When Francisco Gonzalez, who at the time was executive chairman of Spain's second-largest bank, BBVA, proclaimed in 2015 that "BBVA will be a software company in the future," it was undoubtedly met with a fair amount of skepticism. However, beginning in 2007 and continuing to today, BBVA is working diligently to achieve his vision. Here we discuss just a few of the ways BBVA uses technology to transform and get ready for the 4th industrial revolution. Even though BBVA's history dates back to 1857, the bank is firmly focused on being a disruptor in the financial industry today and into the future. BBVA is a global financial services group with operations in Spain, Mexico, South America, Turkey, and the United States.

Editor's Note: This post has been updated as of December 24, 2018. TD Bank Group is a leading Canadian bank and the sixth largest bank in North America by branches, employing more than 85,000 people. The bank provides its services to around 25 million customers, and its guiding philosophy is "legendary customer service." In short, this means that every interaction with the bank should be a memorable and enjoyable experience. Over the last five years, TD's Innovation, Technology and Shared Services team has rolled out the "Googlefication" of the business.