Combating Money Laundering in the Age of Artificial Intelligence (AI): A Comparative Study between Romania and the Republic of Moldova

Denis Vîntu

MPRA Paper from University Library of Munich, Germany

Abstract: This paper examines the role of artificial intelligence (AI) in combating money laundering (AML), focusing on a comparative study between Romania and the Republic of Moldova. Romania demonstrates advanced AI integration within its financial institutions, employing machine learning and predictive analytics to enhance transaction monitoring, risk assessment, and regulatory compliance. In contrast, Moldova is in the early stages of adopting AI for AML, facing structural, technical, and regulatory challenges that limit the effectiveness of its anti-money laundering efforts. The study highlights how technological adoption, institutional capacity, and regulatory frameworks intersect to shape AML effectiveness. By analyzing similarities, differences, and lessons learned, the paper provides insights into how AI can strengthen financial integrity while addressing the evolving challenges of illicit financial flows in different national contexts.

Keywords: Anti-Money Laundering; AML; Artificial Intelligence; AI; Financial Crime; Romania; Republic of Moldova; Regulatory Compliance; Transaction Monitoring; Risk Assessment (search for similar items in EconPapers)
JEL-codes: G18 G21 K22 O33 (search for similar items in EconPapers)
Date: 2025-08, Revised 2025-08
New Economics Papers: this item is included in nep-cis, nep-eur and nep-law
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