Arturo Gonzalez Mac Dowell, vice-chair of the European Association of Third Party Provider
Arturo is a fintech banking expert recognized by the European financial community. He is Board Member of European Payments Council, Vice-Chairman of ETPPA (European Third Party Providers Association). Also, he represent ETPPA at the European Retail Payments Board and has a very strong commitment with the fintech industry as the Vicepresident of Asociación Española de Fintech e Insurtech (AEFI).
Arturo’s career has been marked by his role in the introduction of high-tech products and services to the financial sector. His pioneering work in financial technology has led to innovative services like electronic payments, mobile banking and electronic invoicing. Eurobits, now a part of Tink, has been offering services now classified as Account Information Service in Europe since 2004 to some of the Eurozone and LATAM top banks, making Eurobits the pioneer in this market. Eurobits is a signatory to the Future of European Fintech which has campaigned for fair access under PSD2.
Arturo in his own words: „All my professional career has pivoted around the introduction to the market of high-tech products and services for the financial sector. The evolution from technical roles to management, through project management and then sales and marketing, has allowed me to remain rooted in the basic foundations of the business.
I’ve had the opportunity to collaborate and work with fantastic professionals to help bring to the market innovative services like electronic payments, mobile banking, electronic invoicing and Account Information Services.
My main goal in life is to enjoy the ride, which is something there is plenty of in managing Eurobits. One of the achievements I am most proud of is the first Account Information Service in Europe which we have been offering through Eurobits since 2004.”
How does Arturo see the future of banking?
“The banking industry is one of the last industries that is still vertically integrated meaning that they manufacture the products and they sell them to the end user. That is very unlikely to be a sustainable model,” Arturo believes.
“What has changed massively is the psychology of the consumer. Customers no longer fear sharing their financial data with a third party just as long as that third party is bringing some value to them.”