8 in 10 Southeast Asians to use fintech services in the next 12 months

About 60% of respondents have used two or more fintech services.

Nearly 7 in 10 (68.3%) of respondents in four Southeast Asian countries have used a financial technology (fintech) service, according to a survey by UnaFinancial.

Of 400 adult respondents from the Philippines, Singapore, Indonesia, and Vietnam, 80.3% say that they are likely to use fintech services within the next 12 months.

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.

About 60% of all respondents have used two or more services, with three being the most common number, the survey found.

The most frequently used services include mobile payments and digital wallets (94.1%), digital banking and neobanks (82.1%), investment and trading platforms (57.5%), cryptocurrency exchanges (38.8%), insurance technology (insurtech) apps (34.8%)  and digital lending (28.9%).

On average, men use more fintech services (2.7) than women (1.9). 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.

In terms of age, 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 (62.3%), shows rising enthusiasm for future use, with 74.0% of respondents likely to use it next year, UnaFinancial said.

The survey was conducted in November 2025.