# BBVA: AI agents, dated Source: https://www.bankingnewsai.com/banks/bbva/ai-agents Record last changed: Nov 1, 2026 7 dated AI-agent moves from Apr 30, 2026 to Oct 29, 2026; 2 agent use cases on the profile, 0 in production. Strategy page: https://www.bankingnewsai.com/banks/bbva ## Agent use cases | Use case | Stage | What it does | |---|---|---| | **'The Frame' agent framework** | Rolling out | Common standard to create, deploy, manage and govern agents: defined system and data access, action limits, human-oversight points, performance monitoring and cost and business-impact measurement. | | **AI-agent payments with Visa** | Pilot | A live agent-initiated card purchase used tokenisation, real-time fraud monitoring and passkeys; BBVA says it is exploring how to deliver such experiences at scale. | ## Timeline ### Oct 2026 | Date | Move | Stage | Source | |---|---|---|---| | 2026-10-29 | **Q3 2026 results: AI-driven transformation and The Frame** BBVA's results release says the bank is progressing on its strategic plan with a particular focus on AI-driven transformation, and that The Frame will accelerate it; per MarketBeat on Yahoo Finance, management said a voice assistant reached close to a 90% successful-resolution rate in pilot interactions and some AI agents cut preparation time for certain enterprise risk financial programmes by as much as 30%. | Pilot | [BBVA newsroom, Oct 29, 2026](https://bbva.com/en/economy-and-finance/earnings-3q2026) | | 2026-10-21 | **NVIDIA OpenShell collaboration on AI agent security** BBVA says it will work with NVIDIA to explore the OpenShell Reference Architecture for AI agent safety, security and governance, as part of scaling agents across the organisation; Global CSO Valentín Sánchez says expanding agents makes their security a priority. | Announced | [BBVA newsroom, Oct 21, 2026](https://bbva.com/en/innovation/bbva-explores-new-approaches-to-ai-agent-security-with-nvidia) | | 2026-10-13 | **First European bank to join the Poppy agent protocol** BBVA becomes a design partner in the Sierra AI and Meta draft protocol that lets users authorise AI agents to act with companies; no BBVA service or date is announced. | Announced | [BBVA newsroom, Oct 13, 2026](https://www.bbva.com/en/innovation/bbva-helps-design-a-common-protocol-led-by-sierra-ai-and-meta-to-connect-ai-agents-with-businesses/) | | 2026-10-06 | **Strategic Talks #2: 'The Frame' presented to investors** Torres Vila, Bravo and Casas present the agent framework; BBVA reports assistants filtering over half of relationship-manager conversations in Spain, voice agents resolving close to 90% of interactions in pilots in Peru and Mexico, developer productivity up about 28%, and plans to roll Blue out to customers gradually in 2027. | Rolling out | [BBVA newsroom, Oct 6, 2026](https://www.bbva.com/en/innovation/bbva-creates-a-model-to-scale-ai-across-the-group-and-drive-its-customer-centric-transformation/) | ### Jul 2026 | Date | Move | Stage | Source | |---|---|---|---| | 2026-07-30 | **Q2 results release names 'The Frame'** The release says the bank has eight AI initiatives and a global framework, 'The Frame', to industrialise the creation, deployment, management and governance of AI agents at scale; on the call Genç adds that more than 100,000 colleagues actively use AI. | Rolling out | [BBVA newsroom, Jul 30, 2026](https://bbva.com/en/economy-and-finance/earnings-2q2026) | | 2026-07-02 | **First AI-agent-initiated card payment with Visa** A live agentic-commerce transaction with real card credentials and an active merchant in Spain, using Visa Intelligent Commerce and Payment Passkeys for strong customer authentication. | Announced | [BBVA newsroom, Jul 2, 2026](https://bbva.com/en/innovation/bbva-completes-its-first-ai-agent-initiated-transaction-together-with-visa) | ### Apr 2026 | Date | Move | Stage | Source | |---|---|---|---| | 2026-04-30 | **Q1 2026 call: from eight initiatives to industrialising AI agents** Genç says BBVA is moving towards 'a truly AI-driven bank' by industrialising the creation, governance and operation of AI agents at scale, and that early results are promising; the Q1 release repeats the point. | Announced | [BBVA newsroom, Apr 30, 2026](https://bbva.com/en/economy-and-finance/earnings-1q2026) | ## Outside AI agents (agent access tracker) | Agent | Relation | Since | Quote | Source | |---|---|---|---|---| | Visa Intelligent Commerce | Partnered | 2026-07-02 | "BBVA has completed a transaction initiated by an artificial intelligence agent on behalf of a cardholder, as part of a live agentic commerce activity that Visa is developing in Europe under its Visa Agentic Ready programme." | [BBVA](https://www.bbva.com/en/innovation/bbva-completes-its-first-ai-agent-initiated-transaction-together-with-visa) | | OpenAI ChatGPT (Instant Checkout, apps) | Partnered | 2026-02-24 | "BBVA is making its conversational application available to ChatGPT users, allowing them to directly access information about the bank’s products and services in Italy and Germany right from the assistant." | [BBVA](https://www.bbva.com/en/innovation/bbvas-app-is-now-available-on-chatgpt-in-germany-and-italy) | All banks and agents: https://www.bankingnewsai.com/agentic-banking/agent-access --- Canonical page: https://www.bankingnewsai.com/banks/bbva/ai-agents Part of [BankingNewsAI](https://www.bankingnewsai.com/). Every row is a dated, sourced entry on a bank profile on this site; the stage is the one the bank describes. Index of Markdown pages: https://www.bankingnewsai.com/llms.txt.