CTO of Santander Universities and Universia Holding (Santander Group) since 2019. Former Global Venture Architect at BBVA-NDB in the areas of Venture Building, Open Platform, Banking as a Service and Applied Innovation. Professor in Programs and Masters of Artificial Intelligence, Blockchain & DeFi, Innovation Management and Complex Problem Solving, in addition to collaborating in different forums and technological organizations. Co-author of WealthTech Book.