SINGAPORE / AGILITYPR.NEWS / November 18, 2025 / A survey of 400 consumers in the Philippines, Singapore, Indonesia, and Vietnam reveals widespread adoption of financial technology services, use of multiple services, and strong intent to use digital financial tools in the coming year. 

According to a recent study by UnaFinancial, 68.3% of respondents in Southeast Asia have ever used a fintech service. About 60% of all respondents have used two or more services, with three being the most common number. 

Looking ahead, enthusiasm remains strong: 80.3% say they are likely to use fintech services within the next 12 months.

Among respondents who have ever tried a fintech service, the most frequently used offerings include mobile payments and digital wallets (94.1%), digital banking and neobanks (82.1%), investment and trading platforms (57.5%), cryptocurrency exchanges (38.8%), InsurTech apps (34.8%) and digital lending (28.9%). 

The survey also uncovered distinct age and gender patterns in fintech usage. On average, men use more fintech services (2.7) than women (1.9). Men are more engaged in investment (61.3% vs. 52.2%) and cryptocurrency platforms (45.0% vs. 30.1%). In contrast, women show higher adoption in digital lending (31.0% vs. 27.5%) and InsurTech apps (36.3% vs. 33.8%). Overall, 77.7% of men and 58.3% of women have used fintech, while 85.4% of men and 74.7% of women intend to use it next year.

Age trends point to a maturing yet expanding market. The 26–35 and 46–55 age groups show the highest fintech adoption rates (over 71%), while the 56+ group has lower current usage (59%) but strong intent to adopt (81.8%). The 18–25 group, though less active today (62.3%), shows rising enthusiasm for future use, with 74.0% of respondents likely to use it next year.

“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. Fintechs that deliver trustworthy, accessible, and locally relevant products will be best positioned to lead this growth,” said UnaFinancial analysts.

The survey was conducted online in November 2025. It included 400 adults (aged 18 and above) across four Southeast Asian markets - 100 respondents each from the Philippines, Singapore, Indonesia and Vietnam.