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Ecosystm Insights - A new age Technology Research platform to help you access latest market insights,expert opinions and research data
The Future of Finance is Digital – and Sustainable

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GreenTech is reshaping finance by fusing technology with sustainability. From startups to large financial institutions, there’s a clear push to embed climate intelligence into financial decisions. In 2024, green fintech investments hit USD 2.7B – underscoring strong momentum and growing confidence in tech-led sustainability solutions.

The focus is sharp: drive financial innovation while delivering real environmental impact.

Here’s a look at key Green Finance trends that are reshaping the industry.

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Click here to download “The Future of Finance is Digital – and Sustainable” as a PDF.

Catalysing Change: Impact Investing

Impact investing is going mainstream, especially in fast-growing emerging markets.

This shift reflects a growing realisation: private capital is critical to climate action, and tackling climate risks is a financial opportunity, not just an ethical choice.

AVPN (Asian Venture Philanthropy Network) has launched ImpactCollab – a platform linking finance professionals with verified impact organisations, due diligence tools, and monitoring resources. Initially used by private banks in Singapore to bolster philanthropy advisory, it will soon expand into blended finance and impact investing, backed by MAS.

Green bonds are also gaining momentum, driven by investor demand, regulatory tailwinds, and rising climate risk awareness. In Singapore, NUS, UOB, and Northern Trust piloted tokenised green bond reporting to boost transparency. India, meanwhile, opened its sovereign green bonds to foreign investors via the Fully Accessible Route (FAR), unlocking global capital for climate goals.

Empowering Customers with Carbon Insights

Carbon tracking is becoming a staple in digital banking, driven by a growing demand for transparency around environmental impact. Banks are responding by embedding carbon calculators into apps – enabling users to measure emissions, benchmark against national averages, and get actionable tips to reduce their footprint.

In Indonesia, Bank Mandiri has launched an in-app feature that helps customers track their personal carbon emissions, making it easy to understand the environmental impact of daily actions. The Royal Bank of Canada has partnered with a carbon management platform to offer businesses tools to monitor and manage their emissions.

These moves reflect a broader shift: banks are embedding sustainability into everyday financial behaviour and deepening customer engagement through purpose-driven services.

Blockchain-Enabled Carbon Trading

Blockchain is transforming carbon trading by enabling a decentralised, transparent, and secure way to verify and transact carbon credits.

This technology addresses long-standing issues of fraud and inefficiency, offering a more reliable and cost-effective approach to managing credits and meeting climate goals.

Thailand has eased crypto regulations to promote blockchain-based carbon trading, positioning itself as a leader in sustainable tech. Meanwhile, US-based financial services firm Northern Trust has launched a blockchain platform that allows project developers to generate, verify, and trade voluntary carbon credits in near real-time. Together, these moves signal a shift toward mainstream adoption of blockchain in carbon markets.

Addressing the Climate Risk Gap

As climate risks intensify, small and medium enterprises (SMEs) are seeking tools to assess and manage their exposure. Despite being highly vulnerable to climate events, SMEs often lack the resources to navigate complex risk landscapes.

Fintechs are stepping in with climate risk-scoring tools that help SMEs identify vulnerabilities and take proactive steps – such as securing insurance or adapting their strategies.

Marsh has highlighted the need for SME-focused climate assessments in New Zealand, particularly for high-risk sectors. Its Climate Risk Navigator helps businesses build resilience and make informed decisions on insurance and sustainability. In India, insurers like ICICI Lombard are using geospatial tech – GIS, satellite imagery, and AI – to power climate-linked products. For example, its satellite-based insurance for wheat farmers in Punjab enables faster, more accurate yield assessments and claim settlements.

Rise of Climate-Conscious Crypto

Once criticised for high energy use, crypto mining is undergoing a green makeover – fuelled by surplus renewable energy and optimised by AI.

What was seen as wasteful is now being reimagined as a tool for grid stability and sustainable growth.

In Switzerland’s Canton of Bern, Bitcoin mining is being explored as a way to absorb excess power and stabilise the grid. In the UK, mining firms are tapping into unused wind energy during off-peak hours to avoid waste. This shift is reaching emerging markets too – Pakistan is converting surplus electricity into value by launching state-backed Bitcoin mining and AI data centres, turning untapped power into economic opportunity.

Ecosystm Opinion

Becoming truly sustainable presents a unique challenge for financial organisations, as their responsibility extends beyond internal operational efficiencies to actively empowering customers and the wider ecosystem to embrace green practices. This is compounded by a growing reliance on increasingly compute-intensive and energy-inefficient technologies.

The recent and growing emphasis on Green Finance offers a promising outlook, suggesting a positive shift in the industry’s trajectory towards a more sustainable future.

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Future Forward: Reimagining Health & Life Sciences

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Advanced technology and the growing interconnectedness of devices are no longer futuristic concepts in health and life sciences – they’re driving a powerful transformation. Technology, combined with societal demands, is reshaping drug discovery, clinical trials, patient care, and even our understanding of the human body.

The potential to create more efficient, personalised, and effective healthcare solutions has never been greater.

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Click here to download “Future Forward: Reimagining Health & Life Sciences” as a PDF.

Modernising HR for Enhanced Efficiency & Employee Experience

The National Healthcare Group (NHG), a leading public healthcare provider in Singapore, recognised the need to modernise their HR system to better support 20,000+ healthcare professionals and improve patient services.

The iConnect@NHG initiative was launched to centralise HR functions, providing mobile access and self-service capabilities, and streamlining workflows across NHG’s integrated network of hospitals, polyclinics, and specialty centres.

The solution streamlined HR processes, giving employees easy access to essential data, career tools, and claims. The cloud-based platform improved data accuracy, reduced admin work, and integrated analytics for better decision-making and engagement. With 95% adoption, productivity and job satisfaction surged, enabling staff to focus on care delivery.

