If you take a look at all the news about fintech startups, you might get a feeling that the new financial services are built for retail clients and not for businesses. However, these are the entrepreneurs who may become drivers of fintech, especially in Asia.

First, SMEs (small-medium enterprises), retail and overall entrepreneurship culture are highly developed in Southeast Asia. Second, we should clarify what exactly do we mean by ‘SME’. I believe the target audience for SMEs can be split in three segments that are most receptive to new technologies and demonstrate the highest customer involvement at the same time.