Enabling the Bank of the Future by Ignacio Bernal

Enabling the Bank of the FutureBig Data SpainMadrid, 17th Nov. 2016

What is BBVA

Our Challenge

The Solution

BBVA is Software

Millions of lines of code

5.5

3.5

14

45

61

85

+400

+2000

~11.000 developers

Hadron collider

BBVA is Data

2007 2012 2016 2020

0.2

0.7

2.5

>100

Total Group data storage (Petabytes)

…and of course, BBVA are more than 50MM customers

29.2Million

DownloadsAccum.

114.5Million

Monthly Access

28.1MillionUnique Visitors

What is BBVA

Our Challenge

The Solution

Regulation Digital Clients New Incumbents

Bring the Age of Opportunities to Everyone

Optimal Transaction Cost

Optimal Transaction Cost Faster Time to Market

Optimal Transaction Cost Faster Time to Market

Customer at the Core

Global Global

SW developed, deployed & maintained once, globally

Real Time Real Time

Batch-less, event-driven technology & business ops

Open Open

Enable a global ecosystem (internal and external)

Data Centric Data Centric

Platform and Products built around smart-data, not apps

AI Enabled AI-enabled

ML-led processes in search for full automation

… and starting from the opposite side

Local systems (and mindset!) with no reuse

Batch-heavy architecture, no event-based capabilities

App-centric organization with data siloed in functions

Lack of machine-learning & robotics capabilities

Still a sum of parts, rather than one global bank

What is BBVA

Our Challenge

The Solution

Global Cloud Banking Platform

BBVA Global

Platform=

New Tech Stack

New Global Infrastructure

Spain

Mexico

Turkey

Argentina

Venezuela

Global hybrid cloud deployed in 5 regions (done)

New Global Data Platform

Spain

Mexico

Turkey

Argentina

Venezuela

Lambda architecture

New Global PaaS

Spain

Mexico

Turkey

Argentina

Venezuela

Microservices architecture enabled by a global PAAS

New embedded Security Platform

Spain

Mexico

Turkey

Argentina

Venezuela

Security in the core of the platform

BBVA Global

Platform=

New TechStack

+ Inte gration

Branch ATM Call Center Digital

Service Layer

Decouple channels from backends through a global service layer

MFzOS

Global PaaS

MFzOS

Global PaaS

Real time data integration from legacy systems to the new platform

BBVA Global

Platform=

NewTechStack

+ Inte gration

+NewOp

Model

DevOps (peopleware) at the core

Everything as a service with a single API Catalog (globally)

Ubuntu-like global developer community

BBVA Global

Platform=

New TechStack

+ Inte- gration

+NewOp

Model+ Great

Talent

A great Platform needs ...

… the best Developers

Radically different approach to develop talent

An ecosystem of startups ...

… and Strategic Partnerships

With more to come...

And of course ...