The second edition of the “Yerevan Dialogue” international forum was held in Armenia, providing a platform for policymakers, academics, civil society, and the private sector to engage in dialogue and explore solutions to pressing global challenges.

Unibank became the sponsor of the second edition of the “Yerevan Dialogue” international forum.

“By supporting the forum, Unibank reaffirmed its commitment to fostering progress and enhancing Armenia’s voice in global conversations. At the “Yerevan Dialogue” forum, Unibank presented its investment opportunities and digital initiatives.

Unibank Invest is a specialized investment platform in Armenia offering direct access to international stock exchanges. With Unibank Invest, clients can trade on the world’s largest exchanges – including NYSE, NASDAQ, LSE, XETRA, and others. Investors gain access to over 30,000 stocks and ETFs, more than 20,000 bonds, as well as currency pairs, derivatives available via the terminal, and additional instruments through the OTC market,” the bank said in a news release.

First Deputy Chairman of the Management Board of Unibank Ararat Ghukasyan took part in the panel discussion “The Social Algorithm: Decoding the Data-Driven Economy.” The session focused on the complexities of regulating the digital economy and creating more transparent, accountable online spaces.

“Banks are adapting to a world where data is currency – but that data must be protected. Regulation must be smart, harmonized, and forward-looking. We live in a century where information can be transformed into data that builds trust, lowers business costs, and enhances competitiveness. That is the magic and the key to success. At Unibank, we use AI-based credit scoring and approval systems that have significantly improved processing speed, objectivity, and equitable pricing – without human bias. Can we do more? Absolutely. But this requires greater collaboration across the industry and broader society,” Ararat Ghukasyan said, referring to the convergence of digital finance and data governance.

It is also noted that as a leader in the number of POS loans in Armenia, Unibank applies AI-driven credit scoring technology in its consumer loan processes. The scoring system, based on 25 years of Unibank’s statistical data, enables faster and more efficient credit decisions.

The panelists called for stronger cross-border cooperation, ethical use of technology, and robust frameworks that balance innovation with accountability.