Asia’s financial system is entering its next transformation. As AI, real-time payments and embedded finance reshape how money moves and financial services are delivered, the boundaries between banks, technology companies and platforms are rapidly dissolving. This session explores who will build, and control, the next generation of financial infrastructure. The conversation examines how technology and traditional finance will converge, where new sources of competitive advantage will emerge, and whether Asia will pioneer a fundamentally new model for intelligent, interconnected finance.

Digital infrastructure can lower barriers to financial services, markets and public support, but access alone does not guarantee participation or prosperity. The harder task is building the skills, institutions, trust and locally relevant services that let people and businesses turn connectivity into opportunity. Drawing on experience across policy, development and fintech, this session examines what helps digital systems reach underserved communities, support livelihoods and strengthen local economies, and where infrastructure-led strategies fall short. Attendees will leave with a clearer view of the capabilities required to make digital growth genuinely inclusive.

Whether you're a student starting out, a finance professional planning a career pivot, or a startup founder facing a specific business challenge, Pay It Forward connects you with established industry professionals for face-to-face, one-to-one mentorship. It's a chance to get advice from people who have already worked through the challenges you're facing. Sessions are 15 minutes long and take place at the Pay It Forward Lounge in Hall 3, from 18 to 20 November, 12.30pm to 4.30pm. Come with one specific question or challenge, and leave with focused, practical advice.