Will Open Finance Democratize Banking? | Jose Luis Navarro

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Open banking is evolving faster than most traditional banks can keep up with — so where should they even start? In this episode, Jose Luis Navarro Llorens, Strategy lead for Open Banking at BBVA, breaks down what open banking, open finance, and embedded finance really mean for the future of the financial industry.

⏱️ Chapters:
0:00 Introduction
9:13 Why open banking is more than just screen scraping
14:35 Where traditional banks should begin amid rapid open banking evolution
18:19 How embedded finance and open banking are redefining entire industries
21:46 Will open finance be remembered as what democratized financial services?
24:19 Open banking and open finance exist to serve the customer

About the guest:
Jose Luis Navarro Llorens leads Open Banking Strategy at BBVA, one of the world's most innovative global banks. With deep expertise in open finance and embedded finance, he shares an insider's perspective on how traditional banks can adapt and thrive in an API-driven financial ecosystem.
Connect with Jose Luis Navarro Llorens on LinkedIn: https://www.linkedin.com/in/jose-luis-navarro-llorens/

This conversation dives deep into open banking, open finance, and embedded finance trends shaping the future of banking innovation. Whether you're a fintech founder, banking executive, or PE/VC professional tracking payments and financial technology disruption, this episode offers a first-hand look at how BBVA is navigating the shift toward customer-centric open finance.

#OpenBanking #OpenFinance #EmbeddedFinance #Fintech #BankingInnovation

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