Anastasija Plotnikova, CEO of Fideum Group, emphasizes that while regulations like MiCA may benefit traditional banks, they could hinder user experience in fintech by introducing friction. She advocates for embedded finance to simplify interactions with digital assets, making them more accessible and intuitive for users. As digital assets gain traction, the integration of AI and compliance technologies will be crucial for fostering a secure trading environment and ensuring adherence to evolving regulations.