Why local payments are the battleground for SEA digital commerce - Tech Collective

▤ Summary

The article examines why local payment methods are becoming the key battleground in Southeast Asia’s digital commerce market. It explains how the region skipped the card-first model and moved directly to wallets, account-to-account transfers, and QR payments. It uses EBANX’s Southeast Asia expansion to show how cross-border payment infrastructure now matters for conversion, reconciliation, FX, and settlement. It also highlights the opportunity for fintech and commerce vendors that can simplify orchestration across fragmented local payment rails.

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