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Managing money in Southeast Asia is very different from the US or Europe — and most finance apps don’t work well for SEA users. So I tested dozens of money, budgeting, saving, and AI-powered finance apps that actually work in Malaysia, Singapore, Indonesia, the Philippines, and Thailand. In this video, I break down the Top 10 SEA-Friendly Apps for Smarter Money Management — apps that help you: Track expenses automatically Control overspending Save money faster Budget smarter using AI Manage e-wallets and bank accounts Make better financial decisions Some of these apps are free, some use AI, and a few can literally replace a personal financial advisor. ⚠️ Important: Many popular finance apps fail in Southeast Asia due to currency issues, bank compatibility, or missing local features. This list is SEA-tested, not copied from US content. TIMESTAMPS 00:00 Why most finance apps fail in SEA 01:10 What makes an app SEA-friendly 02:05 App #10 03:00 App #9 04:05 App #8 05:10 App #7 06:20 App #6 07:30 App #5 08:40 App #4 09:50 App #3 11:00 App #2 12:10 App #1 13:20 Final comparison & recommendations 💡 BONUS I also explain: Which apps work best with e-wallets Which apps are best for low-income vs high-income users How AI improves budgeting and spending control 📣 CALL TO ACTION 👍 Like the video if it helped 💬 Comment which app you’re using now 🔔 Subscribe for weekly AI-powered finance videos