This panel will discuss the opportunities and regulatory challenges of the fintech market and their implications for business models, competitive dynamics and financial inclusion. It will explore perspectives and case studies in payments, credit origination and embedded finance, as well as regulators’ key priorities, including data governance, cyber resilience, financial integrity and consumer protection. The discussion will also examine practical pathways for market entry and partnerships, the evolution of open finance and the role of proportionate, innovation-friendly regulation in reconciling growth, stability and regulatory convergence across jurisdictions.