María Alvarez Caro
María Alvarez Caro
Principal Economist

María Álvarez Caro is the Chief Economist for Digital Regulation and Trends at BBVA Research. Previously she was Public Affairs and Institutional Relations Manager for Adigital (Spanish Digital Economy Association), where she was responsible for this business association’s regulatory matters. She has been part of many different commissions in the CEOE (Spanish Confederation of Business Organisations) as well as regulatory work groups at the European business association BusinessEurope. She also has professional experience in editing, having worked with the daily Expansión (on the Legal section) for eight years.

She is a visiting professor teaching the Master’s Degree in Intellectual Property Law and New Technologies at Madrid Autonomous University, and she also works with the Google Chair on Privacy, Society and Innovation at the CEU San Pablo University. She is the author of “El derecho al olvido en Internet: el nuevo paradigma de la Privacidad en la Era Digital (The right to be forgotten on the Internet: the new paradigm of Privacy in the Digital Era)” (Editorial Reus, 2015) , as well as a variety of articles in specialised legal journals.

María possesses a Bachelor’s Degree in Law from Oviedo University, an MBA from IE Business School, an LL.M. In Data Protection, Access to Information and Transparency from CEO San Pablo University, and a Master’s Degree in Institutional and Political Communication from Carlos III University of Madrid. She also holds a Doctorate in Law from CEU San Pablo University. She received the International Research Award from the the first edition of the Google Chair on Privacy, Society and Innovation (2013).

Latest publications

In this issue we will focus on: digital platforms: economic features and policy challenges; fostering a data-driven economy in the EU; licensing Fintech companies: authorities trying a balance between fostering innovation and financial stability; behavioural biometrics, a step further in digital identification; the governance of technology in the digital world
An algorithm is a sequenced series of instructions in which certain inputs are transformed into outputs; in other words a procedure for solving problems by following precise instructions. Its uses in the financial sector are varied: from enhancing the user experience and the offer of personalised services to fast, automated decision making and operating efficiency.
In this issue we will focus on: Algorithms challenge the banking industry; Does blockchain fit into current legal frameworks?; Turning the spotlight on shadow banking: pros and cons of the darkness and; The Internet of Things and digital banking