Digital to the Core: Remastering Leadership for Your Industry, Your Enterprise, and Yourself

by Mark Raskino

Bressan recalled another inspiring moment at the innovation center, this time with a group of his BBVA business peers. There was quite a “wow” factor the first time they could see the bank’s data creatively overlaid on a map, producing a fascinating visualization of payment patterns across a city and the changes in consumer behavior at night or at various times of day. One insight from the visualization was that a particular restaurant drew people from long distances, past many other seemingly similar restaurants. This turned out to be a very valuable finding and an indicator of “commercial health” for small businesses. That discovery led to the bank incorporating this type of data as an additional viable in its credit-scoring models.

Commercial opportunity