{
  "id": 1976916,
  "title": "Fintonic ficha en Santander a su nuevo consejero delegado",
  "url": "https://urgent.news/2026/08/19/fintonic-ficha-en-santander-a-su-nuevo-consejero-delegado",
  "topic": "business",
  "section": "Business",
  "published": "2026-08-19T16:44:29.000Z",
  "source": {
    "name": "Expansion ES",
    "slug": "expansion-es",
    "url": "https://www.expansion.com/empresas/banca/2026/08/19/6a85dd16468aeb7a048b4576.html"
  },
  "original_language": "es",
  "account": "Fintonic, a pioneering Spanish fintech specializing in consumer loan financing, has appointed Eneko Fonseca as its new Chief Executive Officer, replacing Armando Baquero. Fonseca, who previously served as the Director General of Autocompara, a leading insurance comparison marketplace in Latin America powered by Santander, will oversee the company's executive leadership. Prior to Autocompara, Fonseca held various director positions at Santander's business in South America and gained experience through McKinsey & Company.\n\nBaquero, who took over as Fintonic's CEO less than a year ago, remains connected to the project as a strategic representative to Square One Group, the institutional investor leading Fintonic's shareholder base. Since its founding in 2012, Fintonic restructured its business last year by closing operations in Mexico and Chile, focusing on Spain. The company became profitable for the first time last summer.\n\nFintech innovation is a key priority for Fintonic, with the recent launch of a personal loan simulation application integrated with ChatGPT. The company anticipates that this channel could account for 10% of its activity by the end of the year. In addition to this new appointment, Fintonic has introduced Credit Builder, an AI-powered tool that analyzes users' financial situations, such as spending habits and financial product usage, to provide recommendations that can enhance their economic position. Fonseca explained that the goal is to strengthen users' financial profiles, ensuring they can access the most suitable and favorable financing options when needed. According to Fintonic's analysis of over 450,000 users, only 23% of citizens fall into the high credit segment (FinScore above 810 points).",
  "summary": "Nuevos cambios en la cúpula de Fintonic, una de las fintech pioneras en España en la contratación de préstamos al consumo. Leer",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}