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Technology / SaaS
March 18, 2026
Technology / SaaS

Accelerating Digital Maturity: The Shift from Account-to-Account Rails to Integrated Embedded Finance and Cross-Border Interoperability

Explores the APAC payments ecosystem, highlighting RTP dominance, bank-led infrastructure, super-app disruption, low-fee economics, and growing cross-border interoperability across diverse regional markets.

30 min
Former Director
Bangkok
Public
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Companies Discussed
Alibaba (BABA), Bangkok Bank (BBL), DBS (D05), Grab (GRAB), HSBC (HSBC), Tencent (0700.HK), True Corporation (TRUE), UBS (UBS)
Executive Summary
Topics Covered
Methodology
Free Preview — Executive Summary

This transcript analyzes the APAC digital payments ecosystem, where real-time payments dominate globally, accounting for nearly two-thirds of transaction volumes. Banks continue to control infrastructure and revenue pools, though super apps and fintechs are expanding rapidly, especially in markets like China. Payment systems are increasingly low-cost or zero-fee, with value shifting toward data monetization and lending opportunities. While embedded finance is growing strongly, open banking remains nascent due to regulatory and data-sharing challenges, and cross-border interoperability is emerging as the next major growth driver.

Topics Covered
  • Dominance of APAC in global real-time payments volume
  • Market structure across banks, fintechs, and super apps
  • Country-level differences in adoption and infrastructure models
  • Economics of zero-fee payments and data monetization
  • Growth of embedded finance and financial inclusion use cases
  • Slow adoption of open banking due to data-sharing concerns
  • Cross-border payment integration and interoperability trends
  • Competitive dynamics between incumbents and non-bank players
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Expert Profile
Former Director at Bank of Thailand
Duration
30 min
Call Date
February 25, 2026
Geography
Bangkok
Transcript Tier
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