BBVA API Market
BBVA is a multinational group providing financial services in over 31 countries and to 50 million customers throughout the world. The banking model used by BBVA is based on four pillars that makes us different:
The combination of these four pillars generate two sources of competitive advantage: recurrent earnings in any environment and a differential structural strength.
The Group has a solid leading position in the Spanish market, where it began operating over 150 years ago. It also has leading franchises in South America, it is the main financial institution in Mexico, one of the 15 biggest banks in the United States, where it has a leading franchise in the Sunbelt region. Today BBVA employs over 109,000 people worldwide and has about a million shareholders.
BBVA defines its vision as a company with an idea: Working for a better future for people. We are working to build lasting relationships with our customers and provide maximum value to both our stakeholders and society at large with projects such as education, social entrepreneurship, research and culture. This is based on maximum levels of integrity and transparency.
BBVA has a strong corporate culture that defines the Group's life, which affects how its acts and allows it to successfully meet future challenges.
BBVA employees, through their daily relations with customers, are the brand's voice and the creators of the 'BBVA Experience'. Beyond the business relationships, of our activity in the financial sector, at BBVA we have a clear vision of working for a better future for people.
To develop this vision we established seven corporate principles that are embodied in commitments to customers, employees, shareholders and society at large and are specified in operational criteria.
The 7 corporate principles are:
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Startups and existing companies in the process of digitization need a new set of digital tools to help them transform their businesses and get more in tune with their customers' needs. If possible, they should develop frictionless systems that do not create barriers to entry for the business, as occurs with some banking solutions.
A good cash flow management ultimately leads to more informed and wise financial decision making. Keeping operations up-to-date, knowing the cash flows well and discovering where there may be inconsistencies are just some of the processes that must be carried out on a daily basis to achieve this.
Taking a customer through the entire buying process until it is formalized is an arduous journey and one that faces the constant possibility of the customer leaving. However, there are ways to make the buying decision happen if you are given facilities such as agile, secure financing.