The Oradian guide to South East Asia.

What do you know about fintech in South East Asia? In this paper, we share our expertise on three major emerging South East Asian markets: the Philippines, Vietnam, and Indonesia. We also compare them to the developed economies of Singapore and Malaysia to discover what lessons they can take into the future.

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AI fraud detection guide for digital-first banks in 2026

Fraud in emerging markets just changed. Rule-based fraud detection systems are obsolete. Here's why: more than 50% of fraud now involves AI, but most detection systems can't adapt faster than fraudsters iterate.

The good news is that institutions using AI fraud detection can achieve 90-99% accuracy. But only if they solve data infrastructure first.

This playbook covers everything from deepfake-enabled account opening to fraud-as-a-service marketplaces. But the centrepiece is this: the same institutions that detect fraud in real-time are the ones whose cores process transactions as events, expose customer data through APIs, and let teams investigate without a vendor ticket.

Your fraud tools are only as good as your data layer. This guide shows you how to build it.

Think bigger. Go further.

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