In the rapidly evolving landscape of Southeast Asia, the boundaries between financial services and everyday digital experiences are dissolving. At the heart of this transformation is SCB Tech X, a platform-as-a-service (PaaS) innovator born from the strategic partnership between SCBX Group and Publicis Sapient. SCB Tech X is not just redefining banking—it is enabling a new era of digital ecosystems where banks and non-banks alike can launch, scale, and integrate a diverse array of services, from food delivery to health and wellness, seamlessly woven together with financial products.
Southeast Asia’s digital economy is booming, with digital payments expected to exceed $1 trillion in transaction value by 2025 and over 440 million users embracing digital financial services. This surge is driven by a young, tech-savvy population and a significant proportion of unbanked and underbanked individuals, creating fertile ground for innovation. Traditional banks face mounting competition from digital natives and super-apps, pushing them to rethink their roles—not just as financial product providers, but as orchestrators of broader digital lifestyles.
SCB Tech X exemplifies this shift. Rather than focusing solely on banking, it operates as a true cloud-native PaaS provider, empowering both financial institutions and non-financial enterprises to build and deliver integrated digital experiences. This approach enables organizations to meet customers where they are—embedding financial services into the fabric of daily life, whether that’s ordering food, booking travel, or accessing wellness content.
The power of SCB Tech X lies in its ability to foster cross-sector collaboration. By providing a scalable, flexible platform, it allows banks, fintechs, and non-banking partners to co-create and launch new services at unprecedented speed. This ecosystem model unlocks several key benefits:
SCB Tech X’s success is underpinned by a robust technology foundation:
One of the most compelling examples of SCB Tech X’s ecosystem approach is the Robinhood app. Launched by SCB Group’s Purple Ventures, Robinhood began as a food delivery platform but quickly expanded to include grocery shopping, express delivery, and online travel agency services. The app’s architecture—built around a mobile app, API and microservice layer, and real-time data lake—enables continuous innovation, with new features and verticals added in weeks, not months. Today, Robinhood serves customers across Bangkok, Pattaya, and Chiang Mai, with over 27,000 riders and peak order volumes exceeding 7,200 per hour.
SCB Tech X’s XPlatform is a managed multi-cloud engineering ecosystem that empowers SCB subsidiaries and partners to accelerate their cloud journeys. With a self-service portal, integrated DevSecOps pipeline, and rigorous FinOps processes, XPlatform reduces onboarding time, cuts DevOps efforts by 50%, and improves cost efficiency. This has enabled over 25 SCB subsidiaries to launch new applications rapidly, driving a cultural shift towards agile, digital-first operations.
SCB Tech X is setting a new standard for what’s possible in Southeast Asia’s digital economy. By enabling banks and non-banks to collaborate, innovate, and deliver integrated services at speed, it is powering a future where financial and lifestyle needs are met in one seamless digital journey. This convergence is not only redefining customer expectations but also expanding access, driving inclusion, and unlocking new growth opportunities across the region.
As digital adoption accelerates, the winners will be those who can combine speed, agility, and customer-centricity—qualities that SCB Tech X, with its platform-centric model and technology leadership, is delivering today. For technology partners, non-financial enterprises, and digital strategists, the SCB Tech X story offers a blueprint for building the next generation of digital ecosystems in Southeast Asia and beyond.