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Corporate information

Bankia appoints Gorka Díaz de Orbe as Information Security Director

He will be responsible for managing cyber risk and technological fraud, within the Corporate Directorate for Strategy and Innovations, headed by Ignacio Cea.

Communication Bankia

By  Communication Bankia

Publish on 
05 September 2018 - 11:00

  • He will be responsible for managing cyber risk and technological fraud with the aim of ensuring the security of the bank’s customers and shareholders

Gorka Díaz de Orbe has been appointed as the bank’s new Information Security Director, within the Corporate Directorate for Strategy and Innovations, headed by Ignacio Cea. He will therefore be responsible for managing cyber risk and technological fraud.

The bank’s new Information Security Director will be replacing Vicente Moscardó, who has taken early retirement and who the bank wants to thank for his work, professionalism and dedication.

Díaz de Orbe will be working on designing business strategies implementing technologies that ensure the confidentiality of the information handled, as well as defining policies that guarantee compliance with legislation and regulations in this field.

Gorka is a senior engineer in Computer Science by the Pontifical University of Comillas (ICAI) and has been working since 2014 for AXA as their Information Security manager at both local and global levels, where he led the design and implementation of strategies for managing cyber risk up until last July.

In addition, Gorka has prior experience in other multinational companies and consultancy firms such as PwC, where he specialised in managing cyber risk.

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Ignacio Cea, Bankia's corporate director of Innovation and Cybersecurity.

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XXVI Meeting of the Financial Industry

Bankia is committed to Artificial Intelligence to offer products and services tailored to customer needs

The corporate director of Innovation and Cybersecurity of Bankia, Ignacio Cea, said that the technology is a strategic element for the entity, which has Bankia Fintech by Innsomnia, to pass directly on customers.

Communication Bankia

By  Communication Bankia

Publish on 
09 May 2019 - 15:15

  • Ignacio Cea, Corporate Director of Innovation and Cybersecurity of Bankia, has participated in the XXVI Meeting of the Financial Industry
  • The entity has Bankia Fintech by Innsomnia, the largest startup accelerator in Spain, whose participating starups "help the bank's digital transformation".

Bankia's corporate director of Innovation and Cybersecurity, Ignacio Cea, said that the bank is making a firm commitment to Artificial Intelligence in its processes as an instrument to offer its customers the products and services that best meet their needs.

This is what Cea said during its participation in a round table on new business models and new technologies within the framework of the XXVI Meeting of the Financial Industry, organized by Deloitte and ABC.

"In banking, we do not have technological differences with any other industry, we are up-to-date in technology solutions, but it is true that we carry a legacy that, at times, makes our responses go somewhat slower than we would like", he underlined.

In this regard, Cea explained that artificial intelligence is the technology "that is really changing the rules of the game and, at Bankia, we are betting on this with the aim of improving our service for customers".

Artificial intelligence, according to the Corporate Director of Innovation and Cybersecurity, relies on cloud computing and big data. Cloud computing facilitates cost escalation and reduces costs for entities by not having to integrate all the information in their data centres. And big data means making the most of the data in order to be able to provide customers with products and services tailored to their needs.

"Technology is a very important piece and it should help us gauge our capacity to respond to our customers and use this data to create products and services and bring them to customers as needed", he said.

Regarding fintech, Cea pointed out that Bankia has a great interest in these companies "because they are fresh and agile and can improve our services because they complement us". However, "banks have something that fintech does not: massive scale and a large number of customers".

Cea pointed out that the bank has Bankia Fintech by Innsomnia, the largest startup accelerator in Spain, with so fintech can "help us accelerate our digital transformation". "Our strategy is to collaborate with these companies but not enter their capital", he added.

Finally, Cea stated that "banks must focus on what we know how to do correctly, which is to manage risk, lend money, offer financing and, in parallel, innovate and generate new calculation models to reach our customers and offer them what they need when they need it".

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Felix Uriarte, Bankia's Digital Banking manager

Corporate information

Bankia has received an award to innovation in digital payment methods

The bank is recognized for its clear commitment to technology and for helping its digital customers, which is one of the key strategies in the development of the bank.

Communication Bankia

By  Communication Bankia

Publish on 
08 May 2019 - 18:30

  • The entity has been recognized in the category of 'Finance and Insurance', as a company that with its products and services helps to innovate
  • The bank offers its customers the ability to pay through all the available digital platforms: Apple Pay, Samsung Pay, Google Pay, Bizum and PayPal

Bankia has been awarded by 'Actualidad Económica' magazine for the development and innovation of digital payment methods, having become the first bank in Spain to have all the methods of payment available in the market. The award was received by Bankia's Digital Banking manager, Felix Uriarte.

