Mobile banking stands out as a leading channel in today’s financial landscape. At a major bank like BBVA, the majority of consumer transactions can be completed directly through the mobile app, illustrating a shift toward digital convenience. In the Valencian Community, a sizable portion of residents with bank accounts already rely on digital channels to manage their finances, reflecting a broader trend toward online and mobile access across Spain.
BBVA’s practice in Spain has repeatedly earned global recognition for excellence. A dedicated team works behind the scenes to ensure the app delivers reliable, user-friendly banking experiences. Notably, Spain saw the launch of the first mobile feature that enables payments from other bank accounts, underscoring BBVA’s role in advancing interoperability. In 2020, the bank introduced the virtual assistant Blue, designed to support users through a wide range of operations within the BBVA app, enhancing user assistance and efficiency.
Nevertheless, banking remains a people-centric service. Consumers increasingly want digital capability paired with human guidance. They value the ability to perform transactions online while receiving thoughtful, personalized support when decisions involve money management. For more complex needs such as mortgages or investment strategy, personal attention continues to be essential, whether delivered in person or through expert advice in branches.
In Spain, financial institutions operate through an extensive network of physical offices and cash access points. The banking sector sustains a nationwide network of thousands of offices and tens of thousands of ATMs, providing essential services like cash deposits, withdrawals, bill payments, and transfers. Within this ecosystem, BBVA contributes a substantial portion of the network, supporting varied transactions and enabling convenient access to financial services across communities.
