Get your tickets for Infobip Shift 2023 at https://shift.infobip.com/ https://twitter.com/InfobipShift Gabriel Yang (Blockshow) - Moderator, Roland Yau (CoCoon Ignite Ventures), Kreso Zmak (Infobip), Antonio Separovic (Oradian) Shift Money is a Financial Technology Conference, which purpose is to explore new ways to disrupt the world of Payments, Insurance, Lending & Blockchain. Learn more at https://money.shiftconf.co/. FinTech has been growing rapidly with global investments in 2018 alone hitting a record $111bn. But still, scaling is a significant challenge especially across countries, where regulatory environments tend to change, coupled with larger, well resourced, long-established incumbents in the way. In this discussion we bring experienced speakers who have experienced such challenges around world, to tell us how they over came this issues, how they differ in different places around the world and what issues still await.