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Finance, Education

Asia-Pacific Financial Inclusion Summit 2015

Accelerating Financial Inclusion to Enable Economic Progress

Manila |  - 
Speakers include:
Amando Tetangco, Jr

Amando Tetangco, Jr

Bangko Sentral ng Pilipinas

Bhaskar Chakravorti

Bhaskar Chakravorti

The Fletcher School, Tufts University

Ruth Goodwin-Groen

Ruth Goodwin-Groen

Better Than Cash Alliance

Overview

Financial inclusion has been recognised as one of the most powerful tools in the fight against poverty. However, despite the success achieved by financial institutions in providing services to millions of excluded people throughout Asia-Pacific, the region is still home to an estimated 1.2 billion people who do not have access to a bank account or formal financial services. The creation of inclusive financial systems remains critical for both social and economic progress.

While responses continue to focus on access to finance, income generation, and the fundamentals of saving, the inclusive finance ecosystem is evolving rapidly. Globalisation, digitisation and urbanisation are influencing the many programmes being developed by governments, private financial services providers, microfinance institutions and NGOs.

What are the key measures required to accelerate financial inclusion? How can these efforts achieve maximum impact? What role can financial services providers play in driving economic progress? How is the rapid spread of digital technology helping to bridge the gap between financial services and the larger ecosystems of cities, markets and government? These issues and more will be discussed at the Asia-Pacific Financial Inclusion Summit, a major new initiative being launched by the Citi Foundation, the Foundation for Development Cooperation and the Financial Times, in partnership with the Banking with the Poor Network.

The Summit consolidates two leading forums, the Citi-FT Financial Education Summit and the Asia Microfinance Forum, to create a new platform that reflects the integration of capability, access and other key elements that can deliver impact and scale in inclusive finance. The event will be a catalyst for debate, best practice, knowledge exchange and partnerships among more than 500 practitioners, policy-makers and other stakeholders seeking to achieve significantly greater financial inclusion in the region.

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fallback Add to my Calendar 10/27/2014 08:00:0010/29/2015 17:30:00trueAsia-Pacific Financial Inclusion Summit 2015Financial inclusion has been recognised as one of the most powerful tools in the fight against poverty. However, despite the success achieved by financial institutions in providing services to millions of excluded people throughout Asia-Pacific, the region is still home to an estimated 1.2 billion people who do not have access to a bank account or formal financial services. The creation of inclusive financial systems remains critical for both social and economic progress.While responses continue to focus on access to finance, income generation, and the fundamentals of saving, the inclusive finance ecosystem is evolving rapidly. Globalisation, digitisation and urbanisation are influencing the many programmes being developed by governments, private financial services providers, microfinance institutions and NGOs.What are the key measures required to accelerate financial inclusion? How can these efforts achieve maximum impact? What role can financial services providers play in driving economic progress? How is the rapid spread of digital technology helping to bridge the gap between financial services and the larger ecosystems of cities, markets and government? These issues and more will be discussed at the Asia-Pacific Financial Inclusion Summit, a major new initiative being launched by the Citi Foundation, the Foundation for Development Cooperation and the Financial Times, in partnership with the Banking with the Poor Network.The Summit consolidates two leading forums, the Citi-FT Financial Education Summit and the Asia Microfinance Forum, to create a new platform that reflects the integration of capability, access and other key elements that can deliver impact and scale in inclusive finance. The event will be a catalyst for debate, best practice, knowledge exchange and partnerships among more than 500 practitioners, policy-makers and other stakeholders seeking to achieve significantly greater financial inclusion in the region.VIEW OUR PHOTO GALLERYSTAY IN THE LOOP ON THE LATEST SUMMIT NEWS:Keep Me UpdatedAsia-Pacific-Financial-Inclusion-Summit-2015046aedab72a8964b7d87fb766d9aff0cMM/DD/YYYY

Speakers (86)

