Japan’s FinTech frontier: Why trust and collaboration are to growth
On the main stage at the Singapore FinTech Festival 2025, industry leaders explored how Japan’s fintech ecosystem is driving innovation and inclusion across Asia. The message was clear: success in Japan requires trust, collaboration, and alignment with a sophisticated regulatory environment.
Rob Schimek, Group CEO of bolttech, highlighted why partnerships matter:
“They’re digitally savvy, very protection-oriented, and you have a regulator who’s extremely sophisticated and disciplined.”
Makoto Shibata, Head of FINOLAB and Chief Community Officer at FINOLAB Inc., emphasised the role of collaboration in shaping Japan’s fintech landscape:
“Acquisition is one thing, but there are more strategic investments… and new types of banking-as-a-service creating new value propositions.”
Masashi Namatame, Senior Managing Executive Officer and Group Chief Digital Officer at Tokio Marine Holdings, reflected on the pace of digital transformation:
“Most recent 10 years have been just amazing, because Japan’s digital innovation in the banking industries have been almost entirely unlocked.”
Japan’s fintech trajectory is defined by strategic investments, banking-as-a-service models, and a collaborative approach that unlocks new value propositions. For foreign institutions, working through trusted partners is essential to meet consumer expectations and regulatory precision.
Read the full article on Singapore Business Review: https://sbr.com.sg/news/foreign-institutions-pursue-market-entry-japan-strengthens-fintech-rules
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