José Manuel is the Director of the Financial Innovation and Market Infrastructures Department. He joined the Bank of Spain in 1996 and is chair of the Working Group of Green Finance in the BIS Innovation Network and represents the Bank of Spain in the HLTF on the Digital Euro as alternate and in the CEMLA Foro Fintech.

Bank of Spain is the central bank of Spain.

This panels examines the rapidly evolving landscape of digital payments and financial infrastructure in Europe and beyond. It will explore how CBDCs like the Digital Euro compare with emerging payment solutions such as WERO, as well as traditional banking networks, fintech platforms, and blockchain-based systems. Experts will discuss the implications for consumers, businesses, privacy, security, financial sovereignty, and the future of cross-border transactions in an increasingly digital economy.