Financial innovation in Asia is accelerating, but not in a uniform way. Markets across the region move at very different speeds, shaped by culture, regulation, and consumer behavior. At the same time, major technological shifts are underway.

In this episode of ATP, Chee Beh, SVP & GM APAC at Yuno, explains how the center of gravity is shifting from Generative to Agentic AI, where autonomous agents do not just make recommendations but execute end-to-end actions.

Some of the topics that Chee discussed in detail included:

• Last year’s frontier was GenAI. This year’s is agentic AI: autonomous, goal-oriented agents that don’t just suggest, but do.
• Autonomous commerce agents are only half the story. Payments agents will choose among your payment methods to optimize for your payment objectives.
• Payment or frankly any technological optimization is getting more and more personalized and multi-dimensional.
• For agentic commerce to complete the loop, merchant agents and consumer agents must communicate seamlessly, with payment orchestrators acting as the connective tissue.
• Southeast Asia markets behave like startups: price-sensitive, experiment-friendly, and hungry for growth. Japan behaves more like an enterprise: precision, trust in institutions, and measured adoption.