In this report
Highlight Sections
In this report
Inspiring Growth Frontiers
Exploring the Financial Landscape of LATAM & SEA
About the Study
Take a deeper look at the twin opportunities across LATAM and SEA
Primed for Adoption
Growth of Fintech Industry Transaction Values in the Region (2017-2024)
4.9x
SEA-6
(From US$79B to 390B)
6.4x
LATAM-5
(From US$139B to 889B)
Primed for Adoption
There is a clear opportunity to improve cross-border transactions
Remittance costs 2x the UN SDG’s goals
Slow transactions from legacy systems and manual verification
Lack of transparency
High costs to consumers
Consumers have increasingly turned to online banking solutions
Demand for lending continues to grow rapidly
Lending Solutions
Governments and Financial Institutions support the expansion of fintech innovation
Number of Credit Fintechs in Brazil
Resolution 4.656 (2018) allowed fintechs to offer credit directly through digital platforms, without the need for formal bank partnerships.
Lending Solutions
Global players like Credit Saison have supported these fintech companies, especially given that lending in LATAM and SEA still offer attractive returns to investors
Blockchain The Next Evolution
The next evolution of financial innovation lies with blockchain technology. With potential to address multiple challenges in the financial services sector, blockchain is laying the foundation for a new financial paradigm in LATAM and SEA.
From Physical to Tokenized
Blockchain represents the next major leap for finance, making transactions multitudes smarter, faster, more transparent
Physical Form
Before 1950s
Digital Form
From 1950s - Present day
Tokenized Form
Present day
Consumers in LATAM and SEA demonstrate high levels of blockchain adoption
SEA's Blockchain Adoption (%)
LatAm's Blockchain Adoption (%)
Blockchains are seeing some interesting use cases emerge
Optimising Financial Market Infrastructure (FMI)
$3.2T+
Optimising Financial Market Infrastructure (FMI) with a market potential of $3.2T+ KYC and AML are examples of this
Real World Asset Tokenisation
$1,437T+
lower GDP spend on social protection
Real World Asset Tokenization is another significant emerging use case of blockchain
Countries can also leverage tokenisation to expand benefits from natural resources
Case Study
Indonesia - Asset Tokenisation
The Way Forward Is Together
We are optimistic about the potential of LATAM and SEA. As mirrored markets with young, digital-savvy populations facing similar financial gaps, they are ripe for shared solutions.
Mutual investments, local adaptation, and strategic partnerships will define the next phase of growth.
We are optimistic about the potential of LATAM and SEA
Forecasted GDP Growth (US$ Trillion)*
With their shared market dynamics, the potential for cross-pollination is clear
Potential replicability of business models due to comparable consumer behaviour and market needs
Mutual investment opportunities
Cultural and economic synergies foster natural knowledge exchange
Local Partnerships are vital for success to help navigate local environments
Case Study
Partnership between Valor Capital in LATAM and Credit Saison in SEA
Aims - to unlock new credit by
Mitigating fraud risk
Facilitating trust, and
Overcoming investment barriers like weak legal enforcement and inconsistent credit structures
Key Benefits
Market Insight and Adaptation
Faster Market Entry
Guidance on differing corporate tax implications
Cost efficiency from sharing resources & expertise