AFF 2026 in Kuala Lumpur unites regulators, innovators, and decision-makers to tackle ASEAN’s toughest financial challenges.
From AI-driven inclusion to Shariah-compliant and ESG finance, embedded ecosystems, digital identity, and SME innovation, AFF transforms friction into cross-border solutions that scale, forging the future of finance in Southeast Asia.
Opening Panel: How to Deliver Financial Innovation That Sticks
A frank conversation with AFF 2025 award recipients on how to overcome inertia, align internal
stakeholders, and meet the region’s evolving financial needs.
10.45am – 11.05am
Panel: Beyond Access: Personalised, AI-Driven Finance for the Underserved
Discover how AI is reshaping onboarding, engagement, and trust for underbanked and digital-
native users alike.
11.05am – 11.25am
Coffee Break
11.25am – 11.45am
Panel: Scaling Shariah-Compliant and ESG Finance in a Digital Age
Dive into Islamic fintech and ESG-aligned portfolios are being scaled through embedded models
and digital infrastructure.
11.45am – 12.05pm
Panel: Embedded Ecosystems: From Transactions to Daily Relevance
Look at how banks and fintechs in ASEAN are integrating finance into everyday platforms like
transport, commerce, and lifestyle apps.
12.05pm – 12.25pm
Panel: RegTech, Consent, and Digital Identity: Building Trust at Scale
Discover how digital identity, e-KYC, and consent design are evolving to meet regional demands
for secure, seamless access.
12.25pm – 12.45pm
Panel: Microfinance & SME Innovation: Cracking the Inclusion Gap
Close the gap with fintech and alternative data, unlocking credit and tools for ASEAN’s informal
and SME sectors.