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The global financial technology (fintech) industry has seen a transformation in financial access over the last two decades, despite a dip in market value in 2022. The Asia-Pacific region is projected to generate 42% of all incremental revenues, and emerging Asia – China, India and Southeast Asia – represents lucrative markets for this value generation. Evolving innovation is driving the industry forward, with technologies such as the internet of things (IoT), generative artificial intelligence (GenAI), distributed ledger technologies, quantum and edge computing, and blockchain all providing new opportunities for fintechs.