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Álvaro Martín

Alvaro Martin is Head Economist of Digital Regulation and Trends at BBVA Research. 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. Some of their work is also available to the general public.


Before joining BBVA Research, Mr. Martin Enriquez was a Partner and Head of Innovation and International Development at Spanish consultancy Analistas Financieros Internacionales (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.


Throughout his career, he has worked in numerous projects for telecoms operators, banks, private foundations, national and regional public administrations, the European Commission and the Inter-American Development Bank, among others.


Mr. Martin Enriquez holds a MSc. in Telecommunications Engineering from Universidad Politécnica de Madrid (Spain) and an Executive MBA from IESE Business School (Universidad de Navarra, Spain). He is fluent in Spanish, English and French.

Latest Publications

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The use of cash and its determinants

By , , , , , , , ,

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.

Available in English

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Digital Identity: the current state of affairs

Document Number 18/01

By ,

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.

Available in English

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Digital EAGLEs and Nest: outlook and perspectives 2016

By , , , ,

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.

Available in English

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Neobanks: rethinking financial services


The creation of neologisms is one of the consequences of the digital transformation, given the need to refer to the new concepts and structures arising as the fruit of innovation. The financial services sector is no stranger to this trend. One of the latest additions is that of the "neobanks" - but what are they and what do they offer that traditional banking does not?

Available in Spanish