Álvaro Martín
Álvaro Martín
Lead Economist

Alvaro Martin is Head of Digital Regulation and Trends at BBVA. In his current role, he leads a multi-disciplinary team that produces insightful analysis on the regulatory aspects of digital finance. Their target audience comprises 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.

Latest publications

The digital revolution is leading to an increased use of electronic payment instruments; however, cash is still used in 79% of retail payments. This note analyses the factors driving the use of cash for payments across EU countries classified in four categories: access to cash and banking products, degree of digitalisation, macroeconomic environment and cultural factors.
In a world where the rise in the use of the Internet is increasing exponentially, the ability to prove your identity is crucial for the economic, financial and social development. Individuals and companies need identity solutions valid across different services, markets, standards and technologies.
EAGLEs and Nest countries have a strong potential to foster its digital development process in the coming years. The future of the fixed broadband adoption will be driven by EAGLEs countries and the EAGLEs Media Sentiment Digital Index has improved significantly since late 2015.