The BBVA and OpenAI partnership marks a major step in AI-driven banking. After nearly two years of joint work, the two companies have launched a strategic alliance.
Importantly, they will embed AI across BBVA’s customer experience, operations, and workforce. As a result, the bank aims to deliver faster, smarter, and more personalized services.
During the signing at OpenAI’s San Francisco headquarters, BBVA Chair Carlos Torres Vila said, “We were pioneers in digital banking. Now, we’re entering the AI era with even greater ambition.” He explained that this alliance will help anticipate each client’s needs in real time.
A key advantage of the BBVA and OpenAI partnership is BBVA’s preferential access to OpenAI’s latest models and expert teams. Unlike standard vendor deals, this is a true co-creation effort.
For instance, the two companies are building an intelligent assistant for everyday financial tasks. This tool will offer contextual, proactive support—raising the bar for customer engagement.
At the same time, they will develop AI tools for relationship managers. These systems will help advisors deliver highly personalized service at scale.
Beyond customer interactions, the partnership targets internal efficiency. Specifically, BBVA and OpenAI will simplify risk analysis and software development.
One standout project is a digital “alter ego” for employees. This AI assistant learns how each person works, tracks their projects, and handles routine tasks—with their approval.
Meanwhile, BBVA is rolling out ChatGPT Enterprise to over 120,000 employees. This makes it one of the world’s largest corporate deployments of the tool.
The move follows a successful pilot with 11,000 staff. During that phase, 80% used ChatGPT daily. On average, they saved three hours per week on repetitive work.
Now, the full rollout aims to reshape how BBVA works. Ultimately, it supports a new AI-powered productivity model across the bank.
In addition, BBVA plans to integrate its services directly into ChatGPT. Already, it has demoed an app for its digital banks in Italy and Germany. Soon, customers may manage accounts through OpenAI’s assistant.
OpenAI CEO Sam Altman praised BBVA’s speed and vision. He said, “BBVA shows how a major bank can adopt AI with real ambition.” According to him, the bank will embed AI at the core of its products.
Looking ahead, the BBVA and OpenAI partnership aims to redefine banking over the next decade. By blending cutting-edge AI with financial expertise, it seeks to create real value—for customers and employees alike.
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