Amando Tetangco, Jr

Amando Tetangco, Jr

Governor
Bangko Sentral ng Pilipinas

Amando M. Tetangco, Jr. is the Governor of the Bangko Sentral ng Pilipinas (BSP). He was appointed for a second term in July 2011. As BSP Governor, he serves as Chairman of the Monetary Board, the BSP’s principal monetary policy-making body. He also chairs the Anti-Money Laundering Council, the Financial Stability Coordination Council, the Financial Sector Forum and the Philippine International Convention Center. A career central banker, Governor Tetangco has been in the service of the BSP for four decades. Prior to his first appointment as Governor in July 2005, he was Deputy Governor in charge of the Banking Services Sector, Economic Research and Treasury of the BSP. He also served as Alternate Executive Director of the International Monetary Fund (IMF) in Washington, DC from 1992 to 1994. Currently, he is the Governor for the Philippines at the IMF, and Alternate Governor at the World Bank and the Asian Development Bank. At the Bank for International Settlements, he is Chair of the Asian Consultative Council and of the Meeting of Small Open Economies. In September 2014, Governor Tetangco completed a two-year term as Chair of the Alliance for Financial Inclusion (AFI) Steering Committee, for which he received an Honorary Award for excellent stewardship. During his term as BSP Governor, financial inclusion, financial education and consumer protection have been institutionalised in the central bank’s agenda. He chairs the Inclusive Finance Steering Committee, providing strategic direction and guidance on inclusion-related initiatives in the areas of policy and regulation, financial education and consumer protection, data and measurement, and advocacy programmes. He also chairs the interagency body that spearheaded the creation of the National Strategy for Financial Inclusion, a framework for the government and the private sector to take a coordinated approach to inclusive growth. In 2014, AFI conferred its Maya Declaration Award to the BSP in recognition of its financial inclusion achievements. Governor Tetangco obtained his Economics degree cum laude from Ateneo de Manila University and his Master’s in Public Policy and Administration with a concentration in Development Economics from the University of Wisconsin-Madison in the US.

Bhaskar Chakravorti

Bhaskar Chakravorti

Senior Associate Dean and Executive Director, Institute for Business in the Global Context
The Fletcher School, Tufts University

Bhaskar Chakravorti is Senior Associate Dean for International Business and Finance and Executive Director of the Institute for Business in the Global Context (IBGC) and the Council on Emerging Market Enterprises (CEME) at The Fletcher School, Tufts University. Prof Chakravorti also serves on the Fletcher faculty as Professor of Practice in International Business. Prior to Fletcher, he was a Partner of McKinsey & Company and a Distinguished Scholar at MIT's Legatum Center for Development and Entrepreneurship. He also served on the faculty of the Harvard Business School and the Harvard University Center for the Environment. Prof Chakravorti's book, The Slow Pace of Fast Change: Bringing Innovations to Market in a Connected World (Harvard Business School Press) has been influential in many client and policy recommendations. He has published in both academic and widely read publications and has been invited to speak before academic, executive and policy audiences and to the media around the world.

Ruth Goodwin-Groen

Ruth Goodwin-Groen

Managing Director
Better Than Cash Alliance

Ruth Goodwin-Groen is Managing Director of the United Nations-housed Better Than Cash Alliance (BTCA), leading its efforts to accelerate the global shift from cash to digital payments by governments, companies and international organisations. The digitisation of payments continues her work on poverty reduction, as it helps to increase transparency and efficiency and provide a pathway to financial inclusion, driving inclusive growth. Dr Goodwin-Groen represents BTCA at the G20 Global Partnership for Financial Inclusion (GPFI), and is a member of the World Economic Forum Financial Inclusion Steering Committee and the Reference Group of the UN Secretary General’s Special Advocate for Inclusive Finance for Development. Prior to joining BTCA, Dr Goodwin-Groen was the Australian Co-Chair of GPFI and the Financial Services for the Poor Adviser at the Australian Agency for International Development (AusAID). She has also advised leading organisations in the field of financial inclusion including the CGAP, the World Bank Group, the Soros Foundation, the UK Department for International Development, the FinMark Trust (South Africa), the German Technical Cooperation Agency (GTZ), Women’s World Banking, the United Nations Development Programme (UNDP), and Cambridge University, in over 15 countries including in Eastern Europe, Africa, Asia and the Pacific.Dr Goodwin-Groen holds a PhD from the University of Bath, UK, an MBA (Distinction) from Harvard Business School, and a BSc Hons (1st) from the University of Western Australia.

Imelda Nicolas

Imelda Nicolas

Chair, Commission on Filipinos Overseas
Office of the President of the Philippines

Imelda M. Nicolas is Chairperson of the Commission on Filipinos Overseas (CFO), a Cabinet-level Secretary position under the Office of the President of the Philippines. Prior to her appointment, she  was Cabinet-level Secretary of the National Anti-Poverty Commission, and Chairperson of the National Commission on the Role of Filipino Women. She was also Chair of the Women’s Business  Council of the Philippines, and the first woman member of the official delegation of the Philippines to the APEC Business Advisory Council. Secretary Nicolas is one of the Philippine government’s key representatives in the Migrants in Countries in Crisis initiative, a state-led initiative launched by the Philippines and the US to address the impact of acute crisis situations on migrants. The initiative is supported by the International Organization for Migration (IOM). Secretary Nicolas recently became a member of the IOM Migration Advisory Board, as well as the Advisory Group of the Asian Development Bank-Migration Policy Institute’s project on “Achieving Skill Mobility in the ASEAN Economic Community”. She also chairs the Metropolis Asia Secretariat and is a member of the Metropolis International Steering Committee.