Automating Workflows for Better Patient Outcomes

Gold Coast Health handles a high volume of patient interactions across a wide range of medical services. The challenge was to streamline operations and reduce administrative burdens to improve patient care.

The solution involved automating the patient intake process by replacing paper forms with electronic versions, freeing up significant staff time.

A new clinical imaging solution also automates the uploading of wound images and descriptions into patient records, further saving time. Additionally, Gold Coast Health implemented a Discharge to Reassess system to automate follow-ups for long-term outpatient care. They are also exploring AI to simplify tasks and improve access to information, allowing clinical teams to focus more on patient care.

Streamlining Operations, Improving Care

IHH Healthcare, a global provider with over 80 hospitals across 10 countries, faced a fragmented IT landscape that hindered data management and patient care.

To resolve this, IHH migrated their core application workloads, including EMRs, to a next-gen cloud platform, unifying data across their network and enhancing analytics.

Additionally, they adopted an on-prem cloud solution to comply with local data residency requirements. This transformation reduced report generation time from days to hours, boosting operational efficiency and improving patient and clinician experiences. By leveraging advanced cloud technologies, IHH is strengthening their commitment to delivering world-class healthcare.

Creating Seamless & Compassionate Patient Journeys

The Narayana Health group in India is committed to providing accessible, high-quality care. However, they faced challenges with fragmented patient data, which hindered personalised care and efficient interactions.

To address this, Narayana Health centralised patient data, providing agents with a 360-degree view to offer more informed and compassionate service.

By automating tasks like call routing and form-filling, the organisation reduced average handling times and increased appointment conversions. Additionally, automated communication tools delivered timely, sensitive updates, strengthening patient relationships. The initiative has improved operational efficiency and deepened the organisation’s patient-centric focus.

Reimagining Location Services for Digital Healthcare

Halodoc, a leading digital health platform in Indonesia, connects millions of users with healthcare professionals and pharmacies.

To improve key services like home lab appointments and medicine delivery, Halodoc sought a more cost-effective and secure location service.

The transition resulted in an 88% reduction in costs for geocoding and places functionalities while enhancing data security. With better performance monitoring, Halodoc processed millions of geocoding and place requests with no major issues. This migration not only optimised costs but also resolved long-standing technical challenges, positioning Halodoc for future innovation, including machine learning and AI. The move strengthened their data security and provided a solid foundation for continued growth and high-quality healthcare delivery across Indonesia.

Driving Efficiency & Accessibility through Integrated Systems

Lupin, a global pharma leader, aimed to boost patient care, streamline operations, and enhance accessibility. By integrating systems and centralising data, Lupin wanted seamless interactions between patients, doctors, and the salesforce.

The company implemented a scalable infrastructure optimised for critical business applications, backed by high-performance server and storage technologies.

This integration improved data-driven decision-making, leading to optimised operations, reduced costs, and improved medicine quality and affordability. The robust infrastructure also ensured near-zero downtime, enhancing reliability and efficiency. Through this transformation, Lupin reinforced its commitment to providing patient-centred, affordable healthcare with faster, more efficient outcomes.

Leveraging AI for Cloud Security

Mitsubishi Tanabe Pharma’s “VISION 30” seeks to deliver personalised healthcare by 2030, focusing on precision medicine and digital solutions. The company is investing in advanced digital technologies and secure data infrastructure to achieve these goals.

To secure their expanding cloud platform, the company adopted a zero-trust model and enhanced identity management.

A security assessment identified gaps in cloud configuration, prompting tailored security improvements. GenAI was introduced to translate and summarise security alerts, reducing processing time from 10 minutes to just one minute, improving efficiency and security awareness across the team. The company is actively exploring further AI-driven solutions to strengthen security and drive their digital transformation, advancing the vision for personalised healthcare.

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Personalised Finance: Modern Marketing as a Growth Engine

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What if your bank could predict your financial needs before you even realised them? Imagine a financial institution that understands your behaviours, anticipates your needs, and engages with you meaningfully in real time. That’s the power of modern marketing. We’re not talking about one-size-fits-all campaigns; we’re talking about creating personalised experiences that resonate on an individual level. Financial institutions are increasingly recognising that when marketing is done right, it becomes a powerful driver of customer loyalty and growth.

Take Netflix, for example – the frontrunner in personalisation. They don’t just serve content; they study audience preferences to deliver exactly what each viewer wants. Now, picture banks doing the same. Banks can apply the same principles by building a complete view of each customer based on transactions, preferences, and lifestyle signals. This allows them to deliver personalised content, products, and nudges that help customers make smarter financial decisions – and feel more understood in the process.

The Opportunity: Marketing Beyond the Surface

The real opportunity for banks today is to reimagine marketing – not as a support function, but as a strategic growth engine. This means pulling marketing out of the back office and placing it at the heart of business decision-making. When marketing is deeply embedded in strategy, aligned with business goals, and backed by executive support, it becomes a force multiplier. Cross-functional teams start working in sync, campaigns become smarter and more personalised, and outcomes become measurable and meaningful. The impact? Rapid customer growth, stronger retention, and sharper product uptake. This reimagination hinges on two foundational shifts:

  • Culture Shift. Agile, cross-functional teams that focus on delivering specific customer outcomes rather than managing marketing channels in silos. These teams are empowered to act quickly, experiment, and refine based on feedback.
  • Tech-Enabled Precision. A well-governed MarTech stack that enables real-time personalisation by effectively using data, decisioning models, and delivery mechanisms. This means moving from siloed systems to unified, intelligent platforms.

When these shifts align, marketing transforms from a function into a growth engine – fuelling innovation and building deeper customer relationships.

Embracing Modern Marketing Principles

Modern marketing starts with a few foundational shifts.

1. Embedding Marketing into Business Strategy. Marketing needs to be part of business strategy from the start – not bolted on at the end. When marketers have a seat at the table during strategy planning, they can shape priorities, align efforts, and measure impact more effectively.

