Searcher
Pablo Urbiola
Pablo Urbiola
Senior Economist
Spain

Pablo Urbiola was a Senior Economist at the Digital Regulation and Trends unit of BBVA Research. His work focused on the analysis of the digital transformation of the financial sector and the implications for financial regulation and supervision. Since January 2019 he moved to Regulation and Internal Control, in the Regulation unit.

Pablo holds a double degree in Economics and Journalism from the Carlos III University of Madrid and a Master of Science in Economics from the London School of Economics and Political Science.


Latest publications

Digital transformation has opened the financial services market to new kinds of providers with great disruptive potential, including big technology companies. This article explores how the scope of that integration is conditioned by regulation, data access rules and competition policy.
Digital transformation has opened the financial services market to new kinds of providers with great disruptive potential, including big technology companies. This article explores how the scope of that integration is conditioned by regulation, data access rules and competition policy.
In just a few years the big technology companies have gone from being admired for their constant innovation, offering us new products and services, to being labelled as dangerous all-powerful giants. In the recent Davos forum, without more ado, George Soros accused Facebook and Google of being “obstacles to innovation” and a “menace to democracy”.