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All Things Asia, All Things Tech
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Treasury is undergoing a fundamental shift as global businesses operate across more markets, more banks, and more currencies than ever before. The old model, built on spreadsheets, manual reconciliation, and after-the-fact reporting, cannot keep pace with real-time payments, 24/7 liquidity demands, and increasingly complex cross-border flows. In this episode of ATP recorded at SFF 2025, David Hanna (Finmo), Kriti Jain (Deutsche Bank), and Jessie Toh (Coda) paint a picture of Treasury as an ecosystem role, data-driven, modular, compliant, and deeply strategic, where Treasurers become designers of liquidity and key partners in how global businesses grow.Some of the topics that David, Kriti and Jessie covered in detail included:Treasury is moving from hindsight to foresight. The CFO, controller and treasurer are no longer just reporters of what happened; they are becoming strategic enablers.Fragmented data is the silent enemy of modern treasury. Centralizing data is the prerequisite for every other kind of sophistication.Connected financial intelligence is a better language than “treasury systems”, “Connected Financial Intelligence and Control” for the modern CFO.AI isn’t a buzzword for Finmo. It’s woven into how modern treasury actually gets done, designed to give finance leaders what David calls “financial second sight.”Cross-border liquidity is now a 24/7 discipline, not a monthly exercise.
Artificial intelligence is reshaping how information is created, processed, and acted upon, but it is also eroding the foundations of trust that business systems have relied on for decades. In the past, documents, signatures, and deterministic software offered predictable and auditable outputs.In this episode of ATP recorded at SFF 2025, Ben Stein, the CEO of Staple.ai, explains, this shift from predictable, rules-based systems to probabilistic, black-box models has created a widening “trust gap”, one that becomes especially dangerous in domains like finance, insurance, or government, where proof matters more than almost anything.Some of the topics that Ben discussed in detail:Artificial intelligence execution is abundant, but trust remains scarce. The isn’t about what AI can technically do, it’s about what we can confidently rely on when the stakes are high.In many cases, artificial intelligence is not merely hallucinating, it’s industrializing fraud.Systematic trust cannot be bolted on later. It has to start at the data layer.Meta-structured data, a cryptographic marker embedded directly into a file, is the source for embedded data trust.Trust will become a competitive advantage.
Cross-border commerce is entering its fastest, most chaotic growth phase in history. The world’s smallest sellers now have global reach, but they are trying to scale on top of payment infrastructure that was never designed for them.In this episode of ATP recorded at SFF 2025, Nicholas Liao, the Founder and CEO of Whalet explains that today’s MSME sellers are not just exporting products, they are building global brands across DTC sites, marketplaces, and social platforms. But while demand is global, payment systems remain deeply local.Some of the topics that Nicholas covered in detail included:MSMEs are not just exporting anymore; they are going global as brands and Whalet is helping facilitate this.Cross-border eCommerce is exploding, but the payment rails are still missing.One of the most powerful threads in the conversation: payment localization is not a “nice to have.” It’s existential.APAC is home to a staggering 71 million MSMEs, but persistent barriers keep them from selling cross-border.The Belt and Road is no longer just railways and ports. It’s increasingly about digital trade corridors.
The idea of programmable money represents a fundamental shift in how value moves through the digital economy. Instead of money acting only as a static store of value or medium of exchange, it becomes a dynamic instrument capable of carrying rules, conditions, and logic.In this episode of ATP recorded at SFF 2025, Effie Dimitropoulos, the CEO of AUDD Stablecoin, notes that programmable money is not a sudden disruption but the next step in a long evolution of how value moves in the digital world.Some of the topics that Effie covered in detail:Programmable money can attach rules and logic as to where, how and when money can be used.Our comfort with digital money did not just appear. It was earned over time, largely through the rise of the smartphone and everyday digital behaviors.Australia’s economic ties to Asia are deep and complex. Yet the money behind those flows is often routed through a slow, expensive, opaque infrastructure.Tokenization and stablecoins are two sides of the same digital coin.No conversation about stablecoins is complete without talking about regulation. Regulation is not a drag; it’s the precondition for trust at scale.