This requires:

  • Early involvement in strategic decision-making
  • Marketing scorecards derived from business KPIs
  • A unified voice across product, marketing, and operations

Also, Internal teams must be in sync with customer promises made externally. This means training, communication, and shared understanding across departments to ensure every touchpoint reinforces a consistent message. Whether it’s a branch interaction, a call centre response, or a chatbot exchange – each moment becomes a reflection of the brand’s commitment.

By embedding marketing within the business from the outset and aligning it with internal delivery mechanisms, organisations are better positioned to deliver on their promises and build lasting trust.

2. Turning Data into Action: Using MarTech for Smarter Decisions and Delivery. Modern marketing runs on data – but it only matters if it drives action. Banks need a systematic approach to turning raw data into relevant, timely customer experiences.

  • Organise. Cleanse and consolidate data to form a single view of each customer.
  • Decide. Apply AI/ML models to extract insights, make predictions, and personalise offerings.
  • Deliver. Communicate through the most effective channels at the right moment.

But a smart stack needs structure. MarTech governance is essential to ensure tech investments are strategic – not duplicative. A cross-functional steering committee, with voices from marketing, IT, compliance, and business leadership, should guide decisions. This keeps tools aligned with business goals and ensures interoperability.

Equally important is fostering a culture of experimentation. A/B testing and continuous learning should be baked into campaign design – not as add-ons, but as core capabilities. This sharpens performance and fuels innovation by quickly scaling what works. Each test becomes a feedback loop, feeding a smarter, more agile marketing engine.

Embedding these practices into the data-decisioning-delivery loop helps banks move from scattered insights to coordinated, high-impact engagement.

3. Outcome-Focused Teams and Operating Models. Rather than being structured around traditional channels, high-performing marketing teams operate around customer journeys and outcomes. Agile squads can be created for:

  • Seamless onboarding
  • Product activation and adoption
  • Retention and cross-sell strategies

These squads have to be multidisciplinary – combining marketing, data science, engineering, and product. They need to be empowered to experiment, move fast, and own KPIs tied to customer impact.

Outcome-driven teams focus on delivering measurable value – not just activity. For instance, a  squad working on onboarding might track completion rates and activation time, while a cross-sell squad may target conversion on tailored offers. The shift to outcome-oriented delivery ensures that efforts are tied to clear business metrics, with faster feedback loops and accountability.

By storing, organising, and analysing customer data, banks equip these teams to predict needs more accurately. Insights fuel smarter decisions – enabling real-time, context-aware offers. Paired with agile delivery, this data-led approach makes every interaction timely, relevant, and impactful.

This approach ensures agility, accountability, and focus. By reducing reliance on rigid departmental structures, teams can iterate quickly and deliver greater value across the customer lifecycle.

The Modern Marketing Imperative

As customer needs and expectations evolve, marketing must adapt to modern standards, with a tighter alignment between business and marketing to deliver delightful customer experiences and impactful outcomes. These are the new imperatives for growth.

These principles are not just theoretical – they’re actionable steps that enable banks to anticipate needs, deliver hyper-personalised experiences, and build lasting relationships. By embracing this shift, banks can move from reactive to proactive, empowering customers to make smarter financial decisions while driving loyalty and growth. Ultimately, the future of banking lies in a personalised, integrated, and data-driven experience for every customer.

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Crypto’s Crossroads: Introspection and Innovation

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This year’s theme at the ETHDenver – one of crypto’s OG annual gatherings, was “Year of the Regenerates.” This captures the core tension in Web3: the casino vs. the computer. On one side, the pump-and-dumps, meme coin frenzies, and hyper-financialisation. On the other, the cypherpunk ideals of decentralisation, open infrastructure, and a freer, fairer web.

It’s a timely moment for reflection. Crypto prices are tanking alongside global markets, Bitcoin is down, and headline scandals – like the USD1.3B hack of ByBit and millions lost by retail investors to the meme coin mania – paint a bleak picture.

But the full story isn’t just chaos and collapse. There’s real momentum beneath the noise – and a dose of optimism is exactly what the space needs right now.


ByBit: Green Shoots Amidst the Biggest Hack

The crypto market has seen renewed bearish sentiment, intensified by the USD1.5 billion ByBit hack on February 21, 2025 – the largest crypto heist to date, reportedly carried out by North Korea’s Lazarus Group. Notably, the attack’s impact was limited thanks to Copper’s Clearloop custody infrastructure, which protected user funds through its bankruptcy-remote design.

Yet despite the headline-grabbing loss, several market watchers have pointed to unexpectedly bullish signals emerging from the aftermath.

  • Reduced Leverage and Market Stability. A potential silver lining is the decline in leverage across the market. With meme coin fatigue setting in, investors may be shifting toward more sustainable strategies. This could pave the way for long-term capital, especially as independent advisors begin recommending crypto and ETF products.
  • Liquidity Injection from Loss Coverage. ByBit CEO Ben Zhou confirmed the company is covering 80% of the stolen funds through bridge loans. Some view this as bullish, arguing that while the stolen ETH remains on-chain, ByBit’s repurchases inject fresh liquidity into the market.
  • No Bank Run and Trust in Exchanges. The lack of a bank run after the hack signals strong trust in ByBit’s solvency and response. Despite being one of the biggest heists in crypto, ByBit’s handling has been steady – prices have held, and users haven’t rushed to withdraw. That, in itself, is a positive sign. CEO Ben Zhou echoed this confidence, stating: “ByBit is solvent even if the loss isn’t recovered. All client assets are 1:1 backed.”
  • Unexpected Positive Spin: Hacks as Catalysts.  A contrarian view suggests that hacks, despite their damage, can drive platform evolution. This hack, for instance, could be seen as bullish – profit was extracted from value extractors, pushing ByBit to strengthen, become more anti-fragile, and reset stale positions and liquidity. The takeaway: crises can spark necessary resets and infrastructure upgrades – an unexpected upside in an otherwise negative event.

