David Urbano
Chief Growth Officer @ imagin (CaixaBank) | 4M+ Users | Architect of Spain's #1 Mobile-Only Bank | Fintech Speaker
DU

About

David Urbano is the Chief Growth & Digital Sales Officer at imagin—CaixaBank's mobile-only bank—leading the strategy that has scaled the platform to 4M+ users, making it Spain's most awarded digital banking app. With over 20 years transforming digital banking, he founded imaginBank in 2016, pioneering Spain's first 100% mobile bank. His expertise spans Growth Strategy, User Acquisition, Product-Led Growth, and Digital Transformation, building bridges between traditional banking trust and fintech innovation.

Executive Experience

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imagin (CaixaBank)
CGO

2024 - Present
Chief Growth & Digital Sales Officer
Leading imagin's growth engine with full P&L ownership across Product, Marketing, and Performance teams. Reporting directly to CEO, driving the strategy to consolidate imagin as Spain's leading digital bank for young users. Scaled user base from 3.5M to 4M+ active users (+14% YoY). Launched AI-powered personalization driving +23% engagement. Reduced Customer Acquisition Cost (CAC) by 18%. Maintained NPS score of 72 (vs. industry average of 45). 89% user retention rate at 12 months.
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imagin (CaixaBank)
Founder

2016 - 2020
Director of imaginBank
Founded and scaled Spain's first mobile-only bank from concept to market leadership. Led the full go-to-market strategy, product development, and team building. Achieved 0 to 2M+ users in 4 years (organic growth-led strategy). #1 Mobile Banking App in Spain (App Store & Google Play rankings). Celent Model Bank Award for Innovation. Global Finance 'Best Digital Bank' nomination. Built founding team from 0 to 30+ specialists. First Spanish bank with 100% mobile onboarding (5-minute account opening). Pioneered biometric authentication in Spanish banking.
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CaixaBank

2012 - 2016
Mobile Banking and Digital Networks Director
Led the mobile banking division during the critical smartphone adoption era, building the foundation that would later become imaginBank. Launched CaixaBank's first native mobile banking apps (iOS & Android). Pioneered mobile payments integration before Apple Pay existed in Spain. Built digital networks strategy connecting physical and digital channels. Grew mobile banking users from early adopters to mainstream adoption.
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e-laCaixa (CaixaBank)

2008 - 2010
Mobile Banking Director
Early pioneer of mobile banking at CaixaBank during the pre-smartphone era. Laid the groundwork for mobile-first banking strategy. Developed first mobile banking services for feature phones. Created business case for mobile banking investment. Established mobile as strategic channel within the organization.

Education

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IESE Business School

Executive Education Program
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Universitat Politècnica de Catalunya (UPC)

Engineering / Business Studies
Innovation

Key Projects & Initiatives

Pioneering digital banking innovation for Gen Z and Millennials, transforming how young people interact with financial services.

imagin Platform

Spain's leading mobile-only bank with 4M+ users. A lifestyle platform beyond traditional banking, featuring 100% mobile onboarding (5-minute account opening), biometric authentication, gamification for financial education, and integrated lifestyle services.

Mobile Banking
Fintech
Product-Led Growth
AI Personalization
Website

Gen Z Banking Innovation

Pioneering digital banking for Gen Z and Millennials. Embedding financial services into the moments that matter to young people: their first job, studying abroad, becoming financially independent. Banking that is invisible, instant, and empowering.

User Acquisition
Retention Marketing
Customer Experience
Data-Driven Marketing
Website
Achievements

Awards & Recognition

International recognition for pioneering digital banking innovation in Spain and building one of Europe's leading mobile-only banks.

  • C

    Celent Model Bank Award

    Global Recognition

    International recognition for innovation in digital banking with imaginBank, awarded by Celent for outstanding achievement in financial services technology.
  • B

    Best Mobile Banking App in Spain

    App Store & Google Play

    imagin consistently ranked as #1 Mobile Banking App in Spain across multiple consecutive years, recognized for user experience, innovation, and customer satisfaction.
  • G

    Global Finance Best Digital Bank Nomination

    Global Finance Magazine

    Nominated for Global Finance's 'Best Digital Bank' award, recognizing imagin's innovation in the digital banking space.
  • F

    Fintech Speaker & Advisor

    International

    Available for speaking engagements on digital banking & fintech innovation, advisory roles for fintech startups and digital transformation, and conversations about the future of Gen Z finance.
Speaking

Thought Leadership

Featured in El País, La Vanguardia, and Expansión as a case study for digital banking transformation. Available for speaking engagements on fintech innovation and the future of Gen Z banking.

  • B

    Building Spain's First Mobile-Only Bank

    imagin Case Study

    Featured in El País, La Vanguardia, Expansión as a case study for digital banking transformation. From zero to 4M+ users, pioneering biometric authentication, gamification, and mobile-first experiences in Spanish banking.
Contact

Get in Touch

Interested in speaking engagements, advisory roles, or conversations about digital banking innovation?

Feel free to reach out via LinkedIn or email.

I'm always open to discussing fintech, growth strategy, and the future of Gen Z finance.

LinkedIn
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