Born in Gandía (Valencia, Spain) in 1966. BA in Economics (Universidad de Valencia, Spain), PhD in Economics and Master in Banking and Finance (University of Wales, Bangor, UK). Professor of Economics at the University of Granada. Head of Financial Studies and Executive Director of the Observatory for Financial Digitalization at FUNCAS, an independent think tank. Formerly, he was Professor of Economics and Finance at CUNEF Business School (Madrid, Spain). He is an independent board member at Cecabank. He is Consultant to the World Bank. Member of the Group of Economic Advisers (GEA) of ESMA (European Securities and Markets Authority) and of the European Shadow Regulatory Committee (2014-2018). He has been (and in some cases still is) lead researcher and consultant for public institutions such as the European Central Bank, the European Commission, the Spanish Ministry of Science and Innovation, the Spanish Ministry of Labour, and for private institutions such as banks. Former Consultant at the Federal Reserve Bank of Chicago.
His field of expertise covers the analysis of financial intermediaries and markets, including lending and securitization technologies and the finance-growth nexus, with particular attention to SME finance. In the last few years, he has paid particular attention to new bank business channels, financial digitalization, payment systems, bank innovations and their impact on bank-customer relationships. He has written over 200 articles and other publications on the financial system. He has published articles in peer-reviewed journals such as Review of Economics and Statistics, European Economic Review, Review of Finance, Journal of Money, Credit and Banking, Journal of Corporate Finance, Journal of Financial Stability, Journal of International Money and Finance or Journal of Banking and Finance. He has given conferences, lectures and seminars at international institutions (G-20, World Bank, World Savings Banks Institute), central banks and government bodies.