While some views may be unconventional, they underscore a maturing market better equipped to handle challenges, offering optimism for long-term recovery and growth beyond the current value and liquidity fluctuations.

Institutional Adoption Peaking Despite Bearish Sentiment

The tokenisation of real-world assets (RWAs) and the growing institutional adoption of digital assets are gaining momentum, even amid broader bearish sentiment in the crypto market. Driven by technological innovation, clearer regulations, and tangible benefits like enhanced liquidity, cost efficiency, and streamlined operations, these trends continue to evolve. Here’s an overview of the latest developments:

  • Tokenisation of Real-World Assets. Despite bearish sentiment, the RWA tokenisation market is set for rapid growth. Analysts like Clearpool’s Ozean predict tokenised RWAs could hit a USD 50 billion market cap by 2025, driven by TradFi moving on-chain. Other forecasts from Standard Chartered (USD 30 trillion by 2034) and Boston Consulting Group (USD 16 trillion by 2030) highlight long-term potential, even if short-term conditions are volatile.
  • Expansion of Asset Classes. Tokenisation is expanding beyond U.S. Treasuries and stablecoins to include real estate, private credit, commodities, carbon credits, and intellectual property. Real estate tokenisation, for example, is unlocking liquidity in traditionally illiquid markets, with platforms showing savings in home equity lines of credit (HELOCs) and collateralised loans. The total value locked in tokenised assets surpassed USD 176 billion in 2024, a 32% increase, with non-stablecoin assets growing 53%.
  • Stablecoins as the “Killer App”. Stablecoins, pegged to assets like the U.S. dollar or treasuries, are becoming a safe haven in crypto. Their stability during market downturns has boosted their reputation as a “killer app” for blockchain, shifting focus from speculative tokens to practical, low-volatility tools. With a market cap surpassing USD 200 billion in 2025, Tether (USDT) and USD Coin (USDC) lead the way. New entrants like PayPal’s PYUSD (launched 2023) and treasury-backed stablecoins (e.g., Ondo Finance) are making waves. The “PayFi” race is on, with stablecoins integrating yield-bearing features linked to tokenised treasuries.  
  • Technological Advancements. Blockchain platforms are evolving, with AI driving RWA tokenisation and decentralised public infrastructure (DePIN). AI tools are enhancing risk assessment, compliance, and trading, making tokenised assets more attractive to institutions. Multi-chain technologies are improving interoperability and scalability, overcoming past limitations.
  • Notable Projects and Milestones.
    • BlackRock’s BUIDL Fund. Launched in March 2024, this tokenised fund became the largest of its kind, managing USD 657 million in assets by January 2025. BlackRock is also investing in tokenisation firms and exploring stablecoins, signalling a strategic shift.
    • Clearpool’s Ozean. This protocol processed over USD 650 million in loans in Q4 2024, with a 51% rise in total value locked, reflecting growing traction.
    • T-RIZE Group. In December 2023, the firm tokenised a USD 300 million residential project in Canada, showcasing real estate tokenisation at an institutional level.
    • JPMorgan. Using its Onyx platform for blockchain-based settlements, tokenisation is now seen as a “killer app” for efficiency.
    • Goldman Sachs. Its Digital Asset Platform is tokenising bonds, and repo transactions with Broadridge and J.P. Morgan total trillions monthly.
    • Deutsche Bank. Joined Singapore’s Project Guardian in May 2024 to tokenise assets, reflecting institutional global interest.
  • Regulatory Progress as a Catalyst. While regulatory uncertainty remains, 2025 shows promise. The potential appointment of crypto-friendly figures under a Trump administration could accelerate clarity in the U.S. Meanwhile, the Financial Action Task Force (FATF) is developing standards for tokenised RWAs, fostering cross-border adoption. Countries like Switzerland, Singapore, and Japan are already testing tokenised financial products, creating a more favourable regulatory environment.
  • Institutional Sentiment and Investment Surveys.  Institutional confidence is high. A BNY Mellon survey found 97% of institutional investors believe tokenisation will revolutionise asset management. EY-Parthenon research shows two-thirds of institutions are already invested in digital assets, with larger asset managers (AUM > USD 500 billion) launching tokenised funds. The Tokenised Asset Coalition found 86% of Fortune 500 executives recognise tokenisation’s benefits, with 35% actively pursuing projects.
  • Bridging TradFi and DeFi. RWAs are bridging traditional and decentralised finance. Stablecoins tied to tokenised assets (e.g., treasuries) mitigate volatility, attracting cautious institutional players. Partnerships like Ripple and Archax aim to bring hundreds of millions in tokenised RWAs to the XRP Ledger, highlighting the convergence of TradFi and DeFi.

Resilience Amid Bearish Sentiments

Despite bearish market conditions driven by crypto volatility and macro pressures like inflation, institutional adoption is gaining momentum. Tokenisation offers tangible benefits – fractional ownership, 24/7 trading, and faster settlements – that solve inefficiencies in traditional systems. These advantages hold steady, regardless of market sentiment. For example, tokenised repos minimise operational errors and unlock intraday liquidity, while tokenised yields, such as treasuries, now outpace DeFi lending rates, drawing capital even in a “crypto winter.”

Regulatory fragmentation and security risks like hacking and smart contract vulnerabilities still pose challenges, while mainstream adoption, though accelerating, trails behind pilot successes.

Yet, the fundamentals remain resilient. With upcoming upgrades like Solana’s Firedancer client and Ethereum’s Pectra, blockchain infrastructure will advance. The focus for web3 builders will shift back to innovation, not token price charts. The path from meme coins to real utility may be long, but with the talent and creativity within the ecosystem, it’s far from impossible.

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Future-Forward-Reimagining-Manufacturing
Future Forward: Reimagining Manufacturing

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The Manufacturing sector, traditionally defined by stable processes and infrastructure, is now facing a pivotal shift. Rapid technological advancements and shifting global market dynamics have rendered incremental improvements inadequate for long-term competitiveness and growth. To thrive, manufacturers must fundamentally reimagine their entire value chain.

