BBVA launches AI-powered app with personal financial coach and smarter banking features

BBVA Upgrades Mobile App with AI and Virtual Financial Coach

BBVA has introduced a major update to its mobile app, focusing on faster responses and greater personalisation through artificial intelligence. The new features aim to give users more control over how they interact with their finances on the app.

AI-Powered Personalisation and Virtual Assistant

The app now leverages AI to allow each customer to customize their experience based on individual financial preferences. The updated virtual assistant, known as Blue, can answer questions using natural language, making interactions smoother and more intuitive.

Introducing the Financial Coach

A key addition is the virtual financial coach, which evaluates a user’s income, expenses, savings, and loans to offer tailored advice. It highlights opportunities to improve financial health by suggesting savings goals or cost control targets. Users decide whether to adopt these recommendations.

The coach also recommends saving tools and expense reduction methods categorized by spending habits, helping users manage their money more effectively.

Additional Features for Financial Management

• Direct access to cards and Bizum for instant wallet-based payments
• Ability to anticipate upcoming bills for better cash flow management
• A selection of investment funds to diversify portfolios
• A digital piggy bank to set aside savings for specific goals

BBVA’s CEO, Onur Genç, highlighted that 2025 will mark a new strategic phase focused on embedding customer perspectives deeply into their services. The updated app reflects this approach by providing a unique version for every user.

For finance professionals interested in how AI is reshaping banking tools, this update from BBVA is a practical example of technology improving user experience and financial decision-making.