• Kevan Chow, Group Chief Financial Officer, MariBank
• Coenraad (Coen) Jonker, Founder & CEO, Tyme Group
• Andy Nguyen Tran, Executive Chairman, Zalopay
• Joan Yao, General Partner, Kickstart Ventures, Inc
• Dmitry Levit, Founder & General Partner, Cento Ventures [Moderator]

Southeast Asia’s financial innovators now now face the same challenge of growth in a capital-constrained, margin-pressured environment where scale alone no longer guarantees survival. With dry powder thinning out, regulators watching closely, and acquisition costs climbing, financial innovators/fintech players must prove one thing: they can last. In this panel, we will discuss how fintech leaders have adapted their models for longevity and what achieving profitability looks like in their verticals. Gain insights from investors and leaders on what it takes to break down the new rules of the game, from pricing risk and acquiring customers, to defending margins and choosing battles wisely in an increasingly competitive space.