A recent study by UnaFinancial has highlighted the growing adoption of financial technology services across Southeast Asia, with 68.3% of respondents in Singapore, the Philippines, Indonesia, and Vietnam having used fintech services. The survey, conducted in November 2025, involved 400 adults and revealed that 60% of participants have used two or more fintech services, with three being the most common number.
The study indicates a strong future interest, with 80.3% of respondents likely to use fintech services in the next 12 months. Mobile payments and digital wallets are the most popular services, used by 94.1% of those surveyed, followed by digital banking and neobanks at 82.1%. Investment and trading platforms, cryptocurrency exchanges, InsurTech apps, and digital lending also feature prominently among users.
Distinct patterns emerged in the data, showing that men generally use more fintech services than women, with higher engagement in investment and cryptocurrency platforms. Conversely, women show greater adoption in digital lending and InsurTech apps. Age trends reveal that the 26–35 and 46–55 age groups have the highest adoption rates, whilst those aged 56 and above, despite lower current usage, show a strong intent to adopt fintech services in the future.
UnaFinancial analysts noted, “These data confirm that fintech has firmly entered the mainstream in Southeast Asia. Consumers are not only adopting digital financial services at scale, but are increasingly comfortable using multiple platforms for different needs.”
The findings underscore the importance for fintech companies to offer trustworthy, accessible, and locally relevant products to capitalise on this growth.
