Nicolas Moya

Moya Garcia-Lujan Nicolas is a professional with extensive experience in creating and developing new digital financial business, with a strong background in Digital Banking, digital marketing, Internet technologies, fintech startups, and mobile payments.

Currently serving as the Head of Innovation at Santander Consumer Finance, some notable projects under Moya's leadership include WabiCar, Akana, Coches.com, and CrediYA.

Previously, Moya held key roles such as Head of Coinc.es at Bankinter, a native digital bank, oversaw projects like Popcoin.es (a Roboadvisor) and Bankinter's Mobile Payments Program, and managed Bankinter's Digital Innovation Program.

Moya's educational background includes a Degree in Physics from Universidad Complutense de Madrid, an MBA from Universidad Europea, postgraduate studies in Innovation from Massachusetts Institute of Technology, and postgraduate studies in Business Administration from IESE Business School at the University of Navarra.

With a diverse organizational involvement, Moya has been the Head of Innovation and Multichannel at Santander Consumer Finance Europe, a Board Member at Coches.com & Autodescuento.com, a Professor at IE Business School, and held various leadership positions at Bankinter, HalCash, Universidad Internacional de La Rioja, and Telefonica.

Moya's expertise spans innovation, digital banking, mobile payments, fintech startups, and digital marketing, making them a seasoned professional in the digital financial services sector.