering a 100% user-adapted experience—and its digital virtual assistant, capable of resolving complex queries instantly, thereby improving accessibility, convenience, and customer relationships.

Supporting Others in Their Transformation

Beyond its internal transformation, the institution is helping SMEs and companies move toward more sustainable and digitalized models. Its approach combines specialized financing with technical advice, aid application processing, and partnerships with strategic allies.

In the field of energy transition, for example, the bank offers turnkey services ranging from solar self-consumption to energy efficiency and sustainable mobility. One of its standout solutions is charging station leasing, allowing companies to electrify their fleets without upfront investment, supported by technical assistance and updated models.

This support is particularly important for SMEs, where technological innovation is essential to face future challenges and remain competitive. This is where BBVA makes a difference—helping companies turn each change into an opportunity to take their projects further.