Artificial intelligence is reshaping the way money moves, turning payments from isolated actions into intelligent, context-aware interactions. Instead of searching, tapping, or navigating apps, users will increasingly rely on AI agents that understand their routines, anticipate their needs, and act proactively, often before they make a request.In this episode of ATP recorded at SFF 2025, Jiangming Yang, Chief Innovation Officer at Ant International, explains how AI-powered agents can understand a user’s context, anticipate needs, and act in advance.Some of the topics that Jiangming covered in detail included:Payments are becoming intelligent experiences, not transactions. Jiangming emphasized that AI changes the nature of interaction itself.Agentic AI Is redefining how consumers discover products, decide and make payments.A I will become the operating partner for global business expansion. Instead of consulting multiple advisors for growth, a business could ask a single AI agent for all of the help it needs.Collaboration among agents could fundamentally reshape global commerce.Every innovation pipeline should be gated and supported by security, permission controls and verification layers.
Payments are becoming both more complex and more interconnected, especially across a region as diverse and fast-moving as Asia. The landscape is defined by massive scale, deep fragmentation, and rapid innovation, all of which demand infrastructure that is global at the core but deeply local in execution.In this episode of ATP filmed at SFF 2025, Jeff Parker, CEO of Paymentology, explains how a single global platform can navigate successfully with different markets, cultures, and payment networks.Some of the topics that Jeff covered in detail included:Asia is huge but fragmented. This forces serious players to think beyond generic “global solutions” and build infrastructure that can flex, localize, and still stay coherent.Paymentology's deep configuration that lets each client shape products for their own needs and local nuances. Localization is a blend of platform design and human presence.Culture is not a side-issue, it drives how payment ecosystems actually work and thrive.One rovocative observation: the issuing market is about ten years behind the acquiring market.Embedded finance is really about orchestrating ecosystems.
Asia’s accelerating digital transformation has created an environment of unprecedented interconnection, and unprecedented vulnerability. Threats now move quickly across borders, clouds, and supply chains, exposing both large enterprises and SMEs to risks that often stem from the simplest gaps: weak authentication, exposed remote access, and misconfigured systems.In this episode of ATP, Paul Jackson, CEO of THEOS Cyber, argues defenders can keep pace when fundamentals are properly applied and Gene Yu, CEO of Blackpanda, frames resilience as the speed and effectiveness of ‘Readiness, Response, and Recovery’.Some of the topics that Paul and Gene covered in detail include:Resilience in the cyber space starts with “properly applied” basics, yet most organizations simply have not applied the fundamentals.Cyber insurance is essential, cyber preparedness should not be outsourced to a policy.Resilience is a rehearsed behavior...full stop.Business interconnectivity drives value, but third party risk is now first-order risk.Regulation matters, but enforcement of that regulation is the real lever.
Financial innovation in Asia is accelerating, but not in a uniform way. Markets across the region move at very different speeds, shaped by culture, regulation, and consumer behavior. At the same time, major technological shifts are underway.In this episode of ATP, Chee Beh, SVP & GM APAC at Yuno, explains how the center of gravity is shifting from Generative to Agentic AI, where autonomous agents do not just make recommendations but execute end-to-end actions.Some of the topics that Chee discussed in detail included:Last year’s frontier was GenAI. This year’s is agentic AI: autonomous, goal-oriented agents that don’t just suggest, but do. Autonomous commerce agents are only half the story. Payments agents will choose among your payment methods to optimize for your payment objectives.Payment or frankly any technological optimization is getting more and more personalized and multi-dimensional.For agentic commerce to complete the loop, merchant agents and consumer agents must communicate seamlessly, with payment orchestrators acting as the connective tissue.Southeast Asia markets behave like startups: price-sensitive, experiment-friendly, and hungry for growth. Japan behaves more like an enterprise: precision, trust in institutions, and measured adoption.
