CAREC：2026年关于第十届CAREC智库发展论坛的报告（英文版）

The session, moderated by Dr. Christopher Gerry, Rector of the University of Central Asia, examined how digital finance and fintech are transforming financial ecosystems in the CAREC region and what it takes to scale them responsibly. Dr. Ghulam Samad, Chief of Research Division (CAREC Institute) argued that the binding constraint is fragmentation rather than technology: adoption is rising, but readiness remains uneven across identity, payments, data and trust. Regional interoperability, he s