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.