Alberto is founder and CEO of INBONIS rating, the first credit rating agency for small and medium enterprises (SMEs) in Europe accredited by the ESMA (European Securities and Markets Authority). After a long career as a director of inverstments and as a consultatn he decided to launch an initiative that has the objetive of democratizing credit rating as a tool of objectification of the risk in order to increase financial inclusion of SMEs and the efficiency of the financial market.