Full Professor of Economics at the University of Granada (Spain). PhD in Economics (University of Granada). He is senior economist at Funcas and the Funcas Observatory of Financial Digitalization. He has been consultant and/or visiting researcher at the Universities of Modena and Bologna, as well as at the World Bank, the ECB, and the Federal Reserve Bank of Chicago. He has been a leading researcher in several national and international research projects for the European Commission, the Spanish Ministry of Science and a number of international bodies. He has been also consultant for financial institutions and payment market participants. He is vice-president of the International Banking, Economics and Finance Association. He has published articles in peer-reviewed journals such as The Review of Economics and Statistics, Nature-Scientific Reports, European Economic Review, Review of Finance, Journal of Money, Credit and Banking, Journal of Corporate Finance or Journal of Banking and Finance.
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