The National Bank of the Republic of North Macedonia published remarks by Governor Anita Angelovska-Bezoska at a World Bank Office conference, arguing that while the economy is gradually recovering from recent shocks, incomes remain around 42% of the European level and faster convergence requires structural reforms that raise potential growth. She noted that potential growth in the Western Balkans has almost halved over the past two decades and said the gap can be narrowed through investment in human capital (with emigration a key challenge), higher physical capital (around 30% of the European average), and stronger productivity (around 50% of the European level). On investment, she pointed to a strengthening public infrastructure cycle and faster foreign direct investment, which reached 7.1% of GDP in 2024 despite heightened geopolitical tensions and trade barriers. On productivity and innovation, the central bank highlighted steps within its remit to support financial-sector innovation, including establishing an Innovation Centre, adopting the first national fintech strategy, and preparing a payments regulatory framework that has opened a path towards membership in the Single Euro Payments Area (SEPA).