ASEAN's fintech industry is entering a new phase of maturity, shifting from rapid expansion towards sustainable business models, intelligent financial infrastructure and meaningful commercial impact. Artificial intelligence, digital assets, tokenisation and increasingly interconnected payment networks are transforming financial services and creating opportunities for greater efficiency and financial inclusion. Yet realising their potential requires navigating fragmented markets, evolving regulation, cybersecurity threats and growing expectations around trust and operational resilience. Against this backdrop, the FinTech in ASEAN 2027 report will examine how the region’s FinTech ecosystem is evolving, where investment and innovation are gaining momentum, and what it takes to scale across diverse ASEAN markets. It will explore the convergence of technology, capital and regulation, including the role of financial institutions, investors, regulators and technology providers in accelerating adoption and building a more connected financial ecosystem.

Stablecoins, tokenized deposits and tokenized MMFs are all racing to become the default form of institutional money, though none of them do the same job equally well. Three advocates, one per instrument get two minutes each to pitch to our moderator, who presses each on the trade-offs. Then the audience votes: what would you actually hold for payroll, for treasury, for cross-border? Come find out what counts as money when the answer depends on the job.

As TradFi moves on-chain, can ownership of regulated digital assets remain anonymous? Programmed Governance offers a new model where trusted identity, asset eligibility and policy rules are checked and validated before value moves. As money becomes programmable, this session explores the next frontier: rewiring policy for an era of programmable value.