Fintech
Which financial product your software company should launch first
Wallet, card, checkout, or passthrough capital — your first financial product is determined by how deep your customer relationship is and who controls the payment data today.
Fintech
Embedded Finance
How Grab, Sea, and GoTo really make their money
Grab is still only at 9% financial-services revenue, but the pattern across Sea, GoTo, and Maya is clear: once the audience is built, the wallet line is the one that quietly takes over the P&L.
Embedded Finance
Embedded finance Southeast Asia: How software companies launch a second revenue line
Embedded finance is not a future adjacency for software companies; it is a second revenue line unlocked the moment you have weekly engagement, money flowing through your product, and user trust to hold a balance.
Design
Generated Form Is Not a Solved Problem
The new AI design tools are very good at producing form, and very bad at the part that actually matters in fintech.
Southeast Asia
Southeast Asia Scam Economy: A Digital Infrastructure Problem
Southeast Asia's scam economy is a digital infrastructure problem — and it matters for every founder building on the region's financial rails.
Fintech
Capital Darwinism Favors the Efficient and the PH was Built for It
Southeast Asia’s Series A squeeze stripped away the illusion of easy money. Singapore may command 88% of fintech capital, but Philippine operators thrive on discipline. The irony? The market that couldn’t attract capital may be the only one that learned to live without it.
Technology
Data as Collateral: The Rise of Invisible, Perpetual Debt in the Platform Economy
How Southeast Asia's super apps turned financial data into the new collateral — and what it means for millions caught in an invisible web of digital dependency
BNPL
Debt as a Lifestyle Choice: BNPL is Rewiring Money in the PH
No credit card? No problem. In the Philippines, millions buy phones, groceries—even tuition—through Buy Now, Pay Later apps. For some it’s financial inclusion, for others a debt trap. BNPL is reshaping how Filipinos borrow and spend.
Southeast Asia
Infrastructure-as-Code Is Reshaping the Region's Tech Stack
Southeast Asia’s is starting a revolution towards API-first design. From open banking to serverless computing, the region’s companies are rebuilding their tech stacks from the ground up. Infrastructure is shaping the next decade of growth.