Unibank became a sponsor of the second edition of the “Yerevan Dialogue” international forum, hosted in Armenia under the theme “Navigating the Unknown.” The forum provided a platform for a diverse range of stakeholders—including policymakers, academics, civil society, and the private sector—to engage in dialogue and explore solutions to pressing global challenges. These included intensifying geopolitical tensions, growing economic uncertainty, biodiversity loss, and the transformative yet complex implications of artificial intelligence.
The event opened with keynote addresses by Nikol Pashinyan, Prime Minister of Armenia, and Ararat Mirzoyan, Minister of Foreign Affairs.
By supporting the “Yerevan Dialogue 2025,” Unibank reaffirmed its commitment to fostering progress and enhancing Armenia’s voice in global conversations. At the forum, Unibank presented its investment opportunities and digital initiatives.
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Unibank Invest is a specialized investment platform in Armenia offering direct access to international stock exchanges. It serves both individual and corporate clients with a comprehensive range of investment tools.
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 (government, corporate, and Eurobonds), as well as currency pairs, derivatives available via the terminal, and additional instruments through the OTC market.The platform is accessible via a modern web terminal and a mobile app. Its intuitive and user-friendly interface makes it ideal for both beginners and advanced investors who value comprehensive analytics and robust features.
One of the highlights of the forum was the panel discussion “The Social Algorithm: Decoding the Data-Driven Economy,” which brought together leaders from government, finance, civil society, and the tech sector. The session focused on the complexities of regulating the digital economy and creating more transparent, accountable online spaces. Panelists included:
• Ararat Ghukasyan, First Deputy Chairman of the Management Board, Unibank
• Tatjana Macura, Minister for Gender Equality and Economic Empowerment of Women, Serbia
• Baratang Miya, Founder, Women in Internet Governance, South Africa
• Scott Cunningham, Entrepreneur, Investor, and Global Change Leader, USA
The session was moderated by Viktoria Poghosyan, Director of External Affairs, Philip Morris Armenia.
In his address, Ararat Ghukasyan spoke on the convergence of digital finance and data governance: “Banks are adapting to a world where data is currency—but that data must be protected. Regulation must be smart, harmonized, and forward-looking.” He added: “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.”
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.
