Drawing on both regional and global experiences, the report makes a compelling case for a coordinated regional approach to fintech development. It considers how open banking can drive innovation and inclusion, and why digital payments are key to boosting e-commerce and trade. It explains how regulatory sandboxes can play an important role in developing new products. By supporting local fintech markets and fostering a collaborative regional ecosystem, CAREC countries can promote innovation, safeguard consumers, and build a more prosperous and economically resilient future.