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Malcolm Vernon

Director of New Digital Business - BBVA

Malcolm manages European partnerships for new digital business at BBVA, and has been designing new mobile payment services for the last 14 years in Africa, Asia, Europe, and the US. Before BBVA he led mobile money ecosystem innovations in PayPal and Nokia. More recently he was involved in designing new payment services in under-developed markets, such as in Ethiopia where he designed and launched a micro-credit service for a massive agricultural transformation project. Within BBVA he is exploring how technology can change the way companies can interact with their customers, through collaborating with new financial services ecosystem partners and investigating how advanced technologies – BaaS, digital asset management, smart contracts – can create new third party channels and footprint expansion.