1、2023 Top 10 Asia Pacific FinTech TrendsA report from KapronasiaThe key trends and issues that will shape the discussion in 2023February,2023ContentsIntroduction 3Open Banking and the Growing Importance of Ecosystems 4The Rise of Atomic Settlement For Cross-Border Payments 6The Repercussions of the F

2、TX Implosion for Crypto in Asia 8More Partnerships on the Horizon for Digital Banks in Asia 11Redesigning Capital Markets with Digital Asset Tokenization 14ESG Do We Believe The Hype?17Where to For Artificial Intelligence in Financial Services 20Embedded Finance:Emerging Functions and Business Model

3、s 23Finding a Path to Profitability 25CBDCs in Asia 26MethodologyThe 2023 Top 10 Asia Pacific FinTech Trends report was based on a combination of secondary and primary research.Secondary research consisted of existing and new datasets from Kapronasias databases as well as various reports,news articl

4、es,and commentaries in the media.Primary research included discussions with various market participants including banks and payment providers.2023 Top 10 Asia Pacific FinTech Trends3IntroductionAs we embark on our 13th annual Top 10 Fintech Trends in Asia report,it is worthwhile reflecting on the jo

5、urney that has brought us here.When we first started producing these reports,writing an introduction was a straightforward task.China was growing,Southeast Asias significance was on the rise,and Australia,well,you could be sure there was an inquiry or a commission on something around banking and pay

6、ments happening there.But 2020 changed everything.The pandemic literally rewrote the script on that narrative.For two years,the future of the financial industry was anything but clear.In 2021,mid-way through the pandemic,we approached our annual trends report with cautious optimism.We believed that