By embracing intelligent systems, enhancing agility, and proactively shaping future-ready operations, organisations can navigate today’s industrial complexities and position themselves for sustained success.

Here are recent examples of Manufacturing transformation in the Asia Pacific.

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Click here to download “Future Forward: Reimagining Manufacturing” as a PDF.

Intelligent Automation & Efficiency

Komatsu Australia, a global industrial equipment manufacturer, tackled growing inefficiencies in its small parts department, where teams manually processed hundreds of PDF invoices daily from more than 250 suppliers.

To streamline this, the company deployed intelligent automation – AI now extracts and validates data from invoices against purchase orders and inputs it directly into the legacy mainframe.

The impact has been sharp: over 300 hours saved annually for one supplier, 1,100 invoices processed in three weeks, and a dramatic drop in manual errors. Employees have shifted to higher-value tasks, and a citizen developer program is enabling staff to build custom automation tools. With a scalable framework in place, Komatsu has not only transformed invoice processing but also set the stage for broader automation across the enterprise.

Data-Driven Insights & Agility

Berger Paints India Ltd., a leader in paints and coatings, needed to scale fast amid rising database loads and complex on-prem systems.

In response, Berger Paints migrated its mission-critical databases and core business applications – covering finance, manufacturing, sales, and asset management – to a high-performance cloud platform.

This shift boosted operational efficiency by 25%, doubled reporting and system response times, and enhanced scalability and disaster recovery with geographically distributed cloud regions. The move simplified access to data, driving faster, insight-driven decision-making. With streamlined infrastructure management and optimised costs, Berger Paints is now poised to leverage advanced technologies like AI/ML, setting the stage for continued innovation and growth.

Connected Operations & Customer Centricity

JSW Steel, one of India’s leading steel producers, set out to shift from a plant-centric model to a customer-first approach. The challenge: integrating complex systems like ERP, CRM, and manufacturing to streamline operations and improve order fulfillment.

With a robust integration platform, JSW Steel connected over 32 systems using 120+ APIs – automating processes and enabling real-time data flow across orders, inventory, pricing, and production.

The results speak for themselves: faster order fulfillment, reduced cost-to-serve, and real-time visibility that optimises scheduling. Scalable, composable APIs now support growth, while a 99.7% success rate across 7.2 million API calls ensures reliability. JSW Steel has transformed how it operates – running faster, serving smarter, and delivering better customer experiences across the entire order-to-cash journey.

Modernising Core Systems & Foundational Transformation

Fujitsu General, a global leader in air conditioning systems, was constrained by a 30-year-old COBOL-based mainframe and fragmented processes. The legacy system posed a Y2K-like risk and limited operational agility.

The company implemented a modern, unified ERP platform to eliminate risk, streamline operations, and boost agility.

By integrating functions across sales, production, procurement, accounting, and HR and addressing unique business needs with low-code development, the company created a clean, adaptable core system. Robust integration connected disparate data sources, while a central repository eliminated silos. The transformation delivered seamless end-to-end operations, standardised workflows, improved agility, and real-time insights – setting Fujitsu General up for continued innovation and long-term resilience.

Powering Growth with a Modern Network

As a critical supplier to India’s infrastructure boom, Hindalco needed to modernise its network across 55 sites – improving app performance, enabling real-time insights, and building a future-ready, sustainable foundation.

Hindalco replaced its ageing hub-and-spoke model with a modern mesh architecture using SD-WAN.

The new architecture prioritised key app traffic, simplified cloud access, and enabled segmentation. Centralised orchestration and SSE integration brought automation and robust security. The impact: 30% lower costs, 50% faster apps, real-time visibility, rapid deployment, and smarter bandwidth. Hindalco now runs on a lean, secure digital backbone – built for agility, performance, and scale.

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Greener, Smarter, Safer: BFSI’s Regulatory Agenda

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Home to over 60% of the global population, the Asia Pacific region is at the forefront of digital transformation – and at a turning point. The Asian Development Bank forecasts a USD 1.7T GDP boost by 2030, but only if regulation keeps pace with innovation. In 2025, that alignment is taking shape: regulators across the region are actively crafting policies and platforms to scale innovation safely and steer it toward public good. Their focus spans global AI rules, oversight of critical tech in BFSI, sustainable finance, green fintech, and frameworks for digital assets.

Here’s a look at some of the regulatory influences on the region’s BFSI organisations.

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Click here to download “Greener, Smarter, Safer: BFSI’s Regulatory Agenda” as a PDF.

The Ripple Effect of Global AI Regulation on APAC Finance

The EU’s AI Act – alongside efforts by other countries such as Brazil and the UK – signals a global shift toward responsible AI. With mandates for transparency, accountability, and human oversight, the Act sets a new bar that resonates across APAC, especially in high-stakes areas like credit scoring and fraud detection.

For financial institutions in the region, ensuring auditable AI systems and maintaining high data quality will be key to compliance. But the burden of strict rules, heavy fines, and complex risk assessments may slow innovation – particularly for smaller fintechs. Global firms with a footprint in the EU also face the challenge of navigating divergent regulatory regimes, adding complexity and cost.

APAC financial institutions must strike a careful balance: safeguarding consumers while keeping innovation alive within a tightening regulatory landscape.

Stepping Up Oversight: Regulating Tech’s Role

Effective January 1, 2025, the UK has granted the Financial Conduct Authority (FCA) and Bank of England oversight of critical tech firms serving the banking sector. This underscores growing global recognition of the systemic importance of these providers.

This regulatory expansion has likely implications for major players such as AWS, Google, and Microsoft. The goal: strengthen financial stability by mitigating cyber risks and service disruptions.

As APAC regulators watch closely, a key question emerges: will similar oversight frameworks be introduced to protect the region’s increasingly interconnected financial ecosystem?

With heavy reliance on a few core tech providers, APAC must carefully assess systemic risks and the need for regulatory safeguards in shaping its digital finance future.

