{
  "slug": "sea-fintech",
  "name": "Southeast Asia Fintech",
  "updated": "2026-09-22",
  "page": "https://godofstartups.com/atlas/markets/sea-fintech",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "facts": [
    {
      "metric": "Philippine adults with outstanding loans",
      "value": "25",
      "unit": "percent",
      "geo": "PH",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://www.bsp.gov.ph/Inclusive%20Finance/Financial%20Inclusion%20Reports%20and%20Publications/2025/2025CFISreport.pdf"
    },
    {
      "metric": "Philippine adults satisfied with their current financial situation",
      "value": "43",
      "unit": "percent",
      "geo": "PH",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://www.bsp.gov.ph/Inclusive%20Finance/Financial%20Inclusion%20Reports%20and%20Publications/2025/2025CFISreport.pdf"
    },
    {
      "metric": "Thailand adults receiving phone or SMS requests for money",
      "value": "34.0332397825265",
      "unit": "% of population age 15+",
      "geo": "Thailand",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/con21?locations=TH"
    },
    {
      "metric": "Account ownership among adults age 25+, Philippines",
      "value": "48.1663078389787",
      "unit": "percent",
      "geo": "PH",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://api.worldbank.org/v2/country/PHL/indicator/account.t.d.4?source=28&format=json&per_page=100&date=2024"
    },
    {
      "metric": "Thailand adults who sent money after a phone or SMS request",
      "value": "1.02627888281376",
      "unit": "% of population age 15+",
      "geo": "Thailand",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/con22?locations=TH"
    },
    {
      "metric": "Account ownership among the poorest 40% by income, Philippines",
      "value": "34.4399006408424",
      "unit": "percent",
      "geo": "PH",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://api.worldbank.org/v2/country/PHL/indicator/account.t.d.7?source=28&format=json&per_page=100&date=2024"
    },
    {
      "metric": "Account ownership at a financial institution or mobile-money provider, World Bank Global Findex (% age 15+)",
      "value": "88.7",
      "unit": "% of population age 15+",
      "geo": "Malaysia",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/account.t.d?locations=MY"
    },
    {
      "metric": "Mobile money account ownership among young adults ages 15-24, Philippines",
      "value": "47.2666337547577",
      "unit": "percent",
      "geo": "PH",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://api.worldbank.org/v2/country/PHL/indicator/mobileaccount.t.d.3?source=28&format=json&per_page=100&date=2024"
    },
    {
      "metric": "Made a digital merchant payment, World Bank Global Findex (% age 15+)",
      "value": "51.1",
      "unit": "% of population age 15+",
      "geo": "Vietnam",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/merchant.pay?locations=VN"
    },
    {
      "metric": "Average transaction cost of sending remittances to the Philippines (% of amount sent), World Bank Remittance Prices Worl",
      "value": "1.67",
      "unit": "% of amount sent",
      "geo": "PH",
      "period": "2023",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/SI.RMT.COST.IB.ZS?locations=PH"
    },
    {
      "metric": "Share of Vietnamese firms citing access to finance as the single biggest business obstacle",
      "value": "21.2",
      "unit": "% of firms (All Firms), by size: Small 17.8%, Medium 30.7%, Large 9.2%; benchmarks: East Asia & Pacific 12.7%, Lower Middle Income 18.6%; World Bank Enterprise Survey, n=1028 firms interviewed Apr-Nov 2023",
      "geo": "Vietnam",
      "period": "2023",
      "tier": 1,
      "status": "ready",
      "url": "https://www.adb.org/sites/default/files/publication/1016211/psowp-2-access-finance-sme-development-viet-nam.pdf"
    },
    {
      "metric": "Indonesian firms with a checking/savings account and using banks to finance investments, All Firms, 2023",
      "value": "79.9 (checking or savings account); 28.6 (using banks to finance investments)",
      "unit": "percent of firms",
      "geo": "ID",
      "period": "2023",
      "tier": 1,
      "status": "ready",
      "url": "https://ojk.go.id/en/berita-dan-kegiatan/siaran-pers/Pages/The-Indonesian-Financial-Services-Sector-Remained-Stable-and-Solid-amidst-Global-Volatility-due-to-Banking-Issues-in-U.S.A.aspx"
    },
    {
      "metric": "MAS FSTI 2.0 commitment for financial-sector technology and innovation",
      "value": "250",
      "unit": "SGD million",
      "geo": "SG",
      "period": "2020-08-13",
      "tier": 1,
      "status": "ready",
      "url": "https://www.mas.gov.sg/publications/annual-report/2021/annual-report-2020-2021/innovative-and-inclusive-financial-centre/supporting-innovation-in-the-financial-sector"
    },
    {
      "metric": "Year-on-year growth in FinTech investment in Singapore",
      "value": "34",
      "unit": "percent",
      "geo": "SG",
      "period": "2020",
      "tier": 1,
      "status": "ready",
      "url": "https://www.mas.gov.sg/publications/annual-report/2021/annual-report-2020-2021/innovative-and-inclusive-financial-centre/supporting-innovation-in-the-financial-sector"
    },
    {
      "metric": "FinTech investment in Singapore",
      "value": "1.4",
      "unit": "SGD billion",
      "geo": "SG",
      "period": "2020",
      "tier": 1,
      "status": "ready",
      "url": "https://www.mas.gov.sg/publications/annual-report/2021/annual-report-2020-2021/innovative-and-inclusive-financial-centre/supporting-innovation-in-the-financial-sector"
    },
    {
      "metric": "FinTechs connected to investors through MAS Deal Fridays",
      "value": "165",
      "unit": "FinTech firms",
      "geo": "SG",
      "period": "2020",
      "tier": 1,
      "status": "ready",
      "url": "https://www.mas.gov.sg/publications/annual-report/2021/annual-report-2020-2021/innovative-and-inclusive-financial-centre/supporting-innovation-in-the-financial-sector"
    },
    {
      "metric": "Indonesia adults with a bank or similar financial institution account, World Bank Global Findex",
      "value": "19.58% (2011) -> 35.95% (2014) -> 48.39% (2017) -> 50.51% (2021) -> 52.39% (2024)",
      "unit": "% of population age 15+, World Bank Global Findex indicator fiaccount.t.d",
      "geo": "ID",
      "period": "2011-2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fiaccount.t.d?locations=ID"
    },
    {
      "metric": "Bank loan or credit-line access by firm size, Thailand",
      "value": "11.2-35.0",
      "unit": "% of firms",
      "geo": "Thailand",
      "period": "November 2015-June 2016",
      "tier": 2,
      "status": "proxy",
      "url": "https://www.enterprisesurveys.org/content/dam/enterprisesurveys/documents/country/Thailand-2016.pdf"
    },
    {
      "metric": "Median Series A round size, Manila startup ecosystem",
      "value": "14.5",
      "unit": "USD million",
      "geo": "PH",
      "period": "H2 2022-2024",
      "tier": 2,
      "status": "proxy",
      "url": "https://startupgenome.com/contents/report/gser-2025_4786.pdf"
    },
    {
      "metric": "Median seed round size, Manila startup ecosystem",
      "value": "1.1",
      "unit": "USD million",
      "geo": "PH",
      "period": "H2 2022-2024",
      "tier": 2,
      "status": "proxy",
      "url": "https://startupgenome.com/contents/report/gser-2025_4786.pdf"
    }
  ],
  "note": "status: ready = two or more independent sources or an official series; proxy = one source; context = macro background, not a validation figure."
}