Artificial intelligence is forcing humanity to confront what truly makes us valuable. As machines become more capable of performing tasks once reserved for human intelligence, the definition of talent is shifting away from knowledge and efficiency toward qualities like judgment, empathy, creativity, and ethical decision-making.In this episode of ATP, Jeevika Makani, Francis Pẽna, and Kristen Lim posit that while AI levels access to information, it ultimately widens the gap between people who use it to deepen thinking and those who accept generic outputs.Some of the topics they covered in detail included:There is no room for nostalgia about grunt work. Offloading drudgery is progress if we use the time to think, decide, and connect.AI Tools do not replace creativity; they raise the bar for originality.The new premium skills are stubbornly human. Empathy, ethics, and relationship-building do not compress to an AI prompt.Mainstream exposure to AI is barely two years old. As a community, we will build collective intuition for what AI is good at and where it fails.AI is democratizing product creation for SMEs and other small companies.
Across Southeast Asia, small and medium-sized enterprises are the driving force of economic growth, yet many still face obstacles when accessing financing, managing payments, and expanding beyond their home markets. Fintech innovation is reshaping this reality by bridging gaps through digital payment infrastructures, data-driven lending, and localized financial tools.In this episode of ATP, Chen Yu (Nicholas) Liao, CEO of Whalet, and Vikas Jain, Country Head (Thailand) at Funding Societies, argue that the region’s fragmentation, multiple currencies, regulations, and languages, makes regional trade complex and that the path forward is “global vision, local rails”.Some of the topics that Nicholas and Vikas covered in detail include:Cross-border revenue is the most resilient, highest-quality revenue an SME can earn. The difference between aspiration and execution is whether you meet customers where they already areIn fragmented markets like Southeast Asia, trust is the conversion rate. Every mismatch between what a customer expects and what your business actually offers is silent churn.Payments data is the new collateral. Alternative data collapses the time it takes to earn credit trust. The faster an SME can turn “sales” into “creditworthiness,” the faster it can inventory up, hire, and expand.Lending and payments are two sides of the same coin. If a payment platform can provide verifiable, permissioned sales data to a lending platform, you can unlock pre-approved, one-click offers at the moment of need.AI could now be the SME’s unfair advantage if they know how to use it well. AI narrows the talent gap and turns lean teams into leverage.
WEB3 gaming has experienced a turbulent journey, from the early excitement of play-to-earn models and scholarship programs to the realization that crypto speculation alone cannot sustain an industry. The promise of digital ownership drew millions into the space, offering real economic impact for players, particularly in Southeast Asia, during moments of global crisis.On this episode of ATP, Chin Yaul Yu, co-Founder and CEO at W3GG, explains, many studios tied their survival to token prices; when crypto fell, earnings collapsed, treasuries dried up, and hundreds of projects shut down. The core lesson: speculation can’t substitute for product-market fit.Some of the topics that Chin covered in detail:Axie Infinity felt like a paradigm shift and it brought institutional capital and mainstream attention. But much of the surge rode on speculation.WEB3 games correlate tightly with broader crypto markets.Most WEB3 games are hybrids: gameplay lives on centralized servers, while ownership and trading sit on chain. As agentic AI improves, detecting and deterring non-human participation becomes existential across the WEB3 gaming landscape.For W3GG, the goal is to export great games from Southeast Asia, cultivate communities where contribution earns recognition and rewards, and manage a robust digital-asset treasury aligned to gameplay.
Digital transformation is often associated with industries that are already forward looking and generally technologically savvy. However, its greatest impact may come in areas that have traditionally resisted change.Grassroots football and the global seafood trade may seem worlds apart, but both face similar challenges. ATP was joined by Tariq Cassim, co-Founder and CEO of Koach Hub and Scott Chambers, a co-CEO at Seafood Souq to discuss how transformation is not about shiny new tools. It is about rethinking how value and opportunity are distributed across ecosystems that involve millions of lives.Some of the topics that Tariq and Scott covered in detail include:Before you digitize anything, understand the size and scope of the system you are impacting.If digital transformation threatens established advantage, expect pushback. Plan for trust-building as carefully as you plan for features.Stakeholder transparency forces clarity. Once they can see the benefits, adoption accelerates.If you want to sell digital transformation, do not sell dashboards, sell value recovery.Immutability builds trust. When stakes are high, data and the reports they produce need to be trusted.
