On March 17, Valeriu Crivceanschi, Chief Operating Officer (COO) of Paynet, joined the expert panel "Artificial Intelligence and Open Finance: From Strategy to Implementation" at the Fintech Future 3.0 conference. The event was organized by ATIC, Tekwill, and Fintech Hub, with the support of the National FinTech Committee.

During the session, Valeriu Crivceanschi shared key insights on:

• AI Integration: Utilizing artificial intelligence within payment infrastructures for fraud prevention, transaction optimization, and advanced user behavior analysis.

• The Open Finance Revolution: How Open Finance is set to transform the digital payment experience and pave the way for innovative financial services.

• Technical Integration: Navigating the challenges of merging banking ecosystems, payment processors, and digital wallets into a unified Open Finance architecture.

• Regional Impact: Paynet’s vision for the role of local FinTechs in building a robust regional digital payment ecosystem.

This year’s edition focused on the strategic transition from "technology for technology’s sake" to the real economy. Discussions highlighted how FinTech, Open Finance, and AI can empower SMEs, facilitate access to new financial tools, and boost overall economic competitiveness.

Held during Global Money Week, Fintech Future 3.0 positions Moldova as a key player in the international dialogue on financial inclusion and responsible digitalization.