Javier Lopez Chicote

"Turn off" your card (temporarily) when you don't need it and turn it on again whenever you want. Limit online purchases, ATMs, or payments at brick and mortar stores, local or abroad.

Launching the first Mobile Wallet using HCE technology by a Financial Institution.

Improving online payment security with a new authentication process for cardholders, simplifying the entire experience using OTPs and PUSH-based authentication.

New redesigned Virtual PoS with responsive design, enabling connected merchants to adcquire payments via any kind of device or screen size.

Brand-new App that allows BBVA customers to interact with their cards easier and faster, including innovative features such us:

· Push notifications for BBVA cards. Each payment generates a digital ticket that is immediately sent to the customer at the time of the purchase.

· One-click Loan. This digital ticket includes dynamic options such as financing the purchase in monthly, quarterly, yearly, etc. installments.

· One-click Card. A new proxy card concept. This card is… Show more

Brand-new App that allows BBVA customers to interact with their cards easier and faster, including innovative features such us:

· Push notifications for BBVA cards. Each payment generates a digital ticket that is immediately sent to the customer at the time of the purchase.

· One-click Loan. This digital ticket includes dynamic options such as financing the purchase in monthly, quarterly, yearly, etc. installments.

· One-click Card. A new proxy card concept. This card is generated on the fly and can be linked to any of the existing cards (prepaid, debit or credit) or accounts, just one click away.

· Mobile Payments for non-NFC phones using the proxy card on a contactless sticker.
Show less

This project allow BBVA employees to access to the company's buildings using several methods: regular payment cards, mobile phones (with a sticker) or NFC phones using the Host Card Emulation system (HCE).

This project has been awarded in the XI Edition of the BBVA Corporate Security Awards Contest.

Creating pre-commercial experiences with a well-known MNO.

Responsible for Santander Mobile Banking channel, designing the mobile App for iPhone and iPad, the first full native mobile banking application in the UK. The bank used this App as a corporate source to extend the mobile app to other geographies such us the US.