Catalysing Sustainable Finance Through Regional Collaboration

APAC policymakers are translating climate ambitions into tangible action, exemplified by the collaborative FAST-P initiative between Australia and Singapore, spearheaded by the Monetary Authority of Singapore (MAS).

Australia’s USD 50 million commitment to fintech-enabled clean energy and infrastructure projects across Southeast Asia demonstrates a powerful public-private partnership driving decarbonisation through blended finance models.

This regional collaboration highlights a proactive approach to leveraging financial innovation for sustainability, setting a potential benchmark for other APAC nations.

Fostering Green Fintech Innovation Across APAC Markets

The proactive stance on sustainable finance extends to initiatives promoting green fintech startups.

Hong Kong’s upcoming Green Fintech Map and Thailand’s expanded ESG Product Platform are prime examples. By spotlighting sustainability-focused digital tools and enhancing data infrastructure and disclosure standards, these regulators aim to build investor confidence in ESG-driven fintech offerings.

This trend underscores a clear regional strategy: APAC regulators are not merely encouraging green innovation but actively cultivating ecosystems that facilitate its growth and scalability across diverse markets.

Charting the Regulatory Course for Digital Asset Growth in APAC

APAC regulators are gaining momentum in building forward-looking frameworks for the digital asset landscape. Japan’s proposal to classify crypto assets as financial products, Hong Kong’s expanded permissions for virtual asset activities, and South Korea’s gradual reintroduction of corporate crypto trading all point to a proactive regulatory shift.

Australia’s new crypto rules, including measures against debanking, and India’s clarified registration requirements for key players further reflect a region moving from cautious observation to decisive action.

Regulators are actively shaping a secure, scalable digital asset ecosystem – striking a balance between innovation, strong compliance, and consumer protection.

Ecosystm Opinion

APAC regulators are sending a clear message: innovation and oversight go hand in hand. As the region embraces a digital-first future, governments are moving beyond rule-setting to design frameworks that actively shape the balance between innovation, markets, institutions, and society.

This isn’t just about following global norms; it’s a bold step toward defining new standards that reflect APAC’s unique ambitions and the realities of digital finance.

Point Zero Forum 2025
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The Algorithmic Battlefield: AI, National Security, & the Evolving Threat Landscape

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AI has become a battleground for geopolitical competition, national resilience, and societal transformation. The stakes are no longer theoretical, and the window for action is closing fast. 

In March, the U.S. escalated its efforts to shape the global technology landscape by expanding export controls on advanced AI and semiconductor technologies. Over 80 entities – more than 50 in China – were added to the export blacklist, aiming to regulate access to critical technologies. The move seeks to limit the development of high-performance computing, quantum technologies, and AI in certain regions, citing national security concerns. 

As these export controls tighten, reports have surfaced of restricted chips entering China through unofficial channels, including e-commerce platforms. U.S. authorities are working to close these gaps by sanctioning new entities attempting to circumvent the restrictions. The Department of Commerce’s Bureau of Industry and Security (BIS) is also pushing for stricter Know Your Customer (KYC) regulations for cloud service providers to limit unauthorised access to GPU resources across the Asia Pacific region. 

Geopolitics & the Pursuit of AI Dominance

Bipartisan consensus has emerged in Washington around the idea that leading in artificial general intelligence (AGI) is a national security imperative. If AI is destined to shape the future balance of power, the U.S. government believes it cannot afford to fall behind. This mindset has accelerated an arms-race dynamic reminiscent of the Thucydides Trap, where the fear of being overtaken compels both sides to push ahead, even if alignment and safety mechanisms are not yet in place. 

China has built extensive domestic surveillance infrastructure and has access to large volumes of data that would be difficult to collect under the regulatory frameworks of many other countries. Meanwhile, major U.S. social media platforms can refine their AI models using behavioural data from a broad global user base. AI is poised to enhance governments’ ability to monitor compliance and enforce laws that were written before the digital age – laws that previously assumed enforcement would be limited by practical constraints. This raises important questions about how civil liberties may evolve when technological limitations are no longer a barrier to enforcement. 

The Digital Battlefield

Cybersecurity Threat. AI is both a shield and a sword in cybersecurity. We are entering an era of algorithm-versus-algorithm warfare, where AI’s speed and adaptability will dictate who stays secure and who gets compromised. Nations are prioritising AI for cyber defence to stay ahead of state actors using AI for attacks. For example, the DARPA AI Cyber Challenge is funding tools that use AI to identify and patch vulnerabilities in real-time – essential for defending against state-sponsored threats. 

Yet, a key vulnerability exists within AI labs themselves. Many of these organisations, though responsible for cutting-edge models, operate more like startups than defence institutions. This results in informal knowledge sharing, inconsistent security standards, and minimal government oversight. Despite their strategic importance, these labs lack the same protections and regulations as traditional military research facilities. 

High-Risk Domains and the Proliferation of Harm. AI’s impact on high-risk domains like biotechnology and autonomous systems is raising alarms. Advanced AI tools could lower the barriers for small groups or even individuals to misuse biological data. As Anthropic CEO Dario Amodei warns, “AI will vastly increase the number of people who can cause catastrophic harm.” 

This urgency for oversight mirrors past technological revolutions. The rise of nuclear technology prompted global treaties and safety protocols, and the expansion of railroads drove innovations like block signalling and standardised gauges. With AI’s rapid progression, similar safety measures must be adopted quickly. 

Meanwhile, AI-driven autonomous systems are growing in military applications. Drones equipped with AI for real-time navigation and target identification are increasingly deployed in conflict zones, especially where traditional systems like GPS are compromised. While these technologies promise faster, more precise operations, they also raise critical ethical questions about decision-making, accountability, and latency. 

The 2024 National Security Memorandum on AI laid down initial guidelines for responsible AI use in defence. However, significant challenges remain around enforcement, transparency, and international cooperation. 

