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E-payments solutions are slowly spreading across Southeast Asia, but a fragmented regulatory framework makes harmonisation of payment systems a distant goal.
The development of the AEC is exciting, but many areas – particularly services and finance – will remain heavily protected.
In December 2015, the ASEAN countries will form the ASEAN Economic Community. The economic prognosis is good.
FX instability will hurt the economic development of ASEAN, but a single currency has been discredited as a saviour.