Searcher
Jesus Lozano
Jesus Lozano
Senior Economist
Spain

Jesús Lozano was Senior Economist on Digital Regulation and Trends at BBVA Research. Since January 2019 he moved to Regulation and Internal Control, in the Regulation unit. He joined BBVA in 2001, where he has carried out various tasks related to cross-border operations, clearing services, operational change and regulations impact on IT.

Since 2008, he has been specially linked to the implementation of the Single Euro Payments Area (SEPA), taking part in internal projects and interbank groups, such as the European group which developed the standard on Euro Instant Payments in 2016.

Currently he is devoted to the analysis of trends and regulation issues on payments, artificial intelligence, cloud computing and cybersecurity.

Jesús holds a degree on Economics with Specialization in Economic Analysis from Universidad de Zaragoza, a Master in Data Management and Technological Innovation from OBS Business School and a Universitary Expert Course on Data Science from Universidad Internacional de La Rioja.


Latest publications

FinTech is gaining momentum in financial services due to the important role of technology in reshaping the Financial System. In order to identify the dynamics created by the FinTech ecosystem, we analyse data from the media and social networks.
Autumn is traditionally the season when payments become a central topic in banking conversations. One of the main reasons for that is SIBOS, the global event organised by SWIFT that once a year gathers payment experts and financial companies at a different venue to talk about recent and next breakthroughs and trends that will shape the payments industry in the coming years
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.