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Asian fintech enters accelerated innovation phase

Smart approach to the pandemic has brought the future forward

| North America
A logo of Australia's AfterPay in a store window in Sydney, pictured in July 2020: embedded finance is changing the structure of traditional retail finance.   © Reuters

Tilman Ehrbeck is managing partner at Flourish, a global venture investment company. He is based in Washington, D.C.

When COVID-19 first struck a year ago, startup entrepreneurs and early-stage investors paused briefly to assess what the pandemic might mean for the burgeoning theme of fintech innovation. Rather than threatening new financial business models, though, the pandemic has brought the future forward, dramatically accelerating changes to customer behaviors and industry structure in Asia and beyond.

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