Adding fairness to dynamic pricing with Reinforcement Learning

Roberto Maestre and Jairo Mejía

d&a blog

Maximizing profit is a premise that has always being present in the back of the minds of every trader and salesman since the very early days of commerce; or so they thought. In reality, every actor in search for profit during an exchange of goods or services tends unconsciously to add some measure of fairness into the deal in order …

A “weird” Introduction to Deep Learning

Favio Vázquez

d&a blog

There are amazing introductions, courses and blog posts on Deep Learning. I will name some of them in the resources sections, but this is a different kind of introduction: a weird introduction. But why weird? Maybe because it won’t follow the “normal” structure of a Deep Learning post, where you start with the math, then go into the papers, the …

Artificial Intelligence will be Omnipresent in the Future

Beatriz Alonso

d&a blog

Advances in the last five years on how we gather and process data have been key to speed up the way Artificial Intelligence is used in our daily lives and how human perception itself has been augmented with the use of Artificial Intelligence. There has been great progress in image classification or object recognition, as well as numerous advances in …

Urban Discovery, a Vision to Rethink Cities

Jairo Mejía

d&a blog

Late last year Urban Discovery showcased a new way of representing cities based on purchasing behavior. This approach allowed BBVA Data & Analytics examine Madrid, Barcelona and Mexico City under a new light. The insights extracted analyzing patterns of economic behavior helped us redraw the cities beyond the traditional administrative boundaries. The visualization created by BBVA Data & Analytics and …

Designing Visions for Busy Organizations. Part II

Fabien Girardin and Israel Viadest

d&a blog

Putting Design Fiction into practice   The banking industry is facing major changes with the digitalization of its core business that impacts the management of risk, trust, identity and decision-making, among other things. As you have seen in Part I of this series of articles. At BBVA Data & Analytics, we spearhead BBVA’s transformation into a data-driven financial group. We …

Designing Visions for Busy Organizations. Part I

Fabien Girardin and Israel Viadest

d&a blog

Clarify the present with Design Fiction: Shaping and sharing tangible visions for the future   For the last few years at Near Future Laboratory and BBVA Data & Analytics, my teams and I have been focused on clarifying the present and anticipating desirable, feasible, and profitable futures for organizations. Establishing a vision, then investigating that vision through Design Fiction, we …

RecSys, a Debate on How to Widen our World and Find New Ones

Jairo Mejía

d&a blog

In BBVA Data & Analytics we believe that the future of technology has to be continually questioned, debated, and has to consider different points of view. With that philosophy, we organized this week an unconventional gathering of artists, public servants, designers and creators to explore the implications of Recommender Systems (RecSys). These Machine Learning algorithms define how our world is …

How To Have An Environment With Spark in Less Than 30 Seconds Thanks To Docker

Edgar Pérez Sampedro

d&a blog

I am sure you have ever wanted to experiment with some technology, but your eagerness to learn has been diminished by the difficulty of installing everything you need in your operating system. In this article we will explain how to start playing with spark regardless of the operating system we have and without having to go through the installation or …

Stephen Hawking, The Genius Who Saw the Potential of a Responsible Development of Artificial Intelligence

Jairo Mejía

d&a blog

Stephen Hawking (1942-2018) left this world for the stars on Pi Day, both celebrated by mathematicians and physicist all over the world. Those who read “A Brief Story of Time” and decided to explore the world through numbers and with scientific eyes are mourning the loss of a genius with a great sense of humour and ability to analyze the …

How Kitties Helped BBVA to Detect Credit Card Fraud

Jordi Nin and Jairo Mejía

d&a blog

A group of data scientist at BBVA Data & Analytics has developed a Deep Learning model that uses a novel approach to credit card fraud detection. The methodology has been applied by BBVA’s data scientists Juan Arévalo and Jordi Nin, together with Universitat Politécnica de Valencia professors Roberto Paredes and Jon Ander Gómez. It is inspired by Andrew Ng work …