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.

For decades, financial innovation meant new products on old rails. That lens no longer explains where control is concentrating. Money 1.0 digitised value. Money 2.0 networked it. Money 3.0 makes it programmable — value that carries its own logic, constraints and compliance, settling toward atomic, with AI agents as first-class transactors. But is this a structural shift, or digitisation in new clothes? This opening session looks to separate architecture from hype and asks the question that matters: How far can programmable money along with tokenized financial products go?