Wealth management is facing a critical inflection point. Legacy systems built decades ago still power many private banks, creating inefficiencies that slow down operations and frustrate clients. Manual processes like emailing PDFs and reconciling data across multiple custodians remain common, leading to errors and missed opportunities.In this episode of ATP, Olzhas Zhiyenkul, Founder of InvestBanq, contends that private banking runs on a fragile trio of Excel, PDFs, and eMail, because rebuilding the multi-layer “wealth stack” requires years of orchestration and leadership courage.Some of the important topics that Oz covered in detail included:The biggest impediment to digital transformation is not technology is disarmingly human: incentives and incumbency. It requires courageous leadership making multi-year investments,Wealth management is harder to digitize than payments because digitizing wealth is orchestration engineering and filled with unseen complexity.Over the next two decades, more than $100 trillion of wealth will shift to millennials and other digital natives. They want “software first, human second” service, with expert help available when it adds real value.Fragmentation is wealth management’s defining feature and is biggest opportunity.The “connect-everything” problem is the core digital wealth management product.
AI is evolving from static question-and-answer systems to dynamic agents capable of reasoning, learning, and making decisions in real time. These intelligent systems rely on vast amounts of data to function, but the real challenge lies not in building the AI itself, but in ensuring that the data feeding it is clean, accurate, and accessible.In this episode of ATP, Shanmuga Muniandy, Director of Architecture & Chief Evangelist, APAC at Denodo, argues that most AI failures are really data failures: stale copies, siloed systems, and patchwork security.Some of the topics that Shan covered in detail included:Agentic AI chains reasoning steps, maintains context, calls tools/APIs, and makes decisions toward a goal.To get accurate agent behavior, data must be complete, clean, contextual, and timely.Real-time decisions require live context, which requires real-time access to data.Business leaders should not need to hunt tables or beg IT for extracts. Self-service data unlocks velocity. It also gives agents stable, well-defined inputs aligned to outcomes.Ethics and regulation should be part of the architecture that drives Agentic AI.
Artificial intelligence and blockchain are no longer separate innovations. They are beginning to merge, creating systems that are both intelligent and trustworthy. AI brings automation, reasoning, and decision-making, while blockchain provides transparency, provenance, and security.On this episode of ATP, Qin En Looi, a Partner at Onigiri Capital & Saison Capital and Ganesh Kompella, a Founding Partner at Tykhe Ventures, highlight that this moment is different because of a shift in mindset and infrastructure.Some of the topics Qin En and Ganesh covered in detail:Together, AI and blockchain unlock 'decentralized intelligence'.The AI and blockchain ecosystem has matured with stronger infrastructure, institutional adoption, and broad developer access.Clear, supportive regulation is shifting from hindering innovation to driving it.While core AI infrastructure may remain centered in the West, Asia’s talent and scale position it to lead in applied AI and blockchain use cases.DeFi will not replace traditional banks but will serve as their middleware, enabling faster, more transparent, and programmable financial services.
The global financial system is entering a period of profound change driven by the convergence of blockchain, artificial intelligence, and decentralized infrastructure. At the center of this transformation is tokenization, which converts real-world assets into programmable digital representations that can move seamlessly across modern, borderless rails.In this episode, Nikhil Joshi, Chief Operating Officer at EMURGO, explores how the convergence of blockchain, AI, and decentralized finance is reshaping global markets.Some of the topics Nikhil covered in detail:Anything can be tokenized, but not everything should be tokenized.Stablecoins are the bridge between traditional finance and decentralized finance.Agentic AI combined with programmable money can lead to automated treasury functionality.Institutional adoption is real, growing and nuanced.Interoperability is essential with payments and settlement rails first, then lending/borrowing, eventually hedging and structured products.
