技术与基础设施认知：核心银行系统、云与API

BRIDGING THE DIVIDEAN ASEAN FINTECH SKILLS FRAMEWORKFOR INDONESIA, THE PHILIPPINES,SINGAPORE, AND VIET NAM AUG 2026 © 2026 Asian Development Bank (ADB) and the Global Fintech Institute (GFI) Some rights reserved. Published in 2026 ISBN 978-92-9277-889-7 (print)ISBN 978-92-9277-890-3 (PDF)DOI:http://dx.doi.org/10.22617/TCS260335-2 For ADB, the views expressed in this publication are those of ADB authors and do not necessarily reflect the views andpolicies of ADB or its Board of Governors or the governments they represent. ADB does not guarantee the accuracy ofthe data included in this publication and accepts no responsibility for any consequence of their use. The mention ofspecific companies or products of manufacturers does not imply that they are endorsed or recommended by ADB inpreference to others of a similar nature that are not mentioned. By making any designation of or reference to a particularterritory or geographic area in this document, ADB does not intend to make any judgments as to the legal or other statusof any territory or area. For GFI, the views expressed in this publication are those of the authors and do not necessarily reflect the views of theGlobal Fintech Institute, its governing body, members, partners, or affiliated institutions. This publication is available under the Creative Commons Attribution 3.0 IGO license (CC BY 3.0 IGO)https://creativecommons.org/licenses/by/3.0/igo/. By using the content of this publication, you agree to be bound by theterms of this license. For attribution, translations, adaptations, and permissions, please read the provisions and terms ofuse athttps://www.adb.org/terms-use#openaccess. This CC license does not apply to non-ADB or non-GFI copyrightmaterials in this publication. If the material is attributed to another source, please contact the copyright owner or publisherof that source for permission to reproduce it. ADB and GFI cannot be held liable for any claims that arise as a result ofyour use of the material. Acknowledgments We gratefully acknowledge the government agencies, regulators, industry bodies, employers, education andtraining providers, and workforce stakeholders across Indonesia, the Philippines, Singapore, and Viet Namwho contributed their time and perspectives through interviews, the regional survey, and the senior roundtablediscussions. To protect confidentiality, individual names are not listed; however, their insights were essential tothe analysis and shaped the report’s findings and proposed framework directions. Prepared by the Global Fintech Institute (GFI), with support from the Asian Development Bank (ADB). Thework was led by Prof. David Lee Kuo Chuen and Dr. Lim Young Sain Joseph as main consultants. The authorsalso acknowledge the contributions of Vincent Chan Yuen Mun, Frediezel De Leon and Lily Zhou Danyi of theGlobal Fintech Institute in supporting the research, analysis, and preparation of this report. ADB recognizes “Hong Kong” as Hong Kong, China. Table of Contents AcknowledgmentsTable of ContentsTables & FiguresTablesFigures Executive SummaryKey messagesWhat we foundRecommendationsAt-a-glance roadmap 1. IntroductionPurpose of the reportWhy fintech workforce readiness is a regional issueScope and coverageRegional and global context 2. Conceptual framing3. Methodology and dataLiterature review methodPrimary quantitative research methodPrimary qualitative engagement methodPolicy and mobility analysis methodLimitations 4. Literature Review and BenchmarkingDesk review scope and selection of benchmark marketsBenchmark market case studiesComparative lessons from the benchmark marketsOther frameworks 5. Context and system overview6. Fintech competency gaps and emerging roles and skillsWorkforce context across the four focus marketsSkills demand and priority gapsSkills landscape by country in priority domainsTraining, upskilling, and reskilling constraintsCross-country comparison and regional themes 7. Comparative benchmarking of fintech education strategies and government-led initiatives8. Regional alignment of workforce standards across ASEAN and mobility considerationsRegional mechanisms relevant to mobility and skills recognitionCountry policy landscape and current initiativesMobility barriers and friction pointsExisting enablers and good practicesPriority roles and skills for mobility pathwaysPriority domains for cross-country mobilitySkills requirements for mobility-ready roles 9. Draft fintech competency matrix and applicationPurpose and intended usersRationale and design principles Proficiency levels and descriptorsDraft TSI framework structure and contentGuidance on practical applicationItems for validation and refinement 10. Stakeholder engagement insightsKey themes from stakeholder engagement 11. Synthesis of findings12. Strategic recommendationsConsiderations for governmentsConsiderations for the private sectorConsiderations for universities and educatorsImplementation challenges and opportunitie