Spain: BBVA, Caixa Bank, Imagin Bank, ING Spain, Santander confirmed in D-Rating’s 2022 notation


Over the next few days, D-Rating will begin field-tests for its third digital performance ratingcampaign for Spanish banks. Mystery shoppers commissioned by D-Rating will begin testing the customer journeys offered by the mobile apps and websites of the surveyed institutions, and data collection by D-Rating’s analysts and bots will continue throughout the fall. In the end, the rating will cover more than 800 criteria. It will be finalized in the early days of 2023.

Given the quality of their performance in 2021, it has already been decided to renew the rating of Banco Santander, BBVA, Caixa Bank, Imagin Bank, ING Spain.

The other banks to be reviewed in 2021 are currently under review by D-Rating analysts or indiscussion with underwriters: Abanca, Banco Sabadell, Bankinter, Evo Banco, Open Bank andOrange Bank Spain.


Six main domains for Methodology’s adjustments

This is also the final stage of the R&D work we have been carrying out over the spring. We have retained six main topics on which we plan to enrich our rating:

ESG issues (alerting, educational messages, help to investments’ decisions…),


Trading / securities account,

Open Banking,

Beyond banking / super app issues

UX/UI aspects (ease of use, navigation, disabled persons accessibility…)

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