The National Bank of Moldova (BNM) and the Association of Banks of Moldova (ABM) have signed a cooperation protocol setting a framework to promote financial education, strengthen financial inclusion and support the digitisation of payments in the Republic of Moldova. The protocol foresees joint information, training and awareness initiatives for the public, businesses and other users of financial services, including the development and dissemination of educational materials on responsible financial management and the safe use of digital financial services. It also targets consumer protection awareness and steps to prevent and combat digital fraud through coordinated campaigns, thematic workshops, training sessions and public events.