Buying tickets for Rosalía’s tour has been chaos for everyone. Except for Banco Santander clients

The sale of tickets for the concerts in Madrid and Barcelona Rosalia have generated the expected collapse. An apocalypse of people running out of tickets, waiting at the seventy-something thousand stall in a virtual queue, and a lot of resellers rubbing their hands. We had the precedent of Bad Bunny, but not only have we not learned, but we have made it worse with an exclusive pre-sale that has left those who have approached through the general sale almost without tickets. He ritual than usual. Frozen screens, virtual queues that exceeded 50,000 people and the frustration of thousands of fans who after hours of waiting were left without access to the many seats available for pre-sale last Tuesday the 9th for the eight Rosalía concerts scheduled in Madrid and Barcelona between March and April 2026. Just 48 hours later, the general sale on Thursday the 11th replicated the same scenario, but much faster: all the tickets sold out in a matter of minutes. The immediate result was predictable: platforms resale offering seats for up to 1,200 eurosmore than ten times its original value. The bank account as an entrance to culture. In September 2023, the Banco Santander launched SMusica platform that links financial services with exclusive offers linked to concerts and musical events after close deals with relevant industry brands, such as Live Nation (owner of Ticketmaster), Universal Music, the Los 40 radio network and festivals such as Primavera Sound and Mad Cool. The mechanism is as simple as, in its essence, exclusive: Bank customers get early access to tickets 48 to 72 hours before the rest of the public. In practice, this means that when the general sale opens, most of the best-located seats (and sometimes all the capacity) have already been purchased. For her part, Rosalía simultaneously activated an “Artist Presale” through prior registration on her website. In this way, two privileged channels were generated before the official sale. But… how many tickets went to pre-sale? There are no official public figures. However, an expert (Chema Lamirán, director of the Master in Digital Marketing at the European University of Valencia) provides data about the usual operation of this system: “as a general and ethical rule of the industry, a quota should always be reserved for general sales.” According to their analysis, between 15% and 20% of the total capacity is usually reserved for general sales. But “in phenomena like Rosalía, where demand exceeds supply by 10 or 20 times, that 20% flies in seconds, giving the sensation that there were no tickets.” This would explain why in social networks comments abounded like this one: “They’re making fun of us, they must have sold all the Lux Tour tickets in the pre-sale, otherwise I can’t explain it.” The system also established differentiated limits: a maximum of two tickets per person in the Santander pre-sale compared to four in the general one, which in theory should leave more seats available for the general public, but in practice it barely makes a difference when the demand is so disproportionate. The precedent of Bad Bunny. May 8, 2025 marked a turning point in public perception of the ticketing system in Spain. What began as the announcement of three Bad Bunny concerts ended up becoming twelve dates spread between Barcelona and Madrid, an improvised increase on the fly while the Ticketmaster website collapsed under the weight of hundreds of thousands of simultaneous users. At 12:45, fifteen minutes before the official start of the pre-sale, the platform began to display errors 503 and 500, leaving buyers trapped in a digital limbo where virtual queues exceeded 400,000 people. But the technical chaos It was just one dimension of the problem. The OCU filed a formal complaint before the Ministry of Consumer Affairs after documenting how an entry initially announced at 79.50 euros It ended up costing 269 euros by including management fees (€36.50), “suggested” donations (€3.30) and additional VIP charges (€150). FOMO and banks. The phenomenon of concerts, without a doubt the “place to be” (and one of the few entertainment sectors that not only enters into crisis but also grows without apparent roof), extends its appeal to entities such as banks. The concerts of Rosalía or Bad Bunny are not considered as recitals for fans, but rather as massive events to which one must go, with the music being only a circumstantial element. The essential precedent of Taylor Swift (whose Eras Tour generated in Spain similar episodes of uncontrolled demand) has established a pattern where megaconcerts are perceived as unrepeatable events that banks, always on the hunt for young customers, are willing to take advantage of. In Xataka | Rosalía has entered her Catholic phase: she is only the latest in a long list of Spanish artists and filmmakers

Europe fails to find the perfect solution for cross -border payments. Bizum and Banco Santander have just put it on a tray

