5 fintechs to watch in Asia

The fintech scene in Asia is booming. In recent years, the region has developed rapidly, with a diverse array of startups and established banks transforming how financial services are delivered and consumed.

This growth is driven by a surge in financial app installations, particularly in developing markets, indicating a shift in the financial services landscape and consumer demand within the region.

By the end of 2025, total transaction volumes for the industry are expected to reach $18.9 trillion - a 12.6% year-on-year increase and a statement that the region is a hub for fintech investment and growth.

China and India are setting the tone for innovation, while Singapore is excelling in mobile payment solutions, and countries like Japan are seamlessly integrating fintech into daily life. 

Asia is also known for its thriving Super App ecosystem. Giants like WeChat in China boast over one billion monthly users, AliPay in India is the world’s largest mobile payments platform, and Grab has over 180 million users in Southeast Asia.

The rise of these Super Apps has seen financial services embed itself alongside other daily digital activities, with users able to make payments alongside chatting with friends, playing games, and even booking doctors’ appointments. 

And as they say, a rising tide lifts all boats. The success of Super Apps, coupled with a thriving fintech landscape, is taking digital banking to new heights and, in turn, raising the standards for user experiences across the region. 

In this article, I'm looking at five fintechs to watch from Asia and what our experts here at 11:FS Pulse love about their customer experiences.

#1 SadaPay

SadaPay is a Pakistan-based neobank that’s shaking up the country's traditional financial system with a mobile-first platform designed to make money simpler, faster, and more accessible. Targeting a digitally savvy population underserved by legacy banks, SadaPay offers fee-free banking, intuitive money tools, and a Mastercard-enabled digital wallet—all accessible through a sleek, user-friendly app.

Recently, SadaPay gained regulatory approval to expand its services under Pakistan’s Electronic Money Institution (EMI)  license. 

What we love about its UX:

• Instant, zero-fee local transfers are wrapped in a frictionless, modern interface.
• A free virtual and physical Mastercard combines with some of the best FX rates in the region.
• A polished app design with smooth navigation and responsive live chat support.
• Payments are integrated natively using Pakistan’s instant payments system, Raast, streamlining merchant and everyday transactions.

#2 Jupiter

Jupiter is an Indian digital banking app that offers its customers smart insights based on their spending, as well as a range of new-age features to enable them to make sense of their finances. With over 3 million users, Jupiter claims to be “1-app for everything money”, offering savings, cashback, investments, credit cards, and more. 

At the forefront of the neobank revolution in India, Jupiter has raised over $160 million in funding across six rounds, with investors including QED, Nubank, Tiger Global, and Sequoia Capital.

What we love about its UX:

• Smart spend insights and goal-based “Pots” for budgeting are surfaced in a clean, intuitive interface.
• Rewards and cashback on everyday usage come with real-time feedback and tracking.
• Fast digital onboarding and seamless debit card management with full in-app control.
• Expanded money tools and AI-led saving features offer personalised money management.

#3 Gojek

Gojek is an Indonesian super app that offers services ranging from ride-hailing and food delivery to digital payments and logistics. Operating across Indonesia, Vietnam, Thailand, and Singapore, it aims to drive socio-economic impact by supporting customers, driver-partners, businesses, and MSMEs.

Gojek has 190 million app downloads, 20+ products, and partners with over 2 million drivers. Its payment arm, GoPay, now operates as an independent app and is a key driver for growth helping to expand digital financial access across the region. 

What we love about its UX:

• Embedded financial solutions like insurance and payments are presented at timely moments.
• A welcoming visual design and tone of voice creates a friendly, stress-free environment.
• One-task-per-screen for journeys like onboarding keeps the user focused and avoids cognitive overload.
• Dynamic gamification drives engagement and loyalty for driver-partners and consumers.

#4 Toss

Toss is a South Korea-based mobile financial service platform operated by tech firm, Viva Republica. Its application offers P2P money transfers, credit score and bank account management, access to loan and insurance plans, split bill options, QR payments, along with other services that empower users to better manage their finances.

With 24 million monthly users and profitability achieved for the first time in 2024, Toss is seeking international expansion and is reportedly eyeing a US listing in Q2 2026, with a valuation of more than $10 billion.

What we love about its UX:

• A unified view of bank accounts, credit cards, insurance, investments, subscriptions, and more.
• In-app credit scoring, budgeting tools, and loan comparisons give users broad financial control.
• Accessibility-led UX refinement done through direct user feedback.
• Financial tips and insights within the app provide meaningful decision support to the user​.

#5 Maya 

Maya is a Philippines-based digital finance platform offering services like loans, insurance, and investments. Maya combines wallet and banking features in a single app, making it one of the country’s most comprehensive fintech offerings.

In 2024, Maya served 5.4 million customers and became profitable with deposit balances reaching $664 million and merchant payments exceeding $17 billion.

What we love about its UX:

• Crypto, credit builder, and daily interest tracking are all packaged neatly in one experience.
• A Gen Z-friendly design offers a bold and vibrant environment, unique from cold banking apps.
• Smart QR payments give users a seamless, instant method for managing transactions.
• Gamified saving and spending creates an engaging end-to-end  experience.

What’s next for fintech in Asia? 

Asian fintech is rewriting the rules of banking. Innovative brands are disrupting the status quo with bold solutions that flip traditional models on their head and push financial inclusion to new heights.

These innovations promote financial inclusion, introduce gamification and intuitive UI, and improve the customer experience by creating tailored user journeys, real-time communication channels, and impressive super-apps.

The sector is set for explosive growth, with deeper tech integration and tighter partnerships with legacy banks delivering richer, more accessible services across the region.

And as always, the place to stay up to speed with all of these developments and new product releases is 11:FS Pulse - home to over 17,000 handpicked, best-in-class user journeys from every corner of the financial world.

Book your demo with our team of UX experts today at 11fs.com/pulse