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1、A MONEY20/20 WHITEPAPER2026:THE FUTURE OFFINTECH IN APACAt its heart,the story of fintech in Asia is about the choices we make to build a more resilient future.Across the region,we have moved past the era of pure experimentation.Today,the impact of these technologies is measured by the trust they bu

2、ild and the lives they change regarding financial security and long-term growth.Our research revealed that Southeast Asias fintech market is not simply growing;it is evolving.While data from 2025/2026 shows a moderation in the annual expansion rate shifting from a previous 31.4%to a still-robust 22.

3、9%,it remains a primary driver of global innovation.The continued focus on interoperable cross-border payments and digital finance demonstrates an ecosystem increasingly centred on stable,large-scale impact.As we noted last year,the regions share of global fintech investment continues to grow,and Si

4、ngapore remains a dominant financial hub,spearheading many of these changes.Yet,as a recent report by UnaFinancial shows,while the region is set to lead global financial inclusion by 2030,active digital transformation and improvements in the regulatory environment remain key drivers.Throughout these

5、 conversations,ESG consistently emerged not as a compliance exercise,but as a strategic lens and shared vision.An impressive 90.6%of survey respondents affirmed social good as a core business strategy for long-term success.This confirms that for Asian fintechs,driving impact is a commercial imperati

6、ve,not just a CSR exercise.Foreword1.6%4.5%5.6%7.1%9.6%10.9%11.1%13.3%13.4%22.9%OthersLATAMAfricaANZEuropeUSSouth AsiaMiddle EastNorth AsiaSoutheast AsiaWhich specific markets are being focused on or expanded into in the next 12-18 months?2T HE F UTURE OF FINTE C H IN A PA CYet access alone is not t