On 8 July 2025, Asia Pacific University of Technology & Innovation (APU) hosted a panel discussion titled “Innovating for Impact: Harnessing Fintech for Sustainable Change,” bringing together fintech leaders to discuss how financial technology can drive inclusion, enable responsible innovation, and support sustainable growth in the financial industry. 

JurisTech’s CEO, See Wai Hun, joined the panel to share her views on how fintech can make financial services more accessible and responsible.

The session was part of APU’s Fintech Day 2025, aimed at fostering open discussions between industry leaders and students. The panel discussed how fintech could help solve real-world problems in banking, finance, and regulation.

The speakers were:

• Mohammad Ridzuan Abdul Aziz, Industry Advisor to APU, Non-Executive Director at AEON Bank, Independent Director at WorldRemit, and Co-founder of RollingPay. 
• See Wai Hun, CEO and Co-founder of JurisTech, a global-leading company specialising in enterprise-class lending and recovery software solutions, driving digital transformation in banking and lending. 

Moderating the discussion was Vanessa Loh Wan Chin, President and Co-founder of MyFint and Senior Pricing System Developer at Allianz Malaysia. 

The panel provided students and industry guests a chance to gain real perspectives on the role of fintech in today’s financial world.

From left: Vanessa Loh Wan Chin – President and Co-founder of MyFint, See Wai Hun, CEO and Co-founder of JurisTech, Mohammad Ridzuan Abdul Aziz – Director of WorldRemit and Board Member of AEON Bank. 

The panel opened the conversation by discussing financial inclusion and how fintech can help underserved communities access financial services. The speakers highlighted the need for affordable, simple products that meet real customer needs. They also noted that improving financial literacy is critical to building trust and encouraging adoption.

Wai Hun shared that while digital banking expands access, adoption faces real challenges. She pointed out that “fintech companies need to go beyond the technology and look at ways to build trust and literacy within communities, especially in East Malaysia.” She stressed that adoption isn’t just about making services available but about ensuring they are designed with the community’s needs in mind, considering trust, culture, and accessibility.

On the topic of responsible innovation, the panel discussed how fintech companies must balance innovation with ethical practices, maintaining transparency and integrity while meeting rising customer expectations.

Wai Hun emphasised that responsible innovation must start with embedding ethics into fintech design. She called on companies to establish AI Ethics Committees, create clear AI usage policies, ensure human oversight in critical decisions, and make AI outcomes explainable. “AI needs to be explainable and monitored, with clear accountability and ethics embedded from the start,” she said. For her, ethics is not something to fix later but a core part of how fintech should operate.

The panel also discussed the evolving role of regulators in supporting fintech innovation. They noted that regulators are becoming more collaborative, using tools like regulatory sandboxes and adopting flexible, principle-based regulations that encourage innovation while protecting consumers.

Wai Hun highlighted that regulators are “moving towards principle-based, tech-neutral regulation with an emphasis on risk-based, outcomes-focused supervision.” She said open dialogue with regulators and cross-border collaboration create a space where fintech can innovate responsibly while maintaining customer protection.

On the topic of sustainability, the panel agreed that fintech’s role extends beyond offering green financial products. They said fintech companies have a responsibility to promote fair business practices, social impact, and transparency in governance.

Wai Hun shared that Islamic finance principles, including fairness, transparency, risk-sharing, and ethical conduct, offer a strong foundation for promoting financial inclusion and responsible innovation. “Islamic finance’s emphasis on fairness, transparency, risk-sharing, and ethical conduct provides a good foundation for inclusive fintech,” she said. She noted that these principles can help fintech companies build trust, especially with communities that are cautious about digital financial services.

When the panel discussed artificial intelligence in financial services, they spoke about how AI is creating new opportunities in customer engagement, product innovation, and automation.

Wai Hun shared that AI will fundamentally transform financial services in the next five to ten years. “AI will redefine how banks create value, deliver services, and build trust,” she said. She explained that AI will enable hyper-personalised offerings, smarter customer engagement through conversational AI, and intelligent automation using agentic AI. She also cautioned that while AI can bring advanced capabilities, its use must come with clear accountability. Referring to AI’s potential, she pointed out that models like ChatGPT have shown high-level reasoning abilities, with a verbal IQ of 155, but warned that “AI needs to be responsibly adopted, with transparency and governance in place.”

Finally, the panel reflected on what it means for fintech to act responsibly. They agreed that responsibility is not just about ticking compliance boxes but about considering fintech’s broader impact on customers and society.

Wai Hun called on fintech leaders to challenge the industry’s mindset of speed at all costs. “Fintech should not adopt a ‘move fast and break things’ approach. It should prioritise care, responsibility, and long-term impact,” she said. She urged companies to embed fairness, ethics, and accountability into everything they do, from product design to customer engagement. According to her, fintech companies have the power to lead by example and set higher standards for a more inclusive and responsible financial industry.

Wai Hun receiving a token of appreciation from a representative of APU.

JurisTech thanked APU for the invitation to join the panel. The session gave students, industry leaders, and fintech professionals a chance to share ideas and learn from each other.

As fintech keeps evolving, JurisTech looks forward to joining more conversations like this. We believe that by sharing honest views and learning together, we can help shape a better future for the financial industry.

About JurisTech

JurisTech is a cloud-native, global-leading company specialising in enterprise-class lending and recovery software solutions for banks, financial institutions, telecommunications, and automobile companies worldwide. We embrace a microservices architecture to ensure scalability and flexibility in our solutions.

We power economies by reimagining financial services with cutting-edge software solutions, leveraging composable architecture and generative AI. Our offerings include artificial intelligence (AI), auto-decisioning, digital customer onboarding, loan origination, credit scoring, loan documentation, litigation, and debt collection. Our solutions have enabled businesses across a broad array of industries to undergo digital transformation, providing enhanced customer experiences and, most importantly, achieving their business goals.

JurisTech has been mentioned as a Representative Provider for Lending Ecosystems, as a Representative Vendor for Commercial Loan Origination Solutions, and as a Sample Vendor for Commercial Banking Onboarding across Gartner reports in 2024.