The entity has received an award in the 'Finance and Insurance' category during the 41st Edition of the '100 Best Ideas of the Year' awards. These awards recognise companies that, with their products and services, help to innovate and transform the market.

Specifically, the magazine has assessed Bankia's commitment to technology and to being the first bank to offer its customers the ability to pay through all the available digital platforms: Apple Pay, Samsung Pay, Google Pay, Bizum and PayPal.

Bankia will have more than 5 million digital customers in 2020, after increasing its base by two million new customers. Thus, more than 65% of the bank's customers will have a digital profile and over 35% of purchases will be made through these channels.

As regards the multi-platform strategy, sales at Bankia's digital channels reached 23.5% of total sales at the end of the first quarter of 2019, while digital customers increased by 586,000 compared to March 2018.

At the end of last year, Bankia launched an advertising campaign in cinemas, television, radio and social media with the following message: 'Don't use cash. Because only at Bankia customers can pay with all digital platforms easily and securely'.

 

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The president of Bankia, José Ignacio Goirigolzarri, during his inaugural speech at Forinvest in Valencia.

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At the inaugural speech of Forinvest in Valencia

Goirigolzarri: "Our goal is to turn Bankia into the preferred bank in Spain"

To achieve this, Bankia has "customer satisfaction, an excellent corporate governance, a permanent vocation of service to society and absolute respect for our principles and values".

Communication Bankia

By  Communication Bankia

Publish on 
05 March 2019 - 13:30

  • The president of Bankia highlighted, at the main financial forum of the country, the importance of customer satisfaction, the permanent vocation of service to society, excellent corporate governance and the "absolute respect for principles and values" required to achieve this goal
  • Goirigolzarri claimed that "we must be aware of and deal with" the reputation of banking and argued that "Bankia is possibly the best example of the recovery of the financial system"
  • "Valencia is our home, we were born here and here we have our headquarters since the beginning" he said.

The president of Bankia, José Ignacio Goirigolzarri, has assured that the objective of the financial institution is "to be the preferred bank in Spain" and that, to achieve this, Bankia has "customer satisfaction, an excellent corporate governance, a permanent vocation of service to society and absolute respect for our principles and values".

Goirigolzarri has inaugurated the twelfth edition of the Forinvest fair, which is being held today and tomorrow at the Valencia Fair, with a conference entitled 'Bankia against the challenges of the financial system'.

"In the main financial forum of our country", he pointed out that, strategically, the companies that overcome the challenges of the future will be those that "give a high quality response in virtual relations with their customers, promoting digital practices to protect data privacy” and that, at the same time, are capable of "accommodating their traditional distribution network so that it complements a multi-channel approach and is a source of competitive advantages".

The great challenges of the financial sector

The president of Bankia underlined in the course of his speech that "the two great challenges" of the Spanish economy in the medium and long term are the high level of unemployment and the level of public debt.

In addition, he pointed out that the financial industry faces three major challenges: reputation, profitability and the strategic challenge derived from the change of habits of its customers due to the emergence of new technologies.

With regard to reputation, Goirigolzarri stressed that "the financial system is key to the future of society" and has admitted that, in 2012, it was the main economic problem in Spain, but that it has carried out "a very significant restructuring and transformation process". "While it is true that the bailout received made it solvent and guaranteed the safety of the customers and the system, it was not a guarantee of its viability in the long term", he pointed out.

"The savings of the depositors were rescued, but the bank, employees and shareholders have undergone a profound restructuring process", he explained, assuring that "it has led it to a 40% decrease in offices and a similar decrease in workforce, about 80,000 people". In this regard, Goirigolzarri argued that "Bankia is possibly the best example of the recovery of the financial system".

The president of Bankia stressed that he has "always" considered reputation to be "highly important". "We must not only be aware of, but also deal with what society is asking of us because it is evident that society is very disappointed with the operation of the financial system during the crisis", he acknowledged.

On the opening day of Forinvest, Goirigolzarri stressed the importance of having "excellent corporate governance practices" and insisted that "the sustainability of a project lies in society finding it useful" and "wanting us to exist".

In addition, the president of Bankia has mentioned profitability as one of the great challenges faced by the financial industry. "Without adequate profitability, which must be higher than the capital cost, the bank will be unable to attract investors and, therefore, finance the economy", he warned, and mentioned negative interest rates as a cause of low profitability along with the continuous deleveraging of families and businesses.

