Fintech in SE Asia turning into an ecosystem play. What next?

Accelerated digital adoption across-the-board, during the pandemic years, has opened up an array of opportunities in the fintech space that go way beyond the payments and allied spaces. Digital financial services are increasingly becoming a vast ecosystem play either through partnerships or acquisitions, particularly in the banking space, as tech startups seek to tap a huge user base and lower cost of funds. How will the fintech ecosystem play build out in SE Asia? How critical will the financial services layer be for developing super apps?