Expert in Open Banking, Embedded Finance, Consumer Finance, and Retail Banking. Broad and extensive international experience in Project and Program Management, Business Consulting, Application Architecture, Operations, and now Strategy. I've worked with large national and international Financial Institutions in Spain, México, Andorra, and China. Coming from a heavy background in technology and banking I'm a convinced and enthusiastic supporter of Open Banking and Embedded Finance as the next logical steps for achieving a banking without borders.