Economic growth in the next decade will be driven by countries that can convert digital adoption into financial yield. This keynote introduces the concept of a dual-engine economy, where consumer financial engagement fuels a scalable B2B financial platform — generating revenues that flow back to the state.

Focusing on Montenegro, the session explores how neobanking, digital payments, and interoperable financial infrastructure can act as catalysts for broader economic transformation. By aligning technology, policy, and capital, Montenegro can unlock a self-reinforcing growth model that bridges citizens, businesses, and government into a single economic flywheel