PayPal helped make online checkout mainstream. But in a world where payments are becoming faster, more embedded and increasingly invisible, a famous button may be less of an advantage than it once was. Can the company turn its reach across PayPal, Venmo and Braintree into a broader role in people’s financial lives? At SFF2026, CEO Enrique Lores joins a candid conversation about the choices, trade-offs and execution required to move beyond payments, and how much reinvention a quarter-century-old fintech can really pull off.

Improving financial health takes more than better products. It requires regulators, financial institutions, fintechs, and policymakers to rethink how financial services are designed, delivered, and understood, particularly in emerging markets where income patterns, consumer behaviours, and financial needs can vary widely.

As a continuation from the ASEAN Financial Health Challenge, this panel brings together leaders across policy, fintech, banking, and insurance to examine how public-private collaboration can turn innovation into better financial outcomes. The discussion dives into how technology and human-centred design can address deep financial health challenges, where education needs to complement innovation, and how fintechs are developing and scaling new approaches across ASEAN.

The panel will conclude with an unveiling and the prize presentation of the 3 winners of the ASEAN Financial Health Challenge.

Bharat Connect is an interoperable bill payment system, the only platform across the globe to enable millions of customers for paying their utility bills. This session will cover the impact of the infrastructure and the effect it has on utility service providers.