Santander has become the first Spanish bank that allows its customers Send Bizum to other European countries. It is something that is achieved thanks to the interoperability between Bizum, Bancomat and MB Waya connection that according to the bank will connect 50 million users and 186 financial entities. It is a first step waiting for a unique pawous solution for which no agreement is reached. The first in Spain. Banco Santander has formalized the possibility of sending money through Bizum in a cross -border way. The agreement has been necessary between different payment solutions such as Bizum (Spain), Bancomat (Italy) and Mbway (Portugal), being limited instant payments to these two countries, for the moment. After performing the corresponding successful pilot tests, the clients of this bank will be the first to be able to pay outside Spain. The method will be the usual: we will only have to write the mobile number of the user to which we want to send the payment, and this will be carried out immediately and without commissions. It will not be alone. Santander has been the first to move token, but the possibility of sending Bizum out of Spain will be a standard before summer. Abanca, OpenBank, Caixabank, BBVA and Banco Sabadell are advancing in the implementation of this service, planned for the second quarter of 2025. It has not been thanks to Europe. While Europe Follow in search of a unique solutionthe private company moves record. Cross -border payments are possible thanks to the European Initiative (European Payments Alliance), a joint project initiated by Bizum and followed by both Bancomat and MB Way, with the aim of adopting instant transfers paneuropeas using existing infrastructure. In other words, it has been necessary for those responsible for the platforms to agree, in the absence of a European alternative that encompasses. The European Bizum. The European Central Bank has been trying to advance in a system of instant payments to interconnect the different member countries. But he doesn’t get it. During the last two years we have seen progress as Free transfers in Europe, Tests with digital purseand brushstrokes on a “European Payment Initiative” which has barely advanced since 2022. Countries like Spain They make 95% of immediate payments with Bizumbut this is not the only name that sounds as a candidate for possible means for European payments. There are those who try strongly. Solutions such as Bizum, Bancomat, BM Way or Swish were born as responses to the national need to be able to pay freely and free. The problem for the EU? None have been thought from scratch as a single payment solution. This is where solutions such as Weroa proposal towards “a unique payment solution, all in one, instantaneous and paneuropea, capable of covering over time all cases of payment that consumers and professionals require.” Banks such as German and French They are already promoting this servicenot yet compatible with solutions like Bizum. Nothing clear. The ECB points out that “instead of combining strength and sharing resources to develop paneuropeas solutions, national communities have often preferred to preserve the legacy of the investments made in the past”, an attack on models such as Bizum and a clear look at proposals such as Wero. With many delays and few proposals on the table, the road to a “European bizum” continues to draw distant. But, meanwhile, in Spain we will not take to pay with virtually any bank outside our borders. In Xataka | Bizum and Finance: What changes in transfers control after eliminating the threshold of 3,000 euros

Banco Santander will close more than 200 physical offices. It is the most visible symptom of traditional banking metamorphosis

Santander plans the closure of the largest number of offices in Spain from the pandemic. According to Digital economymore than 200 branches will lower the blind this year. The arrival of Ignacio Juliá – a manager with DNA DNA forged in ING – to the direction of Santander Spain is no accident. It is a symptom. Similar to what happens to other Ibex companies – as Telefónica debating between transforming between technology company or assuming the decline as a traditional teleco-, Classic banking has an existential dilemma ahead. On the one hand, Maintain physical offices has become a financial ballast to the Neobancoswhich operate with infinitely lighter and more efficient structures. On the other hand, those same offices They are a competitive advantage for certain demographicparticularly among over 60 years, who concentrate a large part of the financial assets in Spain. Neobancos have gained ground in basic operation and current accounts, but still have important limitations in more complex products, such as mortgages or heritage management. Santander himself has recognized your annual report “The value of the human connection” provided by branches, especially for vulnerable clients, while simultaneously advances towards what defines as “a digital bank with branches”. The Ying and the Yang. Investment management is that space that still has traditional banking to uncheck from the Neobancos, where even the face to face with the manager (the one who gives a branch) can be an incentive for the client. There they face independent platforms, such as Trade Republic or the Spanish Indexa, with increasing traction, better fame … and lower commissions. Of course, they do not usually have exclusive products for large heritage, more complicated land for Fintech. Santander has no urgency for these changes. In 2024 he got a record benefit of more than 12,500 million euros. Your current business model is still profitable. The issue is whether the digitalization strategy combined with selective physical presence will be sufficient to maintain its relevance when the digital generation becomes the main segment with heritage. Traditional bank is not disappearing, but it is in full metamorphosis. It is looking for a balance between digital efficiency and the added value that human interaction provides. In Xataka | The digital counterrevolution reaches the classrooms: seven CCAA backs down with the screens and mark a change of trend Outstanding image | Santander Bank

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