Associate (tenured) professor at CUNEF Universidad (Madrid-Spain) and Economist af Funcas Foundation. PhD. in Economics from the University of Granada (Spain). His research interests lie in Banking and Financial Intermediation. His current research agenda revolves around three main areas: digital banking, banking supervision, and the ecological transition of financial intermediaries. His research work has been published in international journals such as the Journal of Corporate Finance, Journal of Financial Stability, Journal of International Financial Markets, Institutions & Money, European Journal of Finance, Financial Innovation, Research in International Business and Finance, International Review of Economics & Finance, Plos-ONE, and Global Policy. He has been awarded the second prize for research (twice) by the FEF (Financial Studies Foundation) and the research award for the best thesis in Economics by the RADE (Royal Academy of Doctors in Spain).