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Tessa Wijaya
Co-founder and Chief Operating Officer of Xendit, an Indonesian fintech unicorn providing payments infrastructure across Southeast Asia; featured for her insights on cross-border payments and regional payment fragmentation.
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Nov 7, 2025
• 16min
Why cross-border payments are Asia’s next big tech frontier — Insights from an Indonesian unicorn
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Tessa Wijaya, Co-founder and COO of the Indonesian fintech unicorn Xendit, discusses the transformative potential of cross-border payments in Southeast Asia. She highlights Xendit’s role in unifying fragmented payment systems, integrating local banks, and overcoming regional challenges. Tessa shares insights on the rise of stablecoins for B2B transactions while addressing the complexities of crypto regulation. She also reflects on her early days in the food business and the enduring lessons of entrepreneurship, alongside ambitions for future innovations in payments.
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