BBVA Sets New Standards in AI-Driven Banking and Financial Health Solutions

BBVA Earns Top Honors for AI Strategy and Innovation in Finance

BBVA has been named the best bank in Spain for its artificial intelligence strategy, both internally and in customer-facing financial solutions. This recognition comes from the first edition of the Global Finance AI in Finance Awards. Additionally, BBVA’s income forecasting tool was declared the leading AI risk management solution in Mexico and Latin America.

Innovative Financial Health Features in BBVA’s App

Global Finance highlighted BBVA’s mobile app for its advanced financial health features tailored to retail customers. These features leverage neural networks, natural language processing, and machine learning to assist users in managing savings and investments, tracking expenses, and forecasting future costs.

Customers who use these AI-driven tools have seen their savings grow significantly—by 11% in Spain and up to 20% in Mexico—compared to those who don't use them. This measurable impact underscores the practical value of integrating AI into everyday financial management.

Other Award-Winning AI Services

• Blue Virtual Assistant: The latest version supports natural language interaction, offers personalized financial advice, and handles over 150 types of queries and transactions.
• Carbon Footprint Calculator: This tool helps individuals and businesses assess and reduce their environmental impact, promoting a more sustainable energy transition.

Strategic AI Initiatives and Collaborations

Global Finance also recognized BBVA’s strategic moves, including the expansion of BBVA AI Factory to Mexico and Turkey. The bank’s partnership with OpenAI enables more than 11,000 employees to use ChatGPT Enterprise, boosting internal productivity by saving nearly three hours weekly on routine tasks. This efficiency gain enhances customer service quality.

More than 1,500 use cases have been identified through this collaboration, demonstrating the broad potential of AI technologies across banking operations.

Supporting Customer Managers with AI Tools

BBVA is also developing AI-powered tools to aid customer managers in serving both individual and business clients. The initial rollout focuses on providing managers with intuitive access to the bank’s full product and service portfolio, enabling faster and more accurate responses to customer needs.

Antonio Bravo, BBVA’s Global Head of Data, said the award confirms the bank’s leadership in using AI as a strategic tool that delivers tangible benefits to customers, employees, and society.

Best AI Risk Management Tool: Income Prediction Model

Global Finance awarded BBVA’s income predictor as the top AI risk management solution in Mexico and Latin America. This model, developed jointly by BBVA’s Global Risk Management and AI Factory teams in Mexico, employs advanced analytics to assess extensive transaction networks and estimate customer income precisely.

This capability allows BBVA to tailor credit products in line with each customer’s true financial capacity, reducing over-indebtedness risks and supporting financial inclusion. The income predictor is fully integrated into BBVA Mexico’s credit approval and monitoring systems, enhancing both customer financial health and operational efficiency.