Maybank Bullish on Sea's Monee: Primed to Harness AI-Driven Payments Revolution in Southeast Asia

Maybank Investment Bank analysts have highlighted Sea Limited's Monee platform as ideally positioned to thrive amid the surge in AI-driven payments.

Despite lingering uncertainties over AI's effects on Shopee, Maybank sees Monee capturing significant monetization upside through innovative financial layers.

Monee's Historical Evolution

In May 2025, Sea rebranded its digital financial services arm from SeaMoney to Monee, opening a new global headquarters in Singapore focused on AI and product excellence.

This rebranding marked a pivotal shift, expanding beyond core payments and credit into broader fintech opportunities across Southeast Asia and Latin America.

Strategic Partnerships Fueling Growth

Sea's deepened collaboration with Google on AI-powered innovations, including the AP2 project, positions Monee for emerging agentic payment flows.

These partnerships enable Monee to integrate advanced AI capabilities, enhancing transaction efficiency and user personalization.

Impact on Sea's Business

Analysts project Monee's buy-now-pay-later and credit products will drive higher margins for Sea, with instalment yields ranging from 20% to 40%.

The platform's growth is expected to offset any e-commerce pressures, bolstering overall revenue and EBITDA for the tech conglomerate.

Future Outlook and Expansion

Looking ahead, Maybank anticipates structural opportunities for Monee in AI-assisted wealth management and investment products.

With proactive AI enforcement and financial inclusion initiatives, Monee is set to redefine digital finance in emerging markets.