LATTICE80 – Top 100 Fintech Southeast Asia Influencers 2019


Following up on our first edition published last year, LATTICE80 presents the complete list of Top 100 Fintech Southeast Asia Influencers who are charting the path for Fintech in the region for 2019.

Southeast Asia is a region that presents booming potential for Fintech right now. After all, the region has a population of more than 640 million people with around 50% of its population under 30 years old. Along with the robust macroeconomic growth the countries are experiencing, the young, digitally-savvy population will help to stimulate middle-class spending, in turn driving demand for financial services.

Due to the nature of the largely underbanked population, the development of this regional ecosystem can be observed in waves – firstly from a rise of payment services, to e-wallets, followed by lending, regtech, and insurtech.

While Singapore leads the way as a Fintech hub, other countries are also making much progress through regional collaborations.

The ASEAN Financial Innovation Network (AFIN), for instance, was launched by the Monetary Authority of Singapore (MAS) in 2018 and aims to support financial services innovation and inclusion in less developed markets within the ASEAN region and to provide a platform for collaboration and innovation for financial institutions and Fintech startups. Also, the governments of Cambodia, Laos, Myanmar, Thailand and Vietnam have committedto work together on a cross-border fund transfer scheme, which is due to be rolled out this year.

We can also increasingly see a mix of Fintechs and corporates who are influencing changes in the ecosystem and acting as an enabler.  Another interesting development is also the rise of other digital and e-commerce platforms like Tokopedia, Grab and Go-Jek that are offering related financial services such as payments, loans and insurance both directly, and in partnership with other Fintech players.

Looking ahead, education will need to continue playing a big part in advancing the development of the Fintech ecosystem so as to encourage greater mass adoption of Fintech applications and solutions. On a structural front, more efforts would also need to go into training a labour force with the relevant skills and expertise to build and improve the  user experience of these new fintech solutions for both consumers and businesses. The Southeast Asian Fintech space is still young, and so going forward, we can expect to see lots of new developments, experimentation, trials and failures, and success stories emerging from this region.

In this list, we highlight 100 Fintech leaders in Southeast Asia who are actively involved in growing and developing the ecosystem here. This list of influencers was picked from in-house research and include startup founders, government and regulatory leaders, members of financial institutions, advocacy groups and investors.

Key Highlights from the list

  • Of the 100 influencers, 42 are based in Singapore12 in Malaysia, 11 in Indonesia11 in Thailand, 10 in the Philippines6 in Myanmar6 in Vietnam, and 2 in Cambodia.

  • Also, 62 hold key positions in fintech startups25 facilitate innovation partnerships and transformations in corporates such as banks and insurance companies; 9 are enablersleading national fintech associations or accelerator programmes; and 4 are investorswho focus their investments into fintech startups and projects.

Congratulations to all these regional fintech leaders charting new territories for Fintech in SEA on this list!

Disclaimer: The list has been arranged in alphabetical and not in rank. Also, in case you think we have missed someone or wish to suggest a correction, please drop us a line on