Bryan Tay is General Manager of the Singapore FinTech Association, leading a secretariat that sits at the intersection of government, fintechs, capital, and academia. With his ear to the ground across 500+ member companies, he offers a view of how the ecosystem is moving — commercially and from a regulatory standpoint.

The Singapore FinTech Association (SFA) is a MAS-supported industry body representing over 500 fintech member companies. It drives ecosystem development through member engagement, regulatory liaison, talent development, and funding infrastructure — positioning Singapore as a global fintech hub and facilitating collaboration between fintechs, financial institutions, and regulators.

Panel Discussion: Is Regulation a Driver of Barrier to Innovation?

As digital currencies reshape global finance, regulation sits at the center of both opportunity and tension. This panel explores how smart regulatory frameworks can enable trust, scale, and innovation—while poorly designed rules risk slowing technological progress and excluding emerging players.