Surge in Smartphones Sets Off New Wave of Corporate Self-Reinvention

When Francisco González started working as a software engineer for IBM in the 1960s, the worlds of technology and consumer banking were miles apart.But these days, Mr. González — now chief executive of the big Spanish bank BBVA — is competing head-on with some of the biggest tech companies from Silicon Valley and beyond.And the platform on which the battle is playing out is the smartphone — a device more powerful, and certainly more mobile, than the mainframe computers Mr. González helped program at IBM.

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