Valentina Ene: “maibank — your bank, always with you, 24/7”

The maibank app has become the core of the banking experience for maib clients — the place where nearly all products, services and interactions with the bank come together. 

In this interview with Pavel Zingan, Valentina Ene, Product Owner in the maibank core team, explains how maib is transforming the app into a digital financial assistant, how it protects clients in real time, and what’s next for the evolution of maibank. 

From app to “main bank” 

“We no longer see maibank as an extension of the branch. It has become the primary way clients interact with the bank,” says Valentina Ene. 

Through maibank, clients manage accounts, access loans, purchase insurance and carry out all banking operations — without visiting a branch. 

Today, the bank lives in your phone, available 24/7. 

Accessible anywhere — even with an international number 

One of the biggest advantages of digital transformation is freedom. 

“In the past, clients lost access to the app when they changed their local phone number. Now they can update the number directly in maibank and keep access no matter where they are,” Valentina says. 

Maib clients can now onboard and use the app even from abroad — from the EU and the UK — using an international number, as long as they are citizens of the Republic of Moldova. 

Data update — fully online and secure 

The data update process can now be completed entirely online, with no branch visit. 

“It’s an important step for account security and full access to maib services. Everything is fast and protected — including for international numbers.” 

Smart security, protecting you in real time 

Maibank automatically detects unauthorized access attempts. 

“The app works like an active protection system. If any program tries to interfere with the phone’s operation, access to the app is temporarily blocked. The client doesn’t need to do anything — protection activates automatically,” Valentina explains. 

This technology prevents new forms of digital fraud, especially on Android devices. 

Personalization and the digital assistant 

Maibank is becoming increasingly personalized — offers, conditions and recommendations are tailored to each individual profile. 

“In the past, a pre-approved loan was simply displayed. Now, each client receives a proposal built around their real situation — with the right term, amount and interest rate.” 

A new AI-powered chatbot will soon assist users directly in the app: 

“The client will no longer need to search for instructions or call the Contact Center — the digital assistant will guide them exactly when they need help.” 

A new level of financial freedom 

“A card is just a tool — the money is in the account,” Valentina explains. 

With maibank, clients control their entire financial ecosystem — accounts, cards, payments, deposits and insurance — without relying on a physical card. 

A complete platform of financial solutions 

Maibank already offers travel, auto and loan insurance. 

“Our goal is for every client to solve any financial need with just a few taps. Some of these insurance products cost as little as a cup of coffee, but offer real protection.” 

What matters most to maib is the client’s time: 

“We want maibank to give people more free time — for life, not for banking operations.” 

Closing 

Through technology, security and personalization, maib is building a banking system that adapts to modern life. 

Maibank — your bank, always with you, 24/7. 

Open maibank and discover how easy it is to manage everything, wherever you are. 

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