AI for Intelligence and Satellite Analysis. AI also holds significant potential for national intelligence. Governments collect massive volumes of satellite imagery daily – far more than human analysts can process alone. AI models trained on geospatial data can greatly enhance the ability to detect movement, monitor infrastructure, and improve border security. Companies like ICEYE and Satellogic are advancing their computer vision capabilities to increase image processing efficiency and scale. As AI systems improve at identifying patterns and anomalies, each satellite image becomes increasingly valuable. This could drive a new era of digital intelligence, where AI capabilities become as critical as the satellites themselves. 

Policy, Power, and AI Sovereignty

Around the world, governments are waking up to the importance of AI sovereignty – ensuring that critical capabilities, infrastructure, and expertise remain within national borders. In Europe, France has backed Mistral AI as a homegrown alternative to US tech giants, part of a wider ambition to reduce dependency and assert digital independence. In China, DeepSeek has gained attention for developing competitive LLMs using relatively modest compute resources, highlighting the country’s determination to lead without relying on foreign technologies.  

These moves reflect a growing recognition that in the AI age, sovereignty doesn’t just mean political control – it also means control over compute, data, and talent. 

In the US, the public sector is working to balance oversight with fostering innovation. Unlike the internet, the space program, or the Manhattan Project, the AI revolution was primarily initiated by the private sector, with limited state involvement. This has left the public sector in a reactive position, struggling to keep up. Government processes are inherently slow, with legislation, interagency reviews, and procurement cycles often lagging rapid technological developments. While major AI breakthroughs can happen within months, regulatory responses may take years. 

To address this gap, efforts have been made to establish institutions like the AI Safety Institute and requiring labs to share their internal safety evaluations. However, since then, there has been a movement to reduce the regulatory burden on the AI sector, emphasising the importance of supporting innovation over excessive caution.  

A key challenge is the need to build both policy frameworks and physical infrastructure in tandem. Advanced AI models require significant computational resources, and by extension, large amounts of energy. As countries like the US and China compete to be at the forefront of AI innovation, ensuring a reliable energy supply for AI infrastructure becomes crucial. 

If data centres cannot scale quickly or if clean energy becomes too expensive, there is a risk that AI infrastructure could migrate to countries with fewer regulations and lower energy costs. Some nations are already offering incentives to attract these capabilities, raising concerns about the long-term security of critical systems. Governments will need to carefully balance sovereignty over AI infrastructure with the development of sufficient domestic electricity generation capacity, all while meeting sustainability goals. Without strong partnerships and more flexible policy mechanisms, countries may risk ceding both innovation and governance to private actors. 

What Lies Ahead 

AI is no longer an emerging trend – it is a cornerstone of national power. It will shape not only who leads in innovation but also who sets the rules of global engagement: in cyber conflict, intelligence gathering, economic dominance, and military deterrence. The challenge governments face is twofold. First, to maintain strategic advantage, they must ensure that AI development – across private labs, defence systems, and public infrastructure – remains both competitive and secure. Second, they must achieve this while safeguarding democratic values and civil liberties, which are often the first to erode under unchecked surveillance and automation. 

This isn’t just about faster processors or smarter algorithms. It’s about determining who defines the future – how decisions are made, who has oversight, and what values are embedded in the systems that will govern our lives.  

The Resilient Enterprise
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Future Forward: Reimagining Education

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The education sector is evolving rapidly, driven by technological innovation and shifting societal needs. This transformation extends beyond digitisation, requiring a fundamental rethink of how students and employees engage. AI-driven personalisation, immersive virtual environments, and data analytics are reshaping curricula, teaching strategies, and operational efficiency.

Here are recent examples of transformation across the Asia Pacific.

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Click here to download “Future Forward: Reimagining Education” as a PDF.

Streamlining Service Delivery

Griffith University struggled with fragmented systems and siloed information, leading to inconsistent service and inefficiencies. Managing support for over 45,000 students became unsustainable, demanding a streamlined solution.

By adopting an enterprise service management platform, Griffith consolidated multiple portals into a single system, automating ticketing, request management, and AI-driven self-service.

Starting with library services, the transformation expanded across IT, HR, legal, and other functions, improving accessibility and collaboration. The impact was immediate: self-service surged by 87%, first-contact resolution jumped by 43%, and incident resolution time dropped by 25%. Call volume fell 31% and email inquiries 46%. Now scaling the platform university-wide, Griffith is streamlining service for students and staff.

AI for Recruitment & Content

The Indian Institute of Hotel Management (IIHM) sought to improve recruitment efficiency and enhance educational content creation. Manual hiring processes were slow and inconsistent, while developing high-quality learning materials was resource-intensive.

IIHM implemented an AI-driven platform to automate candidate assessments and generate accurate, engaging educational content.

This transformation cut interview times by half, improved hiring precision to 90%, and boosted student job placements by up to 30%. AI-generated materials reached 95% accuracy, creating a more effective learning experience. With stronger recruitment and enriched education, IIHM continues to reinforce its leadership in hospitality training.

AI-Accelerated Research

La Trobe University sought to harness GenAI to streamline research operations and accelerate market entry. Researchers faced challenges in accessing university-approved knowledge efficiently, while limited development capabilities slowed the commercialisation of research findings.

By implementing a retrieval-augmented generation (RAG) system, La Trobe enabled rapid, AI-powered access to research data, initially tested on autism studies.

Simultaneously, the university co-developed an AI-driven application to transform research into market-ready solutions faster. AI-driven development reduced time from months to weeks, with core components built in under a week. By leveraging in-house AI tools, La Trobe achieved an 8.7x cost reduction compared to outsourcing. This initiative positioned the university as a leader in AI-driven innovation, bridging the gap between academia and industry.

AI-Driven Personalisation

BINUS University aimed to future-proof its operations and student learning experiences. With GenAI reshaping education, the university sought to integrate AI into administration and teaching to boost efficiency and deliver adaptive, personalised learning.