Nestor Espenilla

Nestor Espenilla

Deputy Governor
Bangko Sentral ng Pilipinas

Nestor A. Espenilla, Jr , Deputy Governor of Bangko Sentral ng Pilipinas (BSP), heads the BSP’s Supervision and Examination Sector, which oversees the supervision of banks and other non-bank financial institutions under the jurisdiction of the Central Bank. He assumed office in April 2005. Mr Espenilla serves concurrently in various high-level BSP policy committees, including the Advisory Committee on Monetary Policy, the Financial Stability Committee, the Inclusive Finance Steering Committee, and the Payment and Settlements Steering Committee. He is also BSP Representative to the Capital Markets Development Council, alternate Board Member to the Philippine Deposit Insurance Corporation and alternate Vice-Chair of the Agricultural Credit Policy Council. Mr Espenilla is active in various international bodies. He represents the BSP in the G20 Global Partnership for Financial  Inclusion  (GPFI)  and the Basel Consultative Group (BCG) where he chairs the Workstream on Financial Inclusion. Mr Espenilla holds a Bachelor of Science in Business Economics and an MBA from the University of the Philippines, as well as a Master’s degree in Policy Studies from the National Graduate Institute for Policy Studies (GRIPS) in Tokyo.

U.S. Paliwal

U.S. Paliwal

Executive Director
Reserve Bank of India

Uma Shankar Paliwal, as Executive Director, is in charge of Financial Inclusion & Development, Customer Education & Protection and the Secretary’s Department at the Reserve Bank of India (RBI). He joined the RBI as a middle management executive in 1982. Mr Paliwal has experience in a variety of Central Banking functions, including Regulation, Inspection, Foreign Exchange, Currency Management and Human Resources, besides being a Faculty Member at the Banker’s Training College. He has also worked as Director, Supervision at the Bank of Mauritius. He was the RBI’s Nominee Director on the Boards of three major banks -- the State Bank of Mysore, Dena Bank and Corporation Bank. Mr Paliwal is a postgraduate in Economics and History and an MPhil. A Golden Jubilee Scholar of the Reserve Bank, he completed his MBA in Financial Management with Distinction at the University of  Exeter, UK, and is also an alumnus of the London Business School.

Shameran Abed

Shameran Abed

Director of Microfinance
BRAC

Shameran Abed is the Director of the BRAC microfinance programme, which serves more than 5 million clients in seven countries, and has total assets exceeding US$1 billion. He also serves on the boards of BRAC Bank’s mobile financial services subsidiary, bKash, and Guardian Life Insurance. Additionally, he sits on the Microfinance Network Steering Committee and the World Economic Forum Financial Inclusion Steering Committee. Prior to joining BRAC, Mr Abed was a journalist and wrote primarily on political issues. He is a lawyer by training, having been made a barrister by the Honourable Society of Lincoln’s Inn in London. He completed his undergraduate studies at Hamilton College in the US, majoring in Economics and minoring in Political Science.

Chandula Abeywickrema

Chandula Abeywickrema

Chairman
Banking With The Poor Network

Chandula Abeywickrema is the Chairman of the Board of Governors of the Banking with the Poor Network (BWTP), Asia’s largest microfinance network, and also currently serves as the Managing Director and CEO of CCC Solutions, a fully owned project management subsidiary of Sri Lanka’s largest business chamber, the Ceylon Chamber of Commerce. An accomplished commercial banker with experience in retail and development banking spanning over 30 years, Mr Abeywickrema was previously Deputy General Manager at Hatton National Bank, one of the largest banks in Sri Lanka. He is Chairman of the Board of CSR Sri Lanka, the national apex body for corporate responsibility in Sri Lanka, and serves as a Special Advisor on Financial Inclusion to the Asian Bankers Association.

Ravi Agarwal

Ravi Agarwal

CEO
engageSPARK

Ravi Agarwal is an entrepreneur and investor. He has been an angel investor in the US and Asia, including an investor (LP) in 500 start-ups. Companies he founded in Boston now employ more than 3,000 people and one is public on NASDAQ, Endurance International Group Holdings. Prior to starting his first company, Mr Agarwal completed General Electric's management training programme. In 2001, he was recognised by Entrepreneur Magazine in its annual “10 under 30" list – the top 10 business people under the age of 30. Mr Agarwal is also co-inventor of a US patent on email security. In 2011, he volunteered with Grameen Foundation in Ghana and Uganda, working on poverty alleviation programmes. He subsequently founded engageSPARK, a not-for-profit social business with a mission to enable non-technical staff at NGOs to leverage Voice IVR, SMS and Missed Calls to engage with people in poverty and almost instantaneously build interactive campaigns, globally.

