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Super Apps and the Missed Opportunity of Western Banking



While banks in Europe and North America were refining onboarding flows and experimenting with virtual cards, super apps in Asia quietly transformed how people interact with money, not as a separate function, but as an integrated part of everyday habits.


Why platforms like WeChat, Grab, and Gojek succeeded by owning the entire user journey, and why Western banks couldn’t keep up despite having the trust, infrastructure, and regulatory approvals to lead? It’s about timing, user behavior, and a complete shift in what it means to be a financial service provider.


 
 
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