BINUS has integrated AI across key areas, driving efficiency and personalisation.

AI-powered student intake predictions have reached 90% accuracy, optimising resource allocation across 14 campuses. GenAI automates Diploma Supplement Document (DPI) creation, reducing manual effort and improving accuracy. AI enhances the library system with personalised book recommendations and powers the AI Tutor for faster, tailored academic feedback. AI-driven language learning platforms further boost student engagement.

Unified Digital Workflows

Western Sydney University (WSU) faced inefficiencies from over 32 shared email addresses and paper-based forms, causing delays, poor inquiry tracking, and complicated administration – hindering timely, effective support.

WSU launched WesternNow to replace outdated systems with a unified digital platform, streamlining service requests, enhancing case tracking, cutting manual processes, and improving the user experience for students and staff.

This made WSU’s service delivery more responsive and efficient. The platform drastically improved efficiency, cutting request logging time from over 4 minutes to seconds. Staff tracked and resolved cases seamlessly without sifting through emails. Workflow digitisation eliminated most paper forms, saving time and resources, while consolidating forms into services reduced their number by 40%.

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The AI Agent Advantage: Addressing Marketing’s Core Challenges 

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For marketers, the “golden goal” has always been to deeply understand customers, enabling more effective cross-selling, upselling, and targeted campaigns. The promise of maximising wallet share hinges on this fundamental principle. Imagine having technologies that can analyse customer journeys deeply, uncovering meaningful, real-time insights into customer behaviour and sentiment. This rich, dynamic data could empower marketing teams to move beyond static profiles, gaining immediate visibility into how customers react to campaigns, messages, and interactions across all channels. 

Data Fragmentation: The CMO’s Blind Spot 

However, achieving this goal has become increasingly difficult. The modern marketing stack, built upon CRM, content marketing platforms, retargeting ad solutions, social listening tools, and countless other applications, often operates in silos. This wide, disconnected array of tools creates a significant challenge: making sense of the fragmented data. Efforts to truly understand customers and identify valuable prospects frequently fall short of desired outcomes. The lack of integration and the sheer volume of disparate data leave marketers struggling to connect the dots and extract actionable insights. 

Unified Customer Vision: AI Agents for Intelligent Marketing 

The solution lies in leveraging AI agents that operate seamlessly in the background. By implementing AI agents, CMOs can gain a comprehensive understanding of their customers, enabling them to run more effective campaigns, drive greater wallet share, and build stronger, more meaningful customer relationships. 

These intelligent agents can bridge the gaps in customer data, sentiment, and campaign perception by accessing and processing information across the entire marketing stack. By learning from metadata, successful and failed campaigns, and a broad range of customer insights – including conversational and digital contact centre data – these agents can provide a unified view of the customer. 

What They Bring to the Table 

  • Unified Data Access. AI agents can traverse siloed marketing applications, extracting and correlating data from various sources. 
  • Real-Time Insight Generation. They can analyse customer interactions, including social media sentiment, conversational AI data, and voice bot interactions, to provide dynamic, real-time insights. 
  • Autonomous Action & Adaptation. Agentic workflows can adapt to campaigns, email blasts, and lead generation activities autonomously, refining strategies and messaging on the fly. 
  • Content Curation & Optimisation. Content curation agents can tailor content based on real-time customer feedback and preferences. 
  • Proactive Opportunity Identification. By identifying gaps in customer understanding and campaign performance, AI agents can empower marketers to uncover new opportunities for engagement and growth. 

Extending AI Agent Value: Practical Applications for the Modern CMO 

Beyond unified data access and autonomous action, AI agents offer a wealth of practical applications that can revolutionise marketing operations. Consider the following scenarios: 

  • Automating Time-Consuming Tasks. Identify and offload repetitive, manual tasks associated with campaign execution and lead generation to a team of AI agents, freeing up valuable human resources for strategic initiatives. 
  • Enhancing Sales Pipeline Intelligence. Leverage AI agents to extract insights from sales pipelines and customer feedback, enabling data-driven campaign adjustments and improved sales alignment. 
  • Real-Time Sentiment Analysis. Deploy multiple AI agents to monitor customer sentiment across conversations and social media platforms, providing immediate feedback on campaign effectiveness and brand perception. 
  • Strategic Scenario Planning. Use AI agents to formulate and evaluate various marketing spend scenarios across different channels and agencies, optimising resource allocation and maximising ROI. 
  • Dynamic Campaign Monitoring. Implement AI agents to track campaign performance in real-time, allowing for immediate adjustments and optimisation. 
  • Event Sentiment Analysis. Employ AI to monitor customer sentiment during live events, providing immediate insights into audience reactions and engagement. 
  • Unlocking Conversational Intelligence. Extract valuable insights from sales conversations and contact centre interactions, feeding them into future sales strategies and upselling opportunities. This extends beyond relying solely on CRM data, providing a richer, more nuanced understanding of customer interactions. 

By implementing these capabilities, CMOs can transform their marketing operations, moving from reactive to proactive, and ultimately driving greater customer engagement and business success. 

The “Wow” Factor: Agentic AI and Unified Data 

Ultimately, the pursuit of a seamless customer journey and deeper conversational engagement hinges on bridging the persistent departmental disconnect. Despite each team interacting with the same customer, data remains siloed, hindering a holistic understanding and unified approach. 

The missing link lies in fostering a dynamic, interconnected data ecosystem where insights from campaigns, social listening, contact centre conversations, chatbot interactions, VoC programs, marketing applications, and CRM flow freely and mutually reinforce each other.  

This is where Agentic AI steps in. By empowering AI agents to adapt and act autonomously across these diverse data sources, we create a symphony of customer intelligence. These agents, working in harmony, unlock the potential for real-time, actionable insights, enabling marketers to craft truly exceptional, “wow” moments that resonate deeply with customers. In essence, Agentic AI transforms fragmented data into a unified, powerful force, driving unparalleled customer experiences and forging lasting brand loyalty. 

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