Scaling financial inclusion: unlocking impact through engagement banking and AI

In ASEAN, more than 80% of the population remains underbanked or unbanked. For millions, inclusive digital banking is the entry point to meaningful financial participation.

This latest edition in the Backbase-AFF Insights Series, produced in partnership with the ASEAN Fintech Forum and Sabio Research, explores how banks can lead the next wave of financial inclusion by modernizing from the outside in. The report features insights from over 15 C-level banking leaders across the region and delivers practical strategies for building human-centered digital ecosystems at scale.

Discover how leading banks are using platform banking, composable architecture, and Agentic AI to:

• Deliver hyper-personalized experiences at scale
• Simplify onboarding and servicing for underserved segments
• Build lasting trust through contextual engagement
• Modernize progressively without replacing the core

Download the report to learn how banks across ASEAN are turning financial inclusion into a long-term growth strategy.