{ "jurisdiction_id": "SK", "jurisdiction": "Slovakia", "url": "https://payments.gi/jurisdictions/slovakia/", "generator": "render_jid v13.3.0", "date_modified": "2026-08-11", "schema_version": "world-payments-v1", "counts": { "modules": 14, "sourced_findings": 67, "source_register": 117 }, "modules": [ { "code": "W1a", "name": "Licensing, Authorisation & Market Access", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/slovakia/#w1a-licensing-authorisation-market-access", "standing_position": "Slovakia runs the standard EEA PSD2/EMD2 dual-track regime supervised by NBS (Act No 492/2009 Coll.). PSD3/PSR trilogue texts were endorsed by COREPER on 22 April 2026, with Official Journal publication expected Q2/Q3 2026 and application (merging EMI into a PI sub-category) expected ~18-21 months later, i.e. late 2027/early 2028 - not yet in force.", "findings": [ { "finding": null, "instrument_type": "Act No 492/2009 Coll. on payment services", "source": "https://nbs.sk/en/financial-market-supervision1/supervision/issuance-of-electronic-money/", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "Decree No 14/2011; Methodological Guideline No 5/2012", "source": "https://nbs.sk/en/financial-market-supervision1/supervision/payment-service-providers/", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "Payment Services Act - own funds requirement", "source": "https://nbs.sk/en/financial-market-supervision1/supervision/payment-services-and-electronic-money/electronic-money-institutions/business-requirements/", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "PSD3 (Directive) / PSR transition", "source": "https://crassula.io/guides/pi-license/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "EBA PSD2 register", "source": "https://www.eba.europa.eu/risk-and-data-analysis/data/registers/payment-institutions-register", "source_url": null, "source_tier": "1", "retrieved_at": null } ] }, { "code": "W1b", "name": "Conduct, Safeguarding & Financial Promotions", "confidence": "Confirmed", "moved_this_cycle": true, "url": "https://payments.gi/jurisdictions/slovakia/#w1b-conduct-safeguarding-financial-promotions", "standing_position": "NBS enforces conduct and consumer-protection rules on top of the PSD2/EMD2 licensing perimeter, including fund-safeguarding (own-funds floor for EMIs) and active sanctioning of unfair commercial/fee practices at supervised banks and financial intermediaries, evidenced by recent multi-thousand-to-half-million-euro fines.", "findings": [ { "finding": null, "instrument_type": "Payment Services Act - prudential/AML requirements", "source": "https://nbs.sk/en/financial-market-supervision1/supervision/payment-services-and-electronic-money/electronic-money-institutions/business-requirements/", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "Financial consumer protection enforcement", "source": "https://www.startitup.sk/velka-banka-dostala-35-tisicovu-pokutu-klientom-uctovala-poplatky-nad-ramec-zakona/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "Financial consumer protection enforcement", "source": "https://kryptomagazin.sk/vychovna-lekcia-od-nbs-slovenska-banka-dostala-pokutu-500-tisic-eur/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "Financial intermediation conduct enforcement", "source": "https://sita.sk/vofinanciach/pozor-komu-zverite-svoje-financie-nbs-odhalila-nedostatky-u-financneho-sprostredkovatela/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "NBS methodological guideline on investment fees", "source": "https://www.finsider.sk/investicie/poplatky-vam-uz-nepohltia-celu-investiciu-nbs-ukazala-ktore-praktiky-nebude-tolerovat/", "source_url": null, "source_tier": "3", "retrieved_at": null } ] }, { "code": "W2", "name": "Stablecoins & Digital Money", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/slovakia/#w2-stablecoins-digital-money", "standing_position": "Crypto-asset services in Slovakia transitioned from an unregulated/AML-registration-only regime to full MiCA-based CASP authorisation by NBS, which became the exclusive route from 31 December 2025 (Act No 248/2024 Coll.). Confidence held at High pending operational verification of licences actually issued.", "findings": [ { "finding": null, "instrument_type": "MiCA Regulation (EU) 2023/1114", "source": "https://nbs.sk/en/before-preparation-of-a-request/", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "MiCA Regulation - authorisation