Javier Sebastián
Javier Sebastián
Regulation Senior Manager

Javier Sebastián was part of the Digital Regulation and Trends unit of BBVA Research. Since January 2019 he joined Regulation and Internal Control in the Regulation unit, and since September 2019 he has been a member of the Data Strategy Discipline. His main functions throughout his career have been related to the identification and analysis of trends in the field of the Digital Economy, and the realization of potential future scenarios based on the impact that these trends may have on both business models and regulation. He is also a recognized expert on Blockchain and crypto-assets, and has been part of the EU Blockchain Observatory and Forum's group of experts for the last two years.

Previously, Javier was Senior Manager in several consulting companies such as Coopers & Lybrand, Ernst & Young and Capgemini. During this period he collaborated intensively with BBVA in aspects related to Innovation Management and Trend Analysis in Science and Technology.

Javier holds a degree in Astrophysics from the Complutense University of Madrid. He has worked as a lecturer at the IEB (Instituto de Estudios Bursátiles) and IE (Instituto de Empresa).

Latest publications

The debate on Central Bank Digital Currencies (CBDCs) was triggered by the emergence of cryptocurrencies like Bitcoin on the one hand, which may compete with traditional central bank money, and the trend towards the disappearance of cash in some countries on the other hand.
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.