BBVA is leading the digital transformation in banking in several countries in Europe and America, I work for the customer solutions department at the Headquarters in Madrid, Spain, where we coordinate the initiatives from every country of the group in order to offer great experiences that are revolutionizing the way how people understand and interact with their finances. BBVA inaugurated an AI Factory a few months a go, where data scientists, architects, engineers, business analysts and designers work together to ideate products and services to provide better opportunities to our clients based on data. At BBVA we are offering advice, servicing, digital sales and help trough our chatbots in Mexico, Spain, Colombia, Turkey and Argentina, through internal and external channels.