My current position is digital analytics and cross projects manager in the Digital Banking area of Banco Santander.Previously I was Operations Manager for Digital Banking at Grupo Banco Popular. I have worked for bancopopular-e/Wizink (Grupo Banco Popular) as Coordinator and Project Manager for Digital Banking and Processes. I was Projects Area manager in bancopopular-e.com and before that, my position was Operations Manager for Consumer Finance Division. I was in the group of Mobile Banking for almost two years in the same company.I usually collaborate with several business schools and universities, as lecturer specialized in new business models, information management, digital business and new technologies.I have worked for Telefónica I+D, iSOCO and other companies, in areas related with R+D, software development and technology. I was lecturer at University Carlos III for several years and I was the technical manager in a workgroup from the project "Internet en la escuela" of the Spanish Ministry for Education and Science.I am Computer Science Engineer and I have a MBA degree, from CESMA Business School. I have some studies in data science and IT management. I have written several books.Specialties: Digital business, digital services, data management, data science, online services, IT, mobile services, banking, mobile related business and products, Telecommunications, Internet, IT