大华银行：2024年东盟金融科技：创新十年报告（英文版）（40页）.pdf

1、FinTech in ASEAN 2024:A Decade of InnovationContentsForewordExecutive summaryResilience in the face of declineFrom disruption to development:10 years of FinTech innovation in ASEANCatalysing the future of ASEAN FinTechReferences123122230Phase 1:Foundations of FinTech Growth(2015-2017)Phase 2:Acceler

2、ation and maturation(2017-2022)Phase 3:Emerging technologies and sustainability(2022-Present)141618ForewordFinTech in ASEAN 2024:A decade of innovationASEAN stands at a pivotal moment in its financial evolution,with the FinTech sector playing an integral role in transforming economies and societies.

3、Over the last decade,ASEAN FinTech funding has grown significantly,having surged by more than 10 times(9M*2015 vs 9M 2024)and recording a peak of nearly US$6.4 billion in 2021.While global funding trends have become volatile,the regions FinTech sector has displayed remarkable resilience.Even in 2024

4、,as global FinTech funding faces a third consecutive year of decline,ASEAN has held steady down less than 1 per cent year-on-year.In stark contrast,funding in North America and Europe have plummeted by over 35 per cent.As we navigate an era of rapid digital innovation and economic uncertainty,this y

5、ears report takes stock of the regions remarkable progress,while also looking toward the sectors future.From the early days of regulatory sandboxes to the rise of digital banking and blockchain,we explore how ASEAN has become a hub of innovation.We also look at the promise of generative AI and quant

6、um computing,acknowledging their potential to revolutionise financial services,enhancing aspects like customer experience and cybersecurity.The journey of FinTech in ASEAN has been one of resilience and adaptability.With continued collaboration and commitment to innovation,we believe that ASEAN will