1. WeChat WeChat represents the ultimate super app by using its mini-programmes framework to weave payments, public services, commerce and communication into an indispensable digital ecosystem.

2. Alipay Alipay powers global financial infrastructure by unifying cross-border wallet payments, automated wealth management and AI-driven merchant solutions.

3. Grab Grab serves as Southeast Asia’ s primary everyday operating system by leveraging ride-hailing and food delivery traffic to power its regional banking, lending and micro-insurance stack.

4. KakaoTalk KakaoTalk seamlessly merges South Korea’ s primary messaging platform with heavy financial infrastructure, allowing users to handle mortgages and wealth management directly in their chat threads.

5. LINE LINE turns daily social chat engagement across Japan and Southeast Asia into a gateway for embedded banking, stock trading and personal insurance.

60 September 2026