Features of the Innovative Development of BC «Moldindconbank» S.A. in the Context of the Fourth Industrial Revolution

Abstract

The Fourth Industrial Revolution is significantly transforming the global financial sector through the rapid development of digital technologies. This article examines the innovative development of Moldindconbank, one of the leading commercial banks in the Republic of Moldova, within the context of Industry 4.0. The relevance of this research is driven by the need for traditional banks to adapt to technological shifts, including the expansion of fintech, open banking, and the growth of digital financial services. The purpose of the study is to analyze the key directions of Moldindconbank’s innovation strategy. The research employs methods of analysis, synthesis, and case study, utilizing official bank reports and analytical materials. The results indicate that Moldindconbank is actively implementing digital transformation initiatives, such as strategic partnerships with international payment systems, the adoption of open banking technologies, integration into the SEPA payment area, and the development of digital solutions for business clients. These innovations strengthen the bank’s competitiveness and contribute to the overall development of the digital economy. CZU: 336.71:004(478); JEL: G21, O31, O33