Aftab Ahmed

Aftab Ahmed

CEO
Citi Philippines

Aftab Ahmed is the CEO and Citi Country Officer for the Philippines. He brings to the post nearly four decades of international banking experience, covering multiple disciplines from Business Banking to Corporate Banking, Correspondent Banking, Consumer Banking, Distribution, Operations & Technology as well as Treasury.  He has lived and worked in 11 countries including the US, Pakistan, Greece, Saudi Arabia, New Zealand, Germany, Taiwan, Singapore, Egypt, Hungary and now the Philippines. He has held a number of senior roles at Citi on the country level as CEO,  Consumer Country Business Manager, and Corporate Bank Head. He has also held senior cluster and regional roles including Director of Retail Branch Expansion & Operations for Citibank North America, Consumer Finance Head for Asia Pacific, and Consumer Cluster Head for Pakistan, Middle East and Egypt. In his different business and leadership roles across multiple geographies, he has been extensively involved in and has successfully contributed towards Country and Regional initiatives to grow franchises; expand branch footprint; increase customer base and deepen relationships; and protect as well as grow portfolios.

Amy Auster

Amy Auster

Principal Consultant
Foundation for Development Cooperation (FDC)

Amy Auster is a thought leader and strategic advisor to business executives and policy-makers, with deep expertise in the Asia Pacific region and the financial services industry. A respected researcher and commentator, she has worked in Australia, Asia, the US, South America and Eastern Europe. Prior to her current roles at leading think tanks, including Foundation for Cooperation Development (FDC), Ms Auster worked as an economist, strategist and senior executive for ANZ Banking Group during the bank’s expansion into Asia. Published research and strategic work have focused on the impact of Asia’s economic ascendency; the evolution of banking and finance in the Asia Pacific region; models for private sector participation in infrastructure development; and public sector finance including tax policy. Ms Auster is a member of the ANU Investment Advisory Committee, the Sydney for RMB Committee, the Deakin University Public Policy Forum Advisory Committee, the Australia China Business Council, and the Australian American Leadership Dialogue. She previously worked at Chase Securities, Merrill Lynch and JP Morgan in New York as an economist and fixed income strategist.  Ms Auster holds an Honours degree in Arts from Northwestern University in Chicago, and a Master's degree in Economics and Finance from Columbia University in New York.

Charlene Bachman

Charlene Bachman

Regional Business Development Manager
Software Group

Charlene Bachman is a development finance professional working as the Business Development Manager for Software Group in Asia Pacific. With experience working with financial institutions across Latin America, Asia and the Pacific, she promotes the use of delivery channels and technology solutions that aim to expand the reach of financial inclusion, increase operational efficiency and facilitate access to financial services. Prior to joining Software Group, Ms Bachman worked in Global Investments at Accion International where she supported multiple impact investing funds targeting the MFI and fintech sectors with a range of business development, investment analysis and portfolio management activities. Ms Bachman holds dual Bachelor degrees in Business Administration and International Studies from American University in Washington, DC.

Rajitha Bearden

Rajitha Bearden

Senior Investment Analyst
Symbiotics

Rajitha Bearden returned to Symbiotics in 2014 after heading Citibank’s Citizenship and Community Development efforts across 18 Asian markets. From 2009 to 2011, she was Symbiotics’ Senior Investment Analyst for Asia and established its regional hub in Singapore. Previously, she was a High Yield Research Associate at Wachovia Capital Markets in the US. She holds an MBA from INSEAD, an MSc in Economic History from the London School of Economics, and a BA in Public Policy from Duke University in the US.

Anya Berezhna

Anya Berezhna

Regional Manager
Symbiotics

Prior to joining Symbiotics in 2008, Anya Berezhna worked in Syria, Burkina Faso and Mali for the Aga Khan Agency for Microfinance (AKAM), an international network of microfinance institutions. During her assignment in Syria, she assisted the Finance and Operations departments in establishing the first MFI in Syria. In Burkina Faso and Mali, she worked as a technical assistant for the Internal Audit and Finance departments. Ms Berezhna holds a Master’s degree in Microfinance from Nancy University in France.

