1、2022 Asia Pacific Fintech TrendsThe future of fintech in a post-COVID worldA report from Kapronasia January 2022ContentsIntroduction 2Changing landscape of BNPL regulatory oversight 3Green Fintechs-the next disruptor in the green finance?5The Rise(and Fall)of Asias Digital Banks 7Embedded payments a

2、nd evolving channels 9Cross-border real-time payment linkages 11Regulators in Asia turn the spotlight on digital assets 13The Platformification of APAC Banking 16eCommerce marketplaces building inhouse payment arms 18Central Bank Digital Currencies 20The Rise of Infrastructure-as-a-Service 22Methodo

3、logy Kapronasias 2022 Asia Pacific Fintech Trends is based on both primary and secondary research that the Kapronasia team collected over the course of 2022 and is meant to be a insightful,but by no means exhaustive,look at the key trends that we feel will define 2022 and the Asia Pacific financial

4、industry.22022 Asia Pacific Fintech TrendsIntroductionThe COVID pandemic has forced Asias financial institutions to completely re-think how they deliver products and services.For traditional financial institutions,this meant providing more customized value propositions as the industry sought to sell

5、 to an audience of one.It seemed to work,as many of Asias large banks posted record profits in 2020 and 2021.With an increasingly fickle customer base that is looking for an anytime,anywhere,hyper-personalized service,the banks have their work cut out for them.Fintechs were not to be left behind and

6、 also took advantage of the digitization wave to capture more market share in everything from robo-advisory to payments.Increased VC funding minted some new home-grown unicorns as Grab finally listed.Yet certain segments of the fintech industry faced their own challenges.The super-hot BNPL segment s