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Why Cross Border Payments Fail SMEs And How XTransfer Fixes It

Digital banking in Asia was supposed to change the world. Five years later, did it live up to the hype?

In this in-depth retrospective, Vincent Fong (Chief Editor, Fintech News Network) sits down with David Becker (Managing Director, Head of APAC Sales, Mambu) to unpack the last five years of the digital banking boom.

They discuss why the predicted “death of traditional banks” never happened, how incumbents managed to adapt so quickly, and why the real revolution is happening in rural financial inclusion rather than just glossy apps.

From the technical challenges of cloud-native infrastructure to the “boring but important” reality of AI in banking, this conversation covers the state of play in 2026 and what the next generation of banks will look like.