Jaclyn Berfond

Jaclyn Berfond

Specialist, Research, Monitoring & Evaluation
Women's World Banking

Jaclyn Berfond is a Specialist on the Women’s World Banking research team, where she leads monitoring and evaluation initiatives, including the analysis of network financial and social performance data, and manages the Women’s World Banking Gender Performance Initiative to create a framework of gender-based performance indicators. Prior to joining Women’s World Banking, Ms Berfond was a Research Associate at the Council on Foreign Relations, where she researched issues of international political economy, including economic development, globalisation, trade policy, immigration, financial systems, and the intersection of technology and foreign policy. Previously, she worked in client service at a private wealth management firm. Ms Berfond holds a Bachelor’s degree in International Relations and Economics from Boston University and an International Organisations MBA from the University of Geneva.

Royston Braganza

Royston Braganza

CEO
Grameen Capital India

Royston Braganza joined Grameen Capital in 2007 to launch the organisation as CEO. He currently oversees all aspects of operations in India. Grameen Capital, founded by Grameen Foundation USA, IFMR Trust and Citi, is a first-of-its-kind social business enabling microfinance institutions to develop wider access to capital markets. Grameen Capital is part of the global Grameen family of companies -- the flagship being Grameen Bank founded by Nobel Laureate Muhammad Yunus. Before launching Grameen Capital, Mr Braganza was a Senior Vice President with HSBC, instrumental in setting up and heading HSBC’s Microfinance & Priority Sector business. Prior to that, he was the head of HSBC’s SME Business. Before joining HSBC, Mr Braganza worked at Citibank India for over eight years in various roles across both the Consumer and Corporate banks. He currently serves on many boards and advisory bodies, including Sa-Dhan, Grameen Foundation India, FICCI Financial Inclusion Committee, the CII National Committee on NBFCs, the United Nations Microfinance Resource Group and the Indian Impact Investors Executive Council. The London-based Finance Monthly publication named Mr Braganza on their 2013 Global CEO Award Winners list as one of the Top 4 CEOs in Asia, and Top 2 in India, with Kumar Mangalam Birla. Mr Braganza obtained his Masters in Management Studies degree from the Jamnalal Bajaj Institute of Management Studies, Mumbai.

Martin Camahort

Martin Camahort

President and CEO
OK Remit

Martin Camahort, President and CEO of OK Remit, has extensive professional management experience spanning over two decades across several industries, particularly in the fields of remittances, telecommunications, power systems, logistics, consumer products and industrial machinery. Before OK Remit, he was Chief Operating Officer of one of the direct agents of Western Union in the Philippines. Prior to that, he was associated with LBC, one of the country’s key players in the remittances and cargo industry as the President for Asia-Pacific operations. Before LBC, Mr Camahort had a long period of association with Lucent Technologies (Alcatel-Lucent) in different positions and lastly as the Director for Services Sales in Asia-Pacific. He has also worked with DHL Express Inc and played a pivotal role in establishing its presence in the Philippines. Mr Camahort has management degrees from both the British Columbia Institute of Technology in Burnaby, Canada and Ohlone College in Fremont, California.

Arup Chatterjee

Arup Chatterjee

Principal Financial Sector Specialist, Sustainable Development and Climate Change Department
Asian Development Bank (ADB)

Arup Chatterjee has over two and half decades of experience in the operational, regulatory and policy aspects of the insurance sector, financial sector reform and development, regulatory and supervisory oversight architecture, pension and health insurance reforms, disaster risk financing, agriculture insurance, public-private partnerships, and financial inclusion in Asian, African and Latin American countries. In his current role Mr Chatterjee is responsible for leading financial sector development initiatives in the area of insurance and contractual savings. His technical assistance and programme development work focuses on insurance and pensions market development, regulations, implementation of international financial standards, supervisory capacity building, Base of the Pyramid opportunities, and consumer protection. He earlier served as Principal Administrator of the International Association of Insurance Supervisors at the Bank for International Settlements in Basel, Switzerland, and as Joint Director of the Insurance Regulatory and Development Authority of India.

Greg Chen

Greg Chen

Senior Financial Sector Specialist
CGAP

Greg Chen is a Senior Financial Sector Specialist with CGAP, based out of Washington DC. He works to advance access to finance by helping to establish new business models that leverage the changing landscape of technology and communications. Mr Chen brings to his role 18 years of financial inclusion experience and more than a decade of work resident in South Asia, working with businesses and policy-makers, with a particular focus on India, Bangladesh and Pakistan. Prior to CGAP, he worked for the Aga Khan Development Network, ShoreBank International and Bank of America. Mr Chen’s academic training is in Economics, and he holds a Master's degree from Harvard University’s Kennedy School.