procedure", "source": "https://nbs.sk/en/financial-market-supervision1/supervision/crypto-assets/faqs-crypto-assets/", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "Zákon č. 248/2024 Z.z. (MiCA Act)", "source": "https://manimama.eu/mica/casp-license-in-slovakia/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "MiCA capital tiers", "source": "https://legasset.com/ready-made-crypto-exchanges-in-slovakia-for-sale/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "Act No 297/2008 Coll. (pre-MiCA AML registration)", "source": "https://nbs.sk/en/financial-market-supervision1/fintech/crypto-assets-and-initial-coin-offerings-icos/", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "Regulation (EU) 2023/1113 (TFR)", "source": "https://nbs.sk/en/financial-market-supervision1/supervision/crypto-assets/regulation/", "source_url": null, "source_tier": "1", "retrieved_at": null } ] }, { "code": "W3", "name": "Operational Resilience & Critical Infrastructure", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/slovakia/#w3-operational-resilience-critical-infrastructure", "standing_position": "Operational resilience in Slovakia is governed directly by the EU's Digital Operational Resilience Act (DORA), Regulation (EU) 2022/2554, applicable since 17 January 2025 to most NBS-supervised entities including PSPs, EMIs and CASPs, with no separate national instrument layered on top.", "findings": [ { "finding": null, "instrument_type": "Regulation (EU) 2022/2554 (DORA)", "source": "https://nbs.sk/en/financial-market-supervision1/supervision/crypto-assets/regulation/", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "Regulation (EU) 2022/2554 (DORA) - CASP scope", "source": "https://nbs.sk/en/before-preparation-of-a-request/", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "Regulation (EU) 2022/2554 (DORA) - application date", "source": "https://nbs.sk/en/financial-market-supervision1/supervision/crypto-assets/regulation/", "source_url": null, "source_tier": "1", "retrieved_at": null } ] }, { "code": "W4", "name": "Scheme & Network Compliance", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/slovakia/#w4-scheme-network-compliance", "standing_position": "As a Eurozone EU member, Slovakia sits directly under the EU Interchange Fee Regulation (2015/751), which caps consumer debit/credit card interchange at 0.2%/0.3%, and under NBS-operated domestic clearing/settlement rules (SIPS, TARGET2-SK) that intermediate scheme-based retail payment flows.", "findings": [ { "finding": null, "instrument_type": "Regulation (EU) 2015/751 (Interchange Fee Regulation)", "source": "https://eur-lex.europa.eu/legal-content/EN/TXT/HTML/?uri=CELEX:32015R0751", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "Scheme rulebook - Mastercard EEA interchange", "source": "https://www.mastercard.com/europe/en/business/support/merchant-interchange-rates.html", "source_url": null, "source_tier": "2", "retrieved_at": null }, { "finding": null, "instrument_type": "Decision No 1/2025 of NBS - SIPS rules", "source": "https://nbs.sk/en/payments/payment-systems/sips/", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "NBS payment system oversight", "source": "https://nbs.sk/en/payments/", "source_url": null, "source_tier": "1", "retrieved_at": null } ] }, { "code": "W5", "name": "Payment Corridor Dynamics", "confidence": "Confirmed", "moved_this_cycle": true, "url": "https://payments.gi/jurisdictions/slovakia/#w5-payment-corridor-dynamics", "standing_position": "Slovakia is fully integrated into SEPA, having migrated to SEPA Credit Transfer/Direct Debit in 2014, and has completed mandatory SEPA Instant Credit Transfer rollout as of October 2025 across all Slovak banks, with instant payments' share of SEPA volume growing steadily; Polish PSP Blik is separately building out Slovakia as a euro-zone expansion hub.", "findings": [ { "finding": null, "instrument_type": "Act No 492/2009 on payment services / SEPA migration", "source": "https://nbs.sk/en/payments/payment-instruments/sepa-credit-transfer/", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "Regulation (EU) 2024/886 - Instant Payments Regulation", "source": "https://nbs.sk/en/payments/payment-instruments/sepa-instant-credit-transfer/", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "Instant payments adoption data", "source": "https://nbs.sk/en/instant-payments/", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "Corridor / scheme