Global, complex, and highly regulated financial services firms find it hard to innovate. With a string of digital innovations since 2008, BBVA has shown how to overcome these obstacles. BBVA’s digital executives have benefited from a strong vision and mandate from the bank’s CEO and chairman, but such support isn’t enough by itself. BBVA has continuously adjusted its innovation program, adopting a test-and-learn approach. The bank’s journey shows that it doesn’t matter where you start; what’s important is to get started and then continue to adjust your strategy. Read this report to learn how to set up and adjust your innovation program.