High school student · Spain

Banking and financial institutions.

Economics student and independent researcher working on banking, financial systems, and monetary institutions.

Current focus: Bank liquidity
Fields: Economics · Banking & finance · Political economy
Recognition: John Locke Institute · 2026 shortlist

Research

Research projects.

BYCIG Research · Financial Analysis · Banking · Equity Research · 2026

Synchrony Financial (SYF) Investment Report

Equity research report on Synchrony Financial (NYSE: SYF), covering its business model, credit performance, funding and liquidity, valuation, capital returns, and principal risks.

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Writing

Essays and public commentary.

John Locke Institute Global Essay Prize · Economics · Monetary Economics · Institutions · 2026

Cashlessness and Monetary Discretion

Shortlisted · Full text forthcoming

Cambridge Re:Think Essay Competition (CCIR) · Political Economy · Institutions · 2026

Nations, States, and the Free Evolution of Social Order

Published

Youth Liberty Prize 2026 · Political Economy · Digital Identity · Monetary Economics · 2026

The End of Exit: Cashlessness, Digital Identity, and the Collapse of Competitive Constraints on Power

Submitted · Decision pending

Open writing archive

About

Investment analysis and public speaking.

2026 — present

BYCIG

Investment Analyst

Researches public companies and prepares investment proposals as an active member of the organisation.

Activities

Debate and civic simulation

Public speaking

Two provincial school debate competitions and a European Parliament simulation.

Read background