expansion", "source": "https://www.globalbankingandfinance.com/polish-mobile-payment-system-blik-eyes-euro-zone-expansion/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "STEP2 pan-European ACH participation", "source": "https://nbs.sk/en/payments/payment-systems/sips/", "source_url": null, "source_tier": "1", "retrieved_at": null } ] }, { "code": "W6", "name": "Industry Structure & Commercial Dynamics", "confidence": "Assessed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/slovakia/#w6-industry-structure-commercial-dynamics", "standing_position": "Slovakia's banking sector is small, highly concentrated and predominantly foreign-owned, with roughly 22 institutions (2025) and the top five banks controlling about 80% of ~EUR 126bn in assets; NBS acts as the ECB-SSM-linked national competent authority, and recent structural moves include KBC Group's acquisition of 365.bank.", "findings": [ { "finding": null, "instrument_type": "SSM designation", "source": "https://nbs.sk/en/financial-market-supervision1/supervision/banking/", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "Market structure", "source": "https://grokipedia.com/page/List_of_banks_in_Slovakia", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "Ownership structure", "source": "https://en.wikipedia.org/wiki/List_of_banks_in_Slovakia", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "M&A / consolidation", "source": "https://grokipedia.com/page/List_of_banks_in_Slovakia", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "Cross-border integration", "source": "https://en.wikipedia.org/wiki/List_of_banks_in_Slovakia", "source_url": null, "source_tier": "3", "retrieved_at": null } ] }, { "code": "W7", "name": "Legal & Litigation", "confidence": "Assessed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/slovakia/#w7-legal-litigation", "standing_position": "NBS actively exercises its methodological and sanctioning function against supervised financial-market entities, with 2025-2026 enforcement running from small intermediary fines up to a EUR 500,000 penalty against a systemic retail bank for repeated consumer-protection breaches; Banking Council decisions are final and penalty proceeds flow to the Ministry of Finance.", "findings": [ { "finding": null, "instrument_type": "NBS methodological and sanctioning activity", "source": "https://nbs.sk/dohlad-nad-financnym-trhom/ofs/informacie-pre-spotrebitelov/o-nas/metodicka-a-sankcna-cinnost/", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "Enforcement decision - UniCredit Bank", "source": "https://sita.sk/vofinanciach/platili-ste-zbytocne-nbs-odhalila-sporne-poplatky-pri-uveroch-aj-hypotekach-v-tejto-banke/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "Enforcement decision - Prima banka Slovensko", "source": "https://kryptomagazin.sk/vychovna-lekcia-od-nbs-slovenska-banka-dostala-pokutu-500-tisic-eur/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "Enforcement decision - BluFin financial intermediary", "source": "https://sita.sk/vofinanciach/pozor-komu-zverite-svoje-financie-nbs-odhalila-nedostatky-u-financneho-sprostredkovatela/", "source_url": null, "source_tier": "3", "retrieved_at": null } ] }, { "code": "W8", "name": "Merchant Acquiring & Risk", "confidence": "Assessed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/slovakia/#w8-merchant-acquiring-risk", "standing_position": "Merchant acquiring in Slovakia operates under the directly-applicable EU Interchange Fee Regulation, which caps consumer card interchange and mandates merchant fee transparency and unbundling; Slovak-specific acquiring/chargeback operational detail beyond the EU-wide regime was not separately located in this pass and is flagged for deeper follow-up.", "findings": [ { "finding": null, "instrument_type": "Regulation (EU) 2015/751 - merchant disclosure", "source": "https://eur-lex.europa.eu/legal-content/EN/TXT/HTML/?uri=CELEX:32015R0751", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "Regulation (EU) 2015/751 - honour-all-cards / steering", "source": "https://eur-lex.europa.eu/legal-content/EN/TXT/HTML/?uri=CELEX:32015R0751", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "Merchant onboarding / KYC", "source": "https://payatlas.com/countries/slovakia-sk", "source_url": null, "source_tier": "3", "retrieved_at": null } ] }, { "code": "W9", "name": "Product Innovation & Market