6JULY - AUGUST 2025Editor's NoteRising Middle Class, Smarter Finance: APAC's Inclusive ShiftThe rising middle class and the maturing economies have brought digital innovations in financial institutions across Asia Pacific. Redefine the way services are delivered, accessed, and experienced, AI, blockchain, and data analytics enhances efficiency and risk management enabling hyper-personalized services tailored to evolving customer expectations. Different countries are leading the charge with progressive regulatory sandboxes and innovation-friendly ecosystems, encouraging fintech startups and incumbents alike to experiment and scale.Financial inclusion is also a critical focus. From mobile-based micro-investing platforms in Southeast Asia to digital banks, APAC markets are breaking down traditional barriers to financial access. These efforts are empowering unbanked and underbanked populations to participate in wealth creation, insurance, and credit--fostering both social and economic resilience.Sustainability is reshaping investment priorities, with ESG-driven funds gaining momentum. Governments and financial institutions, both are aligning strategies to meet decarbonization goals and support green finance initiatives.As digital adoption accelerates and regulatory clarity improves, APAC is poised to lead the next chapter of global financial innovation. The region's unique blend of tech-forward momentum, demographic dynamism, and policy support makes it a compelling landscape for growth, disruption, and long-term opportunity.The future of finance in APAC is not just digital but inclusive, sustainable, and transformative. The magazine also features insightful perspectives from Thomas LAGRIFFOUL, Regional Director of Compliance APAC at Coface and Eugenia Koh, Global Head, Sustainable Finance, CPBB, Standard Chartered Bank [LON: STAN]. We hope these valuable insights from industry leaders featured in this edition will assist you in making informed decisions for your businesses.Let us know your thoughts.Copyright © 2025 ValleyMedia, Inc. All rights reserved. Reproduction in whole or part of any text, photography or illustrations without written permission from the publisher is prohibited. The publisher assumes no responsibility for unsolicited manuscripts, photographs or illustrations. Views and opinions expressed in this publication are not necessarily those of the magazine and accordingly, no liability is assumed by the publisher thereof.Managing EditorJeff RodriguezEditorial StaffAaron Pierce Ava Garcia Joshua ParkerPearl JohnsonVisualizersRobert Gray SmithEdwin paul *Some of the Insights are based on the interviews with respective CIOs and CXOs to our editorial staffEmail:sales@financialservicesreview.comeditor@financialservicesreview.commarketing@financialservicesreview.com JULY - AUGUST 2025, Vol 06 - 13 (ISSN 2835-9771) Published by ValleyMedia, Inc. To subscribe to Financial Services ReviewVisit www.financialservicesreview.com Jeff RodriguezManaging Editoreditor@financialservicesreview.com
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