Finance is entering a period of deep structural change. What appears on the surface as small, incremental upgrades—banks digitizing workflows, adding AI tools, or experimenting with blockchain, masks a more fundamental shift: the financial system is being rebuilt from the ground up.Karl Mohan, EVP, Financial Services and GM International at Crypto.com, explains that two forces stand at the center of this transformation. The first is asset tokenization and the second is the rise of AI agents.Some of the topics that Karl discussed in detail include:The global financial system will be re-architected, but it will look like “incremental evolution” while it’s happening.Blockchains are machine-native ledgers and the more finance becomes machine-to-machine, the more value accrues to ledgers that are natively interpretable by software.The cross-border experience is moving from opaque and slow to transparent and instant which leads to faster remittance, lower uncertainty, and fewer human failure modes.Stablecoins are becoming remittance and savings primitives for the unbanked and underbanked.The biggest blocker to crypto adoption is anchoring bias, not technology. Every moment spent “digitizing an old workflow” is a year competitors spend compounding their advantage on a native architecture.
As digital ecosystems grow more connected, APIs have become the core channels through which data flows, services interact, and innovation happens. But this shift has also introduced new risks.In this episode of ATP, Reuben Koh, Director, Security Strategy - Asia Pacific & Japan at Akamai Technologies, explains how essential APIs are to digital experiences.Some of the topics Reuben covered in detail include:In today's digital world, APIs are no longer behind-the-scenes components—they are mission-critical interfaces that power user experiences, connect systems, and move sensitive data at scale.Despite their proliferation, most organizations have shockingly poor awareness of their own API infrastructure.One of the most revealing insights from Reuben was the scale of API abuse, not just mere attacks. Abuse happens when APIs are used in ways for they were not intended, oftentimes creating malicious, unexpected consequences.In 2024, for the first time, Akamai saw more internet traffic generated by APIs than by humans. Bots now dominate the digital landscape, probing, testing, and exploiting vulnerable endpoints.The finance sector, unsurprisingly, remains the top target for web application and API attacks. Reuben share some shocking examples.
Artificial intelligence has long promised to transform the way businesses operate, but only now are we beginning to see its full potential realized. Early waves of AI focused on prediction and content generation, offering useful but limited support. The newest evolution—autonomous agents—goes further by reasoning, sequencing tasks, and taking meaningful action.In this episode of ATP, Gavin Barfield, CTO and VP of Solution Engineering for ASEAN at Salesforce, explains how this “third wave” of AI is transforming the way businesses operate.Some of the topics that Gavin covered in detail include:The history of AI in business can be broken into waves. We are now entering the autonomous agent era, where AI doesn’t just suggest, but acts.The leap from generative to autonomous AI isn’t just about bigger language models—it’s about the rise of reasoning engines.Autonomous AI is only as good as the data it uses.Far from being merely theoretical, autonomous AI is already proving itself and early use cases are delivering!Gavin stressed that AI agents are not about eliminating humans, but about freeing them from low-value tasks and enabling them to do more meaningful ones.Gavin posited that CEOs will no longer manage purely human workforces. Instead, they will oversee a hybrid of digital agents and human employees.
In many emerging markets, traditional credit systems fail to serve the underbanked because they rely on formal employment records and financial histories that many people simply don’t have. But access to credit doesn’t have to be limited to those with paperwork.In this episode of ATP, we talk to Rene Payan, Country Manager for the Philippines at PayJoy who explains how PayJoy is changing that reality by using smartphones as digital collateral and AI-powered risk models to “find a yes” instead of defaulting to “no.”Some of the topics that Rene covers in detail include:For decades, the underserved and underbanked have been locked out of formal financial systems because they lacked traditional credit histories. PayJoy challenges that orthodoxy with a powerful shift in mindset: instead of searching for reasons to deny credit, the company actively searches for reasons to approve it.Smartphones can be more than devices, PayJoy has developed a unique approach to underwriting: it uses a smartphone’s functionality as digital collateral.PayJoy didn’t start out as a lender. The company originally offered its technology via SaaS to third-party lenders. But when partners failed to replicate PayJoy’s commitment to "finding a yes," PayJoy doubled down on direct lending.Long before AI became a buzzword, PayJoy was deploying machine learning to refine its pricing strategies and risk assessments. The goal isn’t just approval—but optimized approval.What PayJoy is building is not just a credit business, but an embedded finance ecosystem. Customers encounter financial services not in banks, but at retail counters while buying a phone.
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