Israel Hernanz
Israel Hernanz
Principal Economist

Israel Hernanz is part of Financial Systems & Regulation team at BBVA Research. He is working on early identification of structural changes that, driven by digitalization, are impacting financial services industry, interpreting its potential consequences, and supporting strategic decision making to enable digital transformation at BBVA.

Israel joined BBVA in 2007, where he has been leading projects in different units: Innovation, New Technologies, Digital Banking Strategy, and New Digital Businesses.

Before joining BBVA, he worked for Sun Microsystems and Grupo Anaya.

He holds a M.S. degree in Computer Science Engineering from Universidad Autónoma de Madrid. He also studied PhD courses at School of Telecommunications Engineering of Universidad Politécnica de Madrid.

Latest publications

In this issue we focus on: Who are the RegTechs?: characterisation of FinTech companies focused on regulatory issues; eIDAS: new framework for electronic identification and e-signatures in Europe; and open data: big data to better serve the citizens
In this issue we focus on: EU Digital Regulation Agenda: leveraging digital technologies to strengthen the Single Market; Digital onboarding of financial services: electronic identity as a key element; Internet usage in Spain: generational approach; Update on a European instant payment scheme based on credit transfers ; and Neobanks: creating a digital bank from scratch
In this issue we focus on: Internet availability in the Spanish households; Alternative Lending; Transatlantic data flows; Financial Inclusion Data; and Digital issues in the EC's work plan 2016.