Hicham Ganga
Hicham Ganga
External Partner

Hicham Ganga holds a PhD in Economics from Las Palmas de Gran Canaria University (ULPGC). He obtained a scholarship from the Canary Islands Government, which allowed him to work as a researcher in the Department of Quantitative Methods in Economics and Management for 4 years.

Previously, he studied Business Administration and Management at the National School of Commerce and Management (ENCG) in Morocco, and later obtained an official Master's Degree in Banking and Finance at the ULPGC.

During his doctoral studies he has made several stays at European level, such as at the Solvay Brussels School (Brussels). He has also worked in several national and international companies.

He participated in several congresses and conferences at the international level and published in renowned journals in the field of Economics. He is also a referee for Computational Economics Journal.

He started working in BBVA in January 2017. His research interests focus on Big Data, Insurance and predicting models among others.

Latest publications

BBVA Research proposes the creation of 3 monthly updatable indicators that help to understand the evolution of the Spanish pension system and the problems that arise. The first indicator deals with "financial sustainability (ISF)." The second indicator is "benefit rate," while the third indicator measures the public's sentiment about the system.
This paper presents econometric evidence on the determinants of domestic and cross-border e-commerce in Spain based on BBVA anonymised data. The paper applies the gravity model of trade to explain online credit card payment flows, using all private customer transactions of BBVA for Spain.
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.