Darwin Wibowo

Darwin Wibowo

President Director
Bank Andara

Darwin Wibowo is the President Director of Bank Andara, which focuses on providing financial inclusion through microfinance institutions in Indonesia. Bank Andara is owned by Mercy Corps, Developing World Markets, IFC, KFW Bank, Hivos-Triodos Fund and Mr I Wayan Gatha. Prior to joining Bank Andara, Mr Wibowo was Head of the Corporate Bank for PT BII Maybank Tbk. He started his career with Citibank followed by a stint in a local business group in Indonesia. Mr Wibowo has an MSc in Business Administration from San Diego State University and a BSc from San Francisco State University.

Pedro De Vasconcelos

Pedro De Vasconcelos

Manager, Financing Facility for Remittances
International Fund for Agricultural Development (IFAD)

Pedro De Vasconcelos joined the International Fund for Agricultural Development (IFAD) in 2007 as the Manager of the multi-donor Financing Facility for Remittances. The Facility, supported by the European Commission, the Inter-American Development Bank (IADB), the Government of Luxembourg, the Government of Spain, CGAP, the United Nations Capital Development Fund (UNCDF) and the World Bank, is aimed at promoting an inclusive remittance mechanism in rural areas and to address innovative models of interventions linking remittances, migration and development. The main activities of the fund includes project financing and development (over 50 projects in over 40 countries) and dedicated knowledge generation and management. Prior to IFAD, from 2000 until early 2007, Mr De Vasconcelos served at the Multilateral Investment Fund of the IADB in Washington DC, and was responsible for launching and coordinating the IADB’s remittance programme for Latin America and the Caribbean. From 1998 to 2000, he served at the United Nations Conference on Trade and Development (UNCTAD) in Geneva, working on the MicroBanks project in cooperation with Banque International du Luxembourg. Mr De Vasconcelos’ range of expertise includes inclusive finance, payment systems and remittances, migration and development, and information and communications technologies for development. He graduated from the University of Toulouse in International Business and obtained his Master’s in International Business and Management from the University of Paris IV, La Sorbonne.

Marina Dimova

Marina Dimova

Vice President
Ideas42

Marina Dimova is a Vice President at ideas42, where she develops and tests behavioural innovations in consumer finance and international development. She has led projects with financial institutions in the US to improve bill and loan repayment outcomes, and has developed savings, credit and agricultural finance products for the developing world context. Ms Dimova also leads ideas42’s efforts in developing and scaling mobile heuristics-based financial management training for microentrepreneurs in India and the Philippines. Prior to ideas42, she worked on agricultural value chains and private sector development with the World Bank. Ms Dimova holds an MPA degree in International Development from Harvard Kennedy School.

Eric Duflos

Eric Duflos

Regional Representative for East Asia and the Pacific
CGAP

Eric Duflos has 20 years of experience in advancing financial inclusion for the poor. Based in Singapore, he is currently East Asia and Pacific Regional Representative for CGAP, a leading global knowledge centre for financial inclusion housed at the World Bank. Since he joined CGAP in 2003, Mr Duflos’ research on financial inclusion has focused on policy and regulatory issues, digital finance, customer centricity, responsible finance, and aid effectiveness. He has taught policy and financial inclusion at the Boulder Microfinance Training Programme in Turin, and at Sciences-Po in Paris. He regularly authors articles and publications, including recent reports on financial inclusion in China, Myanmar and Vietnam. Before joining CGAP, Mr Duflos worked for seven years in the Lao PDR for the UNCDF, the Bank of Lao PDR and the World Bank to develop an inclusive financial sector. He holds a Master’s degree in Management from EMLYON in France, and a Master’s in Economics from the School of Advanced International Studies at Johns Hopkins in the US.

Doris Dumlao

Doris Dumlao

Senior Business Reporter
Philippine Daily Inquirer

Doris Dumlao-Abadilla is a Senior Business Reporter for the Philippine Daily Inquirer, specialising in capital markets and banking. She is one of the World Economic Forum’s Young Global Leaders (Class of 2014), which honours individuals around the world aged under 40 for their contribution and leadership in their respective fields. Ms Dumlao-Abadeilla is also on the Philippines’ roster of The Outstanding Young Men (Class of 2014) and the Asia Society’s pool of Asia’s 21 Young Leaders (Class of 2011). In 2011, she was included on Google's list of 20 "Most Influential Filipinas” (ranked 12th out of 20), based on the volume of Google searches -- one of only four non-showbiz personalities on this list. Ms Dumlao-Abadilla has received 20 journalism awards since joining the Inquirer in 1997.

Jessie Fisher

Jessie Fisher

Program Officer
Good Return

Jessie Fisher has worked in the international development sector for the past five years, joining Good Return in 2013. She manages joint programmes with Good Return's partners across the Philippines, Fiji and Tonga, as well as Good Return's skilled volunteer programme that operates across the Asia Pacific region. Ms Fisher holds an H1 Honours in International Studies from Monash University, with a focus on Gender and Development.

