BBVA presents a new generation banking application

The Spanish bank BBVA just lifted the veil on the new version of its mobile banking app. The latter has been reinvented on the basis of the integration of the latest technologies ofArtificial Intelligence. It promises to capitalize on technical advances to offer a more customized version of mobile customer service.

FACTS

• A new version of BBVA's mobile banking application has therefore been presented in Spain. At the heart of this renewal, the bank's promise to integrate the latest technologies of Artificial Intelligence as a new key to customizing the customer relationship.

• The entire experience has been redesigned to offer, according to BBVA, a unique version of the banking application to each customer. Artificial Intelligence thus allows you to organize the application according to the customs and habits of the customers. A new version of the virtual assistant Blue It also helps to accompany customers daily, and in natural language.

• A new financial coach is also being put forward to analyse the financial situation (through a diagnosis of income, expenditure, savings and loans) and suggest actions to be put into practice in order to improve the finances of clients.

• They will also be able to access their cards (the visual of which can be customized) or their most frequent contacts to send them a Bizum from the app home page.

• BBVA is more committed to supporting its clients in anticipating financial risks by, for example, granting certain pre-qualified customers, on the margins of its expenditure control and savings incentive tools, an overdraft of up to 300 euros to pay invoices.

• On the technical side, access to personal spaces is ensured by biometric recognition. The application is also presented as ultra reactive, six times faster than the later version.

• This new version of BBVA's mobile banking application is being deployed in Spain, and will subsequently be able to be exported to all other countries where the bank operates.

ISSUES

• Customize : The key word of the presentation of this new mobile application is that of customizing the experience. The latter goes through a very marketing service of personalization of payment cards but also covers highlighting the features most used by customers to simplify the experience to the maximum. Its conversational agent and financial coaching service must, to supplement, allow the bank's customers to benefit from ever more personalized advice.

• Facilitate use : Faced with these great promises of customisation of the customer experience, BBVA strives to highlight its means of payment to facilitate mobile payments. This strategic decision is a way for the bank to highlight Bizum's local payment solution in order to encourage usage against competitors such as Google or Apple Pay.

PERSPECTIVE

• The renewal of the application of BBVA is a direct consequence of its current position in promoting the integration of the latest technologies ofartificial intelligence in its services.

• This choice was in fact already made by the bank last February, while it was permitted its clients manage their accounts and cards via AI.

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