Session A3: The Future of Fintech Services
This session explores how emerging technologies are being applied by fintechs and financial institutions to deliver the next generation of inclusive, intelligent, and user-centric financial services. With the rise of digital assets, tokenization, large language models (LLMs), and agentic AI, fintechs are reimagining how financial products are designed, delivered, and experienced—offering unprecedented personalization, automation, and operational efficiency.

The session will showcase how:
1. Tokenization enables new financial products such as fractional ownership, green assets, and programmable payments.
2. LLMs and agentic AI are transforming customer onboarding, credit scoring, advisory services, and real-time compliance through smarter, language-based interfaces.
3. AI systems are helping institutions extract insights from unstructured regulatory and legal documents, enabling faster decision-making and reduced compliance costs.

This session focuses on practical applications of frontier fintech—distinct from regulatory harmonization or infrastructure discussions—and targets actors shaping products, platforms, and digital services for underserved markets.

Session B3: Harnessing Regional Financial Cooperation for Financial Innovation
This session explores how Asia and the Pacific can advance regional financial innovation through regulatory coordination, structured data infrastructure, and shared supervisory tools. As fintech adoption accelerates, the lack of harmonized regulatory frameworks and data standards presents growing obstacles to scale and inclusion.

The session focuses on:
1. Cross-border regulatory collaboration
2. Computational regulation and multilingual, machine-readable frameworks
3. Agentic AI for regulators to navigate laws across jurisdictions4. Regional capacity building for RegTech and SupTech infrastructure

By bringing together policymakers, supervisors, and development partners, the session will identify practical steps for building a coherent, interoperable digital regulatory ecosystem across the region.

Session C3: The Rise of New Market Infrastructure: What It Is, Why It Matters, and How Regulators Should Prepare

 Financial markets are entering a new phase where traditional systems (centralized exchanges, clearing houses, regulated settlement networks) are increasingly intersecting with digital-native infrastructure (tokenized asset platforms, programmable finance layers, private credit marketplaces, and cross-border settlement using blockchain or hybrid rails). 

This new market infrastructure is already enabling fintechs and other market players to raise capital, settle transactions, and create new asset classes outside traditional channels. For regulators—especially in developing markets—many of these systems are operating in parallel to, or even outside of, existing oversight frameworks. 

This session will unpack what this new infrastructure actually looks like, how it works, and where it’s already being deployed. It will explore the opportunities it presents for market deepening and capital access, as well as the risks and challenges it introduces for financial stability, investor protection, and cross-border regulation. Participants will leave with a clearer picture of how to prepare supervisory and policy frameworks for a hybrid financial future. 

Arvind Sankaran
Senior Fintech Consultant
ADB