Biography
Ricard Garriga is the co-founder and CEO of Trioteca, one of Spain’s leading digital mortgage brokers and a pioneer in applying artificial intelligence to the mortgage industry. Under his leadership, Trioteca has built a technology-driven platform that reimagines the traditional mortgage process, combining automation, data and AI to make financing more transparent, efficient and scalable.
Before founding Trioteca, Ricard spent more than a decade in the financial sector, gaining deep experience in banking, mortgages and digital business models. His entrepreneurial vision has positioned Trioteca as one of the most innovative players in the European mortgage ecosystem.
Ricard is particularly focused on how artificial intelligence can transform financial services, especially in areas such as customer interaction, call center automation and decision-making processes.
Based in Barcelona, he frequently speaks about fintech, AI and the future of the mortgage market, and is committed to building technology that helps families access better mortgage conditions.
Session
- AI For TodaySpeaker
Fireside 7 — AI in Lending: Where the Decision Still Has to Be Human
Wednesday 23 September, 17:00 – 17:15Auditorium StageMortgages are slow, document-heavy and heavily regulated — which makes them an obvious target for AI and a genuinely hard one. Ricard Garriga, CEO of Trioteca, on where AI actually compresses the process today, where it structurally can't, and how much of the remaining friction is technology versus other institutions' procedures. Also: what a pan-European product consistently gets wrong about the Spanish market.