Chuchi Fonacier

Chuchi Fonacier

Managing Director, Bangko Sentral ng Pilipinas, and Co-Chair, Inter-agency Working Group for Policy and Regulation
National Strategy for Financial Inclusion, Philippines

Chuchi G. Fonacier is Managing Director of the Supervision and Examination Subsector (SESS) III of Bangko Sentral ng Pilipinas (BSP), the Central Bank of the Philippines, overseeing the supervision of banks and non-bank financial institutions under BSP jurisdiction. Ms Fonacier also serves as a chairperson and member of various Committees and Working Groups within and outside the BSP. She is Co-Chair of the Inter-agency Working Group for Policy and Regulation under the National Strategy for Financial Inclusion. She chairs the Consumer Protection and Education Committee of the Financial Sector Forum, the inter-agency coordinating body of financial regulators in the Philippines comprised of the BSP, Philippine Deposit Insurance Corporation, Securities and Exchange Commission, and Insurance Commission. She is a member of the BSP Steering Committee on Inclusive Finance, and Head of the Committee’s Regulatory and Supervisory Framework Group. Ms Fonacier is also a member of the Steering Committee on Microfinance, and Bank Supervision Policy Committee.

Rachel Freeman

Rachel Freeman

Advisory Manager Asia, Financial Institutions Group
IFC

Rachel Freeman leads all financial institution advisory in Asia for IFC including climate finance, MSME finance, payments and agrifinance. She joined IFC in 2001 to set up and manage the Central Asia Leasing Project, one of IFC's first advisory programmes in Central Asia. In 2004, she moved to Johannesburg as the Deputy General Manager of IFC's advisory services for Sub-Saharan Africa, where she was instrumental in redesigning IFC's advisory services. She also served as the agribusiness lead investment officer in Central Asia. Prior to joining IFC, Ms Freeman was involved in several entrepreneurial ventures in the US and Russia, and also worked for the US Department of Housing and Urban Development. She holds an MBA from the University of Michigan Business School and a degree in International Politics and Economics/Russian from Middlebury College. She also attended Executive Education at Harvard University's Kennedy School of Government.

Gigi Gatti

Gigi Gatti

Regional Director, Asia
Grameen Foundation

Gigi Gatti is Grameen Foundation USA’s Director for Asia and concurrently the Country Director for the Philippines. She leads Digital Financial Services initiatives in Asia, facilitates strategic partnerships for program implementation and provides oversight on program deliverables. Ms Gatti has over 20 years experience in the IT, banking, insurance and microfinance industries. Previous positions include Vice President at BPI Globe BanKO, Technical Program Officer at Grameen Foundation USA, National Officer at the Asian Development Bank, and Professor at the Graduate School of Business of De La Salle University in Manila. She holds an MBA and a BS in Computer Science from the De La Salle University, and a Certified Microfinance Expert certificate from the Frankfurt School of Finance and Management, Germany. She is also a Certified Information Systems Auditor with ISACA, Illinois, USA.

Chandra Shekhar Ghosh

Chandra Shekhar Ghosh

Founder,Managing Director & CEO
Bandhan Bank Ltd

Chandra Shekhar Ghosh is Founder, Managing Director and CEO of Bandhan Bank. He is also a Member of the Managing Committee of the Indian Banks’ Association, a Member of the West Bengal Government’s Micro, Small and Medium Enterprises (MSME) sector committee, Vice President of the Bengal Chamber of Commerce and Industry, Chairman of the Confederation of Indian Industry’s Economic Affairs, Finance & Taxation Committee, a Member of the Inclusive Governance Council of the Federation of Indian Chambers of Commerce and Industry (FICCI), Co-Chair of FICCI’s Financial Inclusion Committee, and a Member of FICCI’s Social Development and Community Affairs Committee and its National Committee on Non-Banking Financial Companies. In 2007, Mr Ghosh was elected as a Senior Ashoka Fellow by the Ashoka Foundation. In 2014, he won Forbes India Leadership Awards in the “Entrepreneur with Social Impact” category. He was also recognized in 2014 as Entrepreneur of the Year by the Economic Times. Mr Ghosh has an MSc in Statistics and has attended the HBS-ACCION Program on Strategic Leadership at Harvard Business School.

