The Hong Kong Monetary Authority (HKMA) unveiled its Fintech 2030 strategy, designed to accelerate the development of the city’s financial infrastructure through asset tokenization, artificial intelligence (AI) adoption, and enhanced technological and quantum resilience.
During the Hong Kong FinTech Week 2025 conference, HKMA introduced Fintech 2030, a five-year roadmap for advancing Hong Kong’s financial sector, with tokenization identified as one of the key focus areas.
As part of the five-year plan, HKMA outlined four strategic pillars, brought together under the DART framework:
- Data — building next-gen data and payment infrastructure. HKMA plans to establish a robust digital framework to enable secure data exchange and cross-border payments, driving growth in lending, trade finance, and personalized financial services, while simplifying international transfers for individuals and businesses.
- AI — artificial intelligence for financial institutions. The new AI²Strategy aims to promote the responsible and large-scale use of AI in finance. HKMA will develop AI models and infrastructure tailored to the financial market, improving access to banking services while maintaining transparency and user trust.
- Resilience — strengthening technological and quantum resilience. The regulator will introduce a new cybersecurity certification system for FinTech companies and real-time threat detection solutions. Special attention will also be given to preparing the financial sector for the post-quantum cryptography era.
- Tokenization — tokenizing financial assets, the central focus of the strategy. HKMA plans to launch tokenized government bonds and explore the tokenization of Exchange Fund securities. Settlements will leverage e-HKD, tokenized deposits, and regulated stablecoins.
Overall, the program includes 40 initiatives aimed at advancing the digital infrastructure of Hong Kong’s financial ecosystem. According to Eddie Yue, Chief Executive of HKMA, the success of Fintech 2030 will largely depend on collaboration between local businesses, international partners, and government institutions. He emphasized that this strategy marks a new phase in Hong Kong’s digital transformation, focused on sustainable and inclusive FinTech growth.
The Hong Kong government estimates that the city’s FinTech market could reach $606 billion by 2032.
