Héctor Arias is the global lead for retail banking at Red Hat. He has more than 20 years of experience within the banking sector, leading business strategy, open banking, digital transformation, and new digital businesses initiatives for Banco Bilbao Vizcaya Argentaria (BBVA) in several countries spanning the EU, U.S., and LATAM. He works with banks globally, strategizing and planning the next-generation platform that supports technology-driven business models.