This article is based on insights from an in-person, closed-door executive panel held in Bangkok, Thailand, where senior leaders from banking, fintech, and technology came together to discuss what “next-generation banking” really means in practice. Moderated by Michael Araneta , Lead, Banking GTM in Southeast Asia at AWS, the discussion brought together perspectives from audax , 10x Banking, GFT Technologies , and Ascend Money. Rather than focusing on theory or hype, the conversation centered on lived experience, from operating modern platforms at scale to modernizing legacy institutions witho