Financial innovation is closely linked to the evolution of technology, its dynamics being ever greater. Technology, in various forms, is increasingly present in the financial market, with consumers having to adapt to new trends. Innovation in the financial market has emerged as a natural response of consumer needs for financial products and services to technological progress in recent years. Subject of the study consists in highlighting the need to apply financial instruments, as well as ways of financing economic agents from the Republic of Moldova in order to improve access to financing through the use of alternative sources. The future of finance is digital: consumers and businesses are increasingly turning to digital financial services, innovative market participants are implementing new technologies, and existing business models are changing. Digital finance has helped citizens and businesses cope with the unprecedented situation created by the COVID-19 pandemic. FinTech solutions have helped expand and accelerate access to loans.