The day begins with a networking session. Attendees can use the event app to schedule meetings with fellow participants and connect over a cup of morning coffee. This exclusive, pre-booked meeting time is designed to foster meaningful connections before the formal program.

An overview of Latvia’s Fintech Strategy – its core pillars, key goals, and the vision for building a thriving fintech ecosystem.

This strategic panel explores how national fintech strategies can enhance Europe’s competitiveness on the global stage. Experts from countries that have already implemented fintech frameworks will share key lessons, insights, and practical tips.

The discussion will highlight how public policies and regulatory approaches have contributed to the development of vibrant fintech ecosystems, and will examine the role of the public sector in achieving long-term strategic goals.

MODERATOR: Ian Hall, Global Government Fintech’s editor

SPEAKERS:
Herman Ciappara, Senior Technical Advisor at the Malta Financial Services Authority
 

Charles Moussy, Head of Innovation and Digital Finance at the Autorité des Marchés Financiers
 

Marine Krasovska, Head of the Financial Technology Supervision Department at Latvijas Banka

By Caroline Malcolm, strategic advisor and lecturer; Policy and Practice Visitor at Oxford Institute for Ethics in AI

This open, informal Q&A session brings together experts from Latvijas Banka, the Investment and Development Agency of Latvia, and the Riga Investment and Tourism Agency. This is a great opportunity to ask regulatory experts about licensing, supervision, crypto-assets, payment services, and anti-money laundering, and to consult investment experts on the full range of national and municipal support available for fintech startups in Latvia

MODERATOR: Edgars Pastars, Advisor to Finance Latvia Association, partner at COBALT Latvia

SPEAKERS:

Jānis Katkovskis, Head of Payment Systems Operations Division of the Payment Systems Department of Latvijas Banka
 

Mārtiņš Grakauskis, Chief Supervision Expert of the Financial Technology Supervision Department of Latvijas Banka
 

Guna Janelsiņa, Chief Legal Advisor of the Licensing and Sanctions Department of Latvijas Banka
 

Olga Rehova, Chief Financial Technology Expert of the Financial Technology Supervision Department of Latvijas Banka
 

Elīna Upeniece, Chief Supervision Expert of Compliance Division of the Anti-money Laundering Department at Latvijas Banka
 

Fredis Bikovs, Director of the Riga Investment and Tourism Agency
 

Laura Štrovalde, Deputy Director General at the Investment and Development Agency of Latvia 

The startup challenge "Fintech Factor 2025" is designed to spotlight and boost early-stage fintech startups from the Baltic region and across Europe. Hosted by the innovation ecosystem and early-stage investor Tenity, this challenge provides a platform for innovators to showcase their solutions at the Latvia Fintech Forum to a group of up to 250 esteemed industry leaders.