The Hong Kong Monetary Authority (HKMA) has launched its long-term strategic vision, Fintech 2030, marking a decade of the city’s flagship event and a pivotal step in strengthening Hong Kong’s role as a global FinTech hub.
The Fintech 2030 roadmap, presented by HKMA chief executive Eddie Yue during his keynote address, outlines a sweeping strategy built on four pillars — collectively referred to as “DART”: Data and Payment Infrastructure, Artificial Intelligence x Authorised Institutions (AI2), Resilience, and Tokenisation of Finance.
According to Yue, the initiative includes over 40 new measures designed to enhance financial infrastructure, foster collaboration, and accelerate innovation in Hong Kong’s financial ecosystem.
Under the Data and Payment Infrastructure pillar, the HKMA plans to construct next-generation systems that enable secure, efficient, and scalable data sharing. These efforts aim to boost cross-border payment connectivity and unlock new opportunities for businesses and individuals, from enhancing trade finance to enabling faster remittances and more tailored financial services.
The AI2 Strategy will promote the responsible and widespread adoption of artificial intelligence across Hong Kong’s financial sector. The HKMA intends to build shared A.I. infrastructure and develop finance-specific models in partnership with industry players. This approach is expected to enhance accessibility and personalisation in banking services while maintaining transparency and public trust.
In terms of Resilience, the HKMA will strengthen the sector’s ability to withstand technological and operational risks. This includes launching a FinTech-focused cybersecurity certification framework and developing systems for early threat detection. The regulator also plans to prepare the industry for the quantum era through post-quantum cryptography (PQC) and quantum-safe infrastructure.
The final component, Tokenisation of Finance, aims to build a thriving ecosystem for real-world asset (RWA) tokenisation. The HKMA will regularise tokenised government bond issuance and explore tokenising Exchange Fund papers. These digital assets will be settled using new forms of digital money such as the e-HKD, tokenised deposits, and regulated stablecoins. The forthcoming Project Ensemble will support real-value blockchain transactions, while collaboration with other central banks will drive global innovation in tokenised finance.
Eddie Yue said, “The power of collaboration, across public and private sectors, and across borders, has set the stage for even greater success on our journey towards ‘Fintech 2030’. With a clear focus under the ‘DART’ strategy, let us join hands in reimagining the future of finance, opening a new chapter, and pushing the boundaries towards a more sustainable and inclusive fintech ecosystem.”
The announcement underscores Hong Kong’s commitment to maintaining its leadership in digital finance while promoting sustainability, innovation, and cross-border collaboration.
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