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Category

Opportunity

What we are looking for

Less of a fit

Focus markets

1

Fraud, scams and AML

Across the region banks now absorb the cost when a customer is scammed which turns fraud prevention form a nice to have to a funded priority. As payments get settled within seconds, mule accounts and fraudulent identities are becoming harder to trace and prevent.

Behavioural analytics, mule detection, live transaction monitoring and multi-jurisdiction compliance orchestration.

Rules based fraud engines and regular KYC solutions.

Singapore Malaysia

Indonesia Philippines

Thailand Vietnam

2

Operational resilience and third party risk

Regulators have started asking banks to document which external vendors they depend on and many institutions cannot answer at the level of detail expected.

Supplier registers, critical operations mapping and control assurance.

Advisory led offerings without a product.

Singapore Malaysia Indonesia

3

Payments infrastructure

Southeast Asia is wiring its national payment systems together while most banks still run switches and card platforms built decades ago. Replacing them entirely is hard which creates a large body of work around connecting, verifying and reconciling around what already exists.

Payment integration and orchestration, real time treasury and marketplace reconciliation.

Consumer wallets and projects requiring core system replacements.

Singapore Malaysia Philippines

Thailand

Indonesia

4

Cybersecurity and security assurance

A bank’s exposure now runs through its cloud providers, payment partners and whole supply chains. Security certification requirements have grown across the region and that includes preparing encryption for a post quantum world.

Supply chain cyber risk, cloud security, API security, cryptographic discovery and post quantum migration.

Broad monitoring and detection tooling that compete with regional operation centres.

Singapore Indonesia

Thailand

Malaysia

5

AI governance and emerging risk management

Regulators are setting a high bar before many institutions have built the capability to meet them. Banks are also being asked to measure climate exposure across entire loan books and to account for AI models that were deployed faster than they were documented and managed.

Climate and physical risk modelling and analytics, some carbon footprint tracking solutions, AI testing and agentic controls.

Generic corporate sustainability reporting and general purpose copilots and assistants.

Singapore

6

Remittance and payout

Banks and wallets on the receiving side are actively looking for partners on the sending end, especially around sending salaries, employer payments and B2B transfers. 

B2B remittance, FX and payout connectivity with the reach and licensing readiness to integrate with banks and wallets.

Consumer remittance applications.

Philippines Vietnam

7

Institutional markets, wealth and digital assets

Singapore is a highly expensive talent market with a wealth sector that is fast outgrowing many systems and software on the market. Institutional trading is following a parallel path with trading houses building out electronic capability across the region. Tokenised settlement is also running pilots with many banks across the region.

Family office and private bank automation, portfolio management, institutional trading workflows, market data surveillance and institutional digital asset tooling.

Retail facing products in roboadvice and trading apps.

Singapore Malaysia Indonesia

Thailand

8

SME decisioning and embedded finance

Small businesses across the region are creditworthy but hard to assess and with digital payments the transaction history to underwrite them finally exists.

Proprietary SME decisioning, cash flow underwriting and open banking analytics with distribution partners in place.

Software without proprietary IP – as manual assessments are common and already done well by local players.

Singapore Malaysia

Thailand

Indonesia