Lastly, Goirigolzarri pointed out that banking faces a "very important" strategic challenge derived from the change in customers' habits and that "it is boosted by a technological revolution".

However, he stated that he sees this technological change "as a great opportunity" and not "as a great threat" along with the fact that there are new competitors due to the rise of new technologies. "Technology is a weapon that should allow us to improve service to our customers," he remarked.

Bankia Fintech by Innsomnia in Valencia

Goirigolzarri pointed out that Bankia's strategy regarding new competitors is "collaboration and alliance" and that, for this reason, it created Bankia Fintech by Innsomnia in La Marina de Valencia, with the aim of incubating and accelerating national and international startups. He explained that, in two and a half years, it has received more than 300 startup applications from which the entity has selected 47, with 60% of which it has signed a collaboration agreement.

The president of Bankia also stressed that Valencia is "a very important region" for the entity. "It's our home, we were born here as a bank, and here we have our headquarters since the beginning", he said, and highlighted its "great importance from a business perspective."

In this line, he acknowledged that the fact of having 1.6 million Valencian customers, more than 60,000 companies working with the entity in the Community of Valencia and having a 19% market share in the province of Valencia entails a "great responsibility".

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Committed to innovative payment solutions for companies

Bankia launches Waiap to lead digital payments in stores in Spain

Among the new functionalities that will be available to businesses that use this application, are the graphics on sales evolution or know what means of payment are the most used by customers.

Communication Bankia

By  Communication Bankia

Publish on 
07 May 2019 - 11:00

  • Waiap is a PSP ("payment service provider") aimed at businesses of any size, which focuses on achieving the best user experience ("frictionless payment") and helps them to sell more
  • It has become the payment platform for e-commerce with the highest number of payment methods in the national market
  • For the development of this platform, Bankia has reached a strategic agreement with Sipay, a leading technology company with over twenty-five years of experience developing payment solutions

Bankia, in collaboration with Sipay, has developed Waiap, its new payment platform, targeted at digital businesses of any size and aimed at improving user experience and helping businesses to sell more.

Waiap is a Payment Service Provider (PSP), fully compliant with the PSD2 regulation, which will allow businesses to offer their customers all means of payment available in the market in a simple and integrated manner.

Moreover, this new platform will integrate new means of payment and formats as they are released, such as e-wallets or social media, among others, maintaining the goal of creating commerce solutions and adapting to the trends and payment habits of consumers.

Waiap is aimed at optimising invisible payment or frictionless payment in stores, in order to improve customer experience. It also has other tools such as simplified payment formats and fraud management.

One of the new features offered by Waiap is a new management tool that displays business information in a simple manner, including graphics on the evolution of sales, returns and the payment methods used. It can also be used to manage collections in a simple and unified manner.

As a result, it is possible to see the favourite payment method of customers, percentage of sales corresponding to on-line sales or income within a date range.

According to Bankia's Digital Banking director, Félix Uriarte, "with Waiap we are taking a very important step in our digital transformation process of the services we provide to customers, just as they want from us".

For his part, the CEO and founder of Sipay, José Luis Nevado, said that "the strategic agreement carried out with Bankia allows us to make our technology available to new solutions and services whose main focus is to improve the user experience and bet on the invisibility of the payment process, fundamental pillars in our vision of the future of this industry".

With this new service with high added value for the customer, Bankia reinforces its strategy of becoming a leader in payment methods. Thus, Bankia's market share in POS terminal turnover was 12.3% at the end of 2018, while turnover increased by 15.2% last year.

For more information.

Sipay

A leading technology company specialising in the development of innovative and secure payment solutions based on the experience of both end consumers and retailers, with more than 25 years of experience in payment methods.

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CONTACT

External Communication Direction

Virginia Zafra de Llera
DIRECTOR OF EXTERNAL COMMUNICATION
vzafra@bankia.com

 

Press Relationship

Guillermo Fernández Martín
DIRECTOR OF PRESS RELATIONSHIP
gfernandezm@bankia.com

Mariano Utrilla Cortijo
mutrilla@bankia.com

Irene Rivas García
irivas@bankia.com

Belén Porras Povedano
bporras@bankia.com

María Campos Lages
mcamposla@bankia.com

María José Cabeza Calderón
jcabeza@bankia.com

 

Digital Communication

Ana Bernad Colás
DIRECTOR OF DIGITAL COMMUNICATION
abernad@bankia.com

Leticia Lucio Álvarez
llucio@bankia.com

María Navarro Caballero
mnavarro@bankia.com

   

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