When you have a population of several hundred million people with high penetration of smartphones and a banking system that does not serve the majority of the population well, you have a recipe for fintech innovation. And that is exactly what is happening in Southeast Asia today.My next guests on the Fintech One-on-One Podcast are Moses Lo and Tessa Wijaya, co-founders of Xendit. Xendit is a fintech infrastructure company, building payments infrastructure to make it easier for the millions of businesses in Indonesia and the Philippines to accept payments. And they are quickly expanding into other products.