Stephen Groff

Stephen Groff

Vice President
Asian Development Bank

Stephen P. Groff has been Vice-President (Operations 2) of the Asian Development Bank (ADB) since October 2011. Mr Groff is responsible for the full range of ADB's operations in East Asia, Southeast Asia, and the Pacific. His mandate includes establishing strategic and operational priorities in his areas of responsibility, producing investment and technical assistance operations amounting to approximately US$5 billion annually, managing an existing portfolio of about US$23 billion, and leading about 650 staff. In addition, Mr Groff supports the ADB President in managing ADB’s overall operations, represents ADB in high-level multilateral fora, and contributes to managing its relationships with its 67 member-country shareholders, other multilateral financial institutions, and key government, private sector, and civil society partners. Prior to joining ADB, Mr Groff was Deputy Director for Development Cooperation at the Paris-based Organisation for Economic Co-operation and Development (OECD) where he led OECD’s work on a wide range of development-related economic and political issues. He also served as OECD's envoy to the G20 Working Group on Development and was a member of the World Economic Forum's Global Agenda Council. Prior to this, Mr Groff was the Deputy Vice-President for Operations at the Washington-based Millennium Challenge Corporation (MCC), where he helped set up the agency and led MCC programmes while advising the CEO on development issues, strategy, and policy. Prior to MCC, Mr Groff held several staff positions at the ADB, and before that, was the Deputy Director and Chief Economist on a large US Agency for International Development project designed to encourage private sector development in the southern Philippines; a Program Director for the US Refugee Program; and a US Peace Corps Volunteer. Mr Groff has worked across Asia, Africa and Latin America, and writes regularly on development issues. He also serves on a number of advisory boards for development-related organizations. Mr Groff holds a Master’s degree in Public Administration from Harvard University and a Bachelor of Science degree in Environmental Biology from Yale University.

Kelly Hattel

Kelly Hattel

Financial Sector Specialist (Rural and Microfinance)
Asian Development Bank (ADB)

Kelly Hattel is a Financial Sector Specialist at the Asian Development Bank, where she focuses on micro, small, and medium enterprise development and improved access to finance across Southeast Asia. Prior to this, Ms Hattel consulted for various public and private sector agencies, microfinance institutions and associations where she provided technical expertise on expanding and deepening the reach of microfinance throughout Asia, Africa and the Middle East. From 2001 to 2006, she managed the MicroFinance Network, a global association of 37 pioneer microfinance institutions from 28 countries. In this position she facilitated learning between members and led research activities in collaboration with international donor organisations and private foundations on key issues in microfinance, including rural finance, financial consumer protection, staff incentives, and microinsurance. She began her career as a small enterprise development volunteer in the Peace Corps in Mali, West Africa. Ms Hattel holds a Master’s degree in International Affairs (Economics and Microfinance) from the Johns Hopkins School for Advanced International Studies in the US and a Bachelor’s degree in International Studies and Law from American University, Washington DC.

Andi Ikhwan

Andi Ikhwan

Agriculture and Financial Services Program Director
Mercy Corps Indonesia

Andi Ikhwan is the Agriculture and Financial Services Program Director at Mercy Corps Indonesia. He is an access-to-finance expert with 16 years’ experience supporting the financial sector and diverse stakeholders in Indonesia. After joining Mercy Corps Indonesia in mid-2008, he first worked for the MAXIS Program funded by the Gates Foundation and was responsible for product development research, capacity building and monitoring for microfinance institution partners. Since June 2012, he has been working as a Country Coordinator for the Agri-Fin Mobile Project funded by the Swiss Agency for Development and Cooperation, facilitating the provision of bundled agriculture information, financial services and market information for smallholder farmers in partnership with agribusiness companies, financial institutions, government agencies, a university and a mobile platform provider. Over the past two years, through the FEED Mobile Project funded by Citi Foundation, Mr Ikhwan has designed a framework to deliver financial literacy training and mentoring for farmers using a mobile platform, enabling them to finally open saving accounts in financial institutions.

Sheikh Md Monirul Islam

Sheikh Md Monirul Islam

Chief External & Corporate Affairs Officer
bKash Limited

Sheikh Md Monirul Islam is Chief External & Corporate Affairs Officer of bKash Limited, a mobile financial services operator and subsidiary of BRAC Bank Limited established in 2014. Mr Islam served in the Bangladesh Army for 34 years, commanding two infantry divisions, with the rank of Major General. He also served as the Director General (CEO) of the National Security Intelligence, the Special Security Force and the government think tank, the Bangladesh Institute of International and Strategic Studies. He was an instructor at the Defence College and the Bangladesh Military Academy. He also served as Chief of Protocol of Bangladesh on deputation to the Ministry of Foreign Affairs. Besides his current role at bKash Limited, Mr Islam is the firm’s Chief Anti Money Laundering & Compliance Officer.

Ed Jimenez

Ed Jimenez

Microfinance Consultant
Bangko Sentral ng Pilipinas

Eduardo C. