Introduction Cambodia’s financial sector has undergone significant transformation over the past decade, driven by both domestic policy reforms and external technological advancements. As the country strives to modernize its economy, financial innovation has emerged as a crucial enabler of sustainable growth. Key drivers include regulatory modernization, the rise of fintech, and the increasing role of artificial intelligence (AI). In this article, we explore Cambodia’s evolving financial services landscape with a particular focus on regulation, innovation, fintech development, and AI adoption. The Regulatory Landscape in Cambodia Financial services regulation in Cambodia is primarily governed by two major institutions: The National Bank of Cambodia (NBC) the central bank responsible for regulating banking, payment systems, and financial stability. The Securities and Exchange Regulator of Cambodia (SERC) overseeing capital markets, securities, and related inves...