Singapore stands tall as one of Asia’s most forward-thinking nations when it comes to financial technology. With its dense urban environment, high smartphone penetration, and government-backed efforts to promote digital transactions, the country is a prime example of what a cashless society can look like. From local kopitiams and hawker centres to luxury boutiques along Orchard Road, digital wallets and QR codes have become the default. But with an array of mobile payment apps vying…