Published on: 2026-06-11
Source: Moscow Exchange –
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On June 6, within the framework of the Youth Program of the XXIX St. Petersburg International Economic Forum (SPIEF-2026), the Moscow Exchange held a session“Neural networks as a tool for personal capital management and the development of financial literacy”.
During the discussion session, issues of regulation were discussed, transfer to the gig economy, which requires the creation of a reliable infrastructure for data exchange, control mechanisms, transparent rules of responsibility and protection against possible systemic risks.
Igor Alutin, Senior Managing Director of the Moscow Exchange for retail business and electronic platform development:
“The Moscow Exchange actively integrates multi-agent systems into its products, developing, among other things, the AI assistant FinGPT, while simultaneously testing agent interactions in virtual trading conditions to evaluate their effectiveness. Our key task is to prepare the necessary data infrastructure so that future AI agents and market participants can use it as productively as possible.”
Maxim Grigoryev, CEO of the FinTech Association, added that based on the analogy with the AFT project and the Bank of Russia’s application of open APIs, which allow aggregating accounts in one application, it is necessary to create a secure trusted environment for AI agents. This will enable them to exchange information and work more efficiently.
Regarding Russia’s digital sovereignty, participants in the discussion consider a balance necessary between the development of domestic solutions for critical infrastructure and preserving access to global open-source models to avoid technological lag. At the same time, the key condition for the use of neural networks in the financial market remains the controllability and transparency of the decision-making logic.
An important role in the safety of using AI among the population is played by the digital and financial literacy of the population. Students of the Economics Club of MGIMO Oeconomicus named after A.V. Makarenko in their research concluded that in Russia it is necessary to develop digital literacy and responsibility when working with neural networks in all population groups.
Pavel Potanin, Deputy General Director of NSPK, emphasized personal responsibility: “Regardless of the regulations, each user of the II must understand: above all, we ourselves are responsible for our own actions.” He stressed that the main element in NSPK remains the person — whether it’s an employee making decisions or, for example, a product developer: “We work on services, but the person, not the algorithm, leads this.”
Lyudmila Presnyakova, advisor to the head of the Service for Consumer Rights Protection of Financial Services of the Bank of Russia, noted that along with the evolution of the perception of AI, the very concept of financial literacy is transforming. According to her, if previously the focus was on explaining the essence of financial products, now it is critically important to teach people to understand the role of the digital intermediary, since AI can amplify cognitive distortions.
The director of business analytics at the Central University, Ilya Ivaninsky, emphasized that every person, regardless of education, should know how artificial intelligence works, what limitations it has, and what risks its user assumes. Moreover, according to him, when using AI for investments, it is important not only to understand the logic of neural networks but also to comprehend the principles of the stock market as a whole.
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