From BBVA Data & Analytics to BBVA AI Factory

BBVA AI Factory

News&References, Vision&Values

Ten years ago, a group of inquiring minds at BBVA created a small innovation program to explore opportunities to exploit financial data. A decade may not seem like a long time, but when it comes to technology, it feels like time travels twice as fast. By 2011 we hadn’t yet seen a machine beat the ‘Go’ world champion in the …

Uncertainty Models and Detection of Balance Anomalies

Jose Antonio Rodriguez Serrano, Joan Llop, David Muelas and Luis Peinado

Data Processing

The development of Artificial Intelligence in the financial sector drives the creation of new data-based products, which are often linked to a new form of relationship between customers and financial institutions. In this sense, one of the main trends is related to the generation of personalized services and products that allow us to better manage our finances. The BBVA app …

Explaining the reliability of algorithms to humans

Jose Antonio Rodriguez Serrano

Data Processing

Machine learning systems have a problem: they are imperfect and can sometimes err. And we humans have a problem too: we are not yet used to working with imperfect results. In 2018, coinciding with the Football World Cup, a company ventured to forecast the probabilities of each team becoming champion -the original report is not available but you can still …

Diversity and inclusion as a policy decision

Joan Llop, Marina Arruabarrena, Víctor Rodríguez and Clara Higuera


In the science and technology sector we see an undeniable reality: there is still a shortage of women to balance the gender gap. This is an objective and, in the vast majority of companies in the sector, a fact that can be mesured. Even though at BBVA Data & Analytics we have a clear commitment to diversity and inclusion, it …

A random search at NeurIPS 2019

Pablo de Jesús Campos Viana

AI Factory was there

Last December we had the opportunity to attend the 33rd edition of NeurIPS, one of the most prestigious machine learning conferences in the world. The conference was held in Vancouver, Canada from December 8-14, and was organized with tutorials, workshops, demos, presentations and poster sessions. In this article we summarize some relevant aspects of the event. Some numbers With approximately …

What we saw in Graph Analytics in 2019

Rafael Hernández, Jose Antonio Rodriguez Serrano, Santiago Basaldúa, David Muelas and Daniel Sánchez

AI Factory Recap

As we announced in this post, the Graph Analytics Team at the AI Factory delivers graph data assets and creates an internal software library to facilitate the use of graph algorithms at BBVA. This article aims to summarize what we saw and the progress made in Graph Analytics during 2019. It can be considered as a collection of resources and …

Text categorization and tag suggestion in a single model

Pau Batlle

Data Processing

In this post, I would like to explain the topic of my work during the 2018 Internship, continuing the research I did in 2017 and explained in another post. The problem we try to solve is the joint classification and tag prediction for short texts. Tag prediction and classification This machine learning problem arises in practical applications such as categorizing …

An AI Factory team releases internal software to analyze relations

Santiago Basaldúa


A 283 year old field of mathematics founded by Leonhard Euler with his “Seven Bridges of Königsberg” problem is changing the way we tackle customer analytics at BBVA. Rather than studying clients, corporations, managers, products or ATMs as static objects with standard attributes or “labels” such as those emerging from traditional customer segmentation, this field, called Graph Theory, focuses on …

What we saw (and what we showed) at KDD 2019

Jose Antonio Rodriguez Serrano and Axel Brando

AI Factory was there

One of our first and most successful applications of machine learning to a retail financial tool included in the BBVA app is that which allows customers to know a forecast of recurring expenses and incomes for next month. Knowing what day you will receive the car insurance charge or a recurring transfer -and its amount- is key to manage your …

Agent-based default propagation: adding politics to default propagation in the economy

Jordi Nin and Elena Tomas Herruzo

Data Processing

Default propagation cannot be understood by simply looking at supplier-customer relations as a set of static nodes and edges. The politics of these relations and the information on the current environment play an important role in how a crisis will spread in the economic system. A group of data scientists at BBVA has analyzed that matter in a paper that …