Javier Sebastián
Javier Sebastián
Regulation Senior Manager

Javier Sebastián was part of the Digital Regulation and Trends unit. Since January 2019 he moved to Regulation and Internal Control, in the Regulation unit. His main functions are the identification and analysis of trends in the Digital Economy arena, and the depiction of potential future scenarios based on the impact of these trends on current and future business models and regulation as well.

Previously, Javier was a Senior Manager in a number of consultancy firms like Coopers&Lybrand, Ernst&Young and Capgemini. During this period he intensively collaborated with BBVA in topics related to Innovation Management and Science and Technology Trends Analysis.

Javier holds a degree of BS in Astrophysics from the Universidad Complutense de Madrid. Currently he collaborates as a professor at the IEB (Instituto de Estudios Bursátiles).

Latest publications

It is no secret that 2018 is proving to be a difficult year for the value of cryptocurrencies. After reaching a maximum historic value at the beginning of January, with an aggregate theoretical market value of $814,000 million, the price of almost all of them has collapsed, losing up to 75% of their maximum level. Are we facing the end of cryptocurrencies?
The ability to anticipate disruptive changes is key to business survival. Although it is impossible to predict the future, forecasting methods and techniques can help to identify such changes early on. BBVA Research has developed a methodology to spot potential future scenarios for the financial industry so that it can serve as a tool to support strategic decision-making.
We identified the most relevant factors for the implementation of a CBDC in LatAm, under different designs. We concluded that the region could benefit more from the adoption of a CBDC than developed countries. However, the existence of costs associated with implementation casts uncertainty on where it will be adopted first.