Pablo Urbiola

BBVA Regulation - Head of Digital Regulation and Trends

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

June 1, 2020

Global | From FinTech to BigTech: an evolving regulatory response

The digital transformation of financial services has opened up the market to new providers: FinTech start-ups and BigTechs. In this article, we explain how policymakers’ mindset should evolve towards a comprehensive response to ensure the financial sector remains safe, stable and open to competition.

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January 14, 2019

Digital transformation and competition in the financial sector

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.