��������

Victor Royo Escosa is a seasoned professional with extensive experience in the banking and finance sectors, currently serving as the Director de Área de Negocio de Pagos y Consumo at Ibercaja since October 2007. Victor has successfully led the digital transformation of Ibercaja Banco, focusing on business and customer perspectives, and currently manages the Unidad de Estrategia Comercial. In addition to various leadership roles at Ibercaja, Victor holds several presidencies and board memberships in related companies. Victor's academic background includes multiple advanced degrees in areas such as digital transformation, fintech, and industrial engineering, enhancing expertise in managing innovative strategies within the financial services industry.