Development", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/slovakia/#w9-product-innovation-market-development", "standing_position": "NBS runs a two-tier fintech engagement structure (Innovation Hub for one-off regulatory questions; Regulatory Sandbox, open since 1 January 2022, for supervised live testing) alongside PSD2-based open banking, and instant payments and mobile/QR-based schemes (Blik) are actively expanding the domestic product set.", "findings": [ { "finding": null, "instrument_type": "NBS Innovation Hub", "source": "https://nbs.sk/en/financial-market-supervision1/fintech/innovation-hub-2/", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "NBS Regulatory Sandbox", "source": "https://nbs.sk/en/financial-market-supervision1/fintech/regulatory-sandbox/", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "PSD2 open banking (Act 492/2009)", "source": "https://nbs.sk/en/financial-market-supervision1/supervision/payment-services-and-electronic-money/open-banking/", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "Mobile payment scheme expansion", "source": "https://www.fintechfutures.com/us/region/slovakia/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "Instant payments product uptake", "source": "https://nbs.sk/en/instant-payments/", "source_url": null, "source_tier": "1", "retrieved_at": null } ] }, { "code": "W10", "name": "Consumer Protection & APP Fraud", "confidence": "Assessed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/slovakia/#w10-consumer-protection-app-fraud", "standing_position": "Slovak consumer protection is anchored in a renewed Consumer Protection Act transposing the EU New Deal for Consumers, actively enforced by NBS against unfair fee and commercial practices; dedicated APP-fraud reimbursement is not yet a distinct Slovak regime but will arrive via the incoming EU PSD3/PSR framework (harmonised conduct rules and fraud liability, expected ~H2 2027).", "findings": [ { "finding": null, "instrument_type": "New Consumer Protection Act (transposing Omnibus/Sale of Goods/Digital Content Directives)", "source": "https://www.kinstellar.com/news-and-insights/detail/2332/slovakia-preparing-new-consumer-protection-act-heres-what-you-should-know", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "Omnibus/Consumer Rights Directive transposition", "source": "https://www.twobirds.com/en/trending-topics/omnibus-directive/omnibus-directive-countries/slovakia", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "PSD3/PSR - EU-wide APP fraud liability", "source": "https://www.europarl.europa.eu/news/en/press-room/20251121IPR31540/payment-services-deal-more-protection-from-online-fraud-and-hidden-fees", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "NBS consumer-protection guideline enforcement", "source": "https://www.finsider.sk/investicie/poplatky-vam-uz-nepohltia-celu-investiciu-nbs-ukazala-ktore-praktiky-nebude-tolerovat/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "Consumer protection enforcement", "source": "https://www.startitup.sk/velka-banka-dostala-35-tisicovu-pokutu-klientom-uctovala-poplatky-nad-ramec-zakona/", "source_url": null, "source_tier": "3", "retrieved_at": null } ] }, { "code": "W11", "name": "AML/CFT & Financial Crime", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/slovakia/#w11-aml-cft-financial-crime", "standing_position": "sentinel.W11 carries the Sentinel.gi payments-context AML/CFT position for Slovakia: a MONEYVAL/FATF-assessed regime with predominantly 'Largely Compliant' technical ratings and only one 'Substantially Effective' immediate outcome, indicating technical compliance outpaces demonstrated effectiveness; no dedicated Sentinel.gi jurisdiction-specific proprietary item was returned in this pass beyond the public FATF/MONEYVAL evaluation trail, which is carried here as the standing input.", "findings": [ { "finding": null, "instrument_type": "sentinel.FATF Follow-Up Report", "source": "https://www.fatf-gafi.org/en/publications/Mutualevaluations/Slovak-Republic-FUR-2024.html", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": "Slovakia's AML/CFT regime rests on the AML Act (297/2008), MONEYVAL/FATF-assessed since 2020 MER, with the Financial Intelligence Unit as core authority. Slovakia has 5 Compliant, 23 Largely Compliant and 12 Partially Compliant FATF ratings, remains in enhanced follow-up, and was placed into compliance-enhancing procedures over persistent CDD (R.10) and VASP-supervision deficiencies. EU AMLR/AMLA membership pending 2027 application.", "instrument_type": "assessment", "source": "FIM (sentinel.gi) per-JID baseline profile — Slovak Republic (Slovakia)", "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": "Gap: sourcing-thinness", "instrument_type": "gap", "source": "FIM (sentinel.gi) gaps_register_cumulative (issue FIM-BASE-GAP-004)", "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": "Enforcement: FATF / MONEYVAL — Slovak Republic AML/CFT technical-compliance framework", "instrument_type": "enforcement_action", "source": "FIM (sentinel.gi) enforcement_action_register (issue FIM-BASE-ENF-002)", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": "Sanctions: EU divergence", "instrument_type": "sanctions_change", "source": "FIM (sentinel.gi) sanctions_change_register (issue FIM-BASE-SANC-002)", "source_url": null, "source_tier": "2", "retrieved_at": null }, { "finding": "Enforcement: European Commission — Slovak justice-system and EU-funds management institutions", "instrument_type": "enforcement_action", "source": "FIM (sentinel.gi) enforcement_action_register (issue FIM-BASE-ENF-003)", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": "Gap: regulatory-failure", "instrument_type": "gap", "source": "FIM (sentinel.gi) gaps_register_cumulative (issue FIM-BASE-GAP-003)", "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": "Gap: enforcement-absence", "instrument_type": "gap", "source": "FIM (sentinel.gi) gaps_register_cumulative (issue FIM-BASE-GAP-001)", "source_url": null, "source_tier": null, "retrieved_at": null } ] }, { "code": "W12", "name": "Correspondent Banking, Settlement & Access", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/slovakia/#w12-correspondent-banking-settlement-access", "standing_position": "Slovakia's settlement infrastructure runs through NBS-operated TARGET2-SK and SIPS (the domestic retail ACH, an ancillary system of TARGET2), with NBS as a direct STEP2 participant for cross-border SEPA processing; correspondent-banking de-risking dynamics for Slovakia sit within the general FATF/Basel framework rather than a distinct national de-risking episode identified in this pass.", "findings": [ { "finding": null, "instrument_type": "SIPS / TARGET2-SK settlement infrastructure", "source": "https://nbs.sk/en/payments/payment-systems/sips/", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "Payment system access for PI/EMI", "source": "https://nbs.sk/en/financial-market-supervision1/supervision/payment-services-and-electronic-money/frequently-asked-questions/", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "FATF correspondent banking / de-risking guidance", "source": "https://www.fatf-gafi.org/en/publications/Fatfrecommendations/Correspondent-banking-services.html", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "Cross-border bank presence", "source": "https://en.wikipedia.org/wiki/List_of_banks_in_Slovakia", "source_url": null, "source_tier": "3", "retrieved_at": null } ] }, { "code": "W13", "name": "Commercial Intelligence & Fintech", "confidence": "Possible", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/slovakia/#w13-commercial-intelligence-fintech", "standing_position": "Trailing-12-month commercial activity centres on Blik's (Polish PSP) platform acquisition and bank-partnership build-out in Slovakia as a euro-zone hub, alongside continued fintech/crypto-infrastructure investment (e.g. Blockmate) and modest but growing Slovak startup funding concentrated in AI and financial services.", "findings": [ { "finding": null, "instrument_type": "commercial_event", "source": "https://www.globalbankingandfinance.com/polish-mobile-payment-system-blik-eyes-euro-zone-expansion/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "commercial_event", "source": "https://www.fintechfutures.com/us/region/slovakia/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "commercial_event", "source": "https://grokipedia.com/page/List_of_banks_in_Slovakia", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "commercial_event", "source": "https://blog.mean.ceo/startups-slovakia-news-june-2026/", "source_url": null, "source_tier": "4", "retrieved_at": null }, { "finding": null, "instrument_type": "commercial_event", "source": "https://www.eu-startups.com/2026/03/slovakias-rising-tech-scene-10-of-the-most-promising-startups-shaping-the-country-in-2026/", "source_url": null, "source_tier": "4", "retrieved_at": null } ] } ] }