In this episode, we explore banking growth, digital transformation, and AI adoption in Moldova’s financial sector through a candid conversation with Alexander Picker, CEO of Moldindconbank. Drawing on more than three decades of leadership experience across Europe and emerging markets, Alexander shares a pragmatic perspective on what it takes to modernize a bank in a complex regulatory and economic environment. The discussion covers banking strategy, technology modernization, and organizational change, and the evolving role of banks as trusted partners for businesses and individuals navigating uncertainty. Key learnings and takeaways: Banking growth in emerging markets: How Moldova’s economic and regulatory landscape shapes investment, competition, and long-term growth opportunities. Digital transformation in banking: Why core system replacement alone does not deliver speed or scale without redesigning processes and operating models. Blending digital and human banking: How Moldindconbank is combining branch networks, advisory roles, and digital channels to improve customer experience. AI in financial services: Where AI can drive real efficiency and decision support today, and why governance and accountability remain critical. Leadership in regulated environments: Lessons from leading large-scale banking transformation while maintaining trust, stability, and compliance. Whether you’re a banking executive, financial services leader, or digital transformation professional, this episode offers a CEO-level view on building resilient, growth-oriented banks in dynamic and regulated markets. #FintechOS8 #AIinFS #ResponsibleAI #AIGovernance #ProductOps #DigitalTransformation #FinancialServices