MIA Instant Payments, the innovative solution developed by the National Bank of Moldova (NBM), attracted significant attention at the Moldova Digital Summit 2025. Visitors received personalized consultations, joined themed raffles at the MIA stand, and participated in workshops tailored for entrepreneurs. These sessions provided practical guidance on integrating instant payments into business operations. All food outlets at the summit accepted fast and convenient payments through MIA.
“The MIA Instant Payments system is already well known and appreciated by the public. It has become a natural part of daily life. People trust the system and instinctively use it—it simplifies their routines and saves them time,” says Alexandra Sidorenko, Head of the Fintech Department at the NBM.
Consumers enjoy instant transfers anytime and anywhere through MIA, with zero or extremely low fees. With just a mobile phone and internet access, users can send money within seconds, regardless of the recipient’s bank.
“Transfers by phone number have become routine for most users. But MIA offers even more—it enables users to send and receive transfer requests and make quick payments via QR codes in stores and online,” explains Alexandra Sidorenko.
For businesses and merchants, MIA creates real opportunities for growth. Merchants can instantly accept payments by generating a QR code, without investing in special equipment or incurring fixed costs. This affordable solution helps small and medium-sized businesses meet modern consumer expectations: fast, digital, and frictionless transactions.
“We’re seeing a clear shift toward cashless payments. Every merchant needs solutions that are simple, efficient, and cost-effective. MIA delivers exactly that with QR code payments,” emphasizes Alexandra Sidorenco.
MIA also proves highly effective in online commerce. E-commerce stores report higher conversion rates, while customers enjoy a fast, simple, and secure shopping experience.
Today, over 600,000 users rely on MIA for daily transactions, showing the strong trust Moldovans have in the system. The growing number of transactions highlights MIA’s clear benefits and relevance.
As MIA expands, payments become faster, simpler, and more aligned with the real needs of both individuals and businesses. This shift is already improving daily life and demonstrating the tangible benefits of digital transformation.
By introducing solutions like MIA, the National Bank of Moldova modernizes the financial system, enhances accessibility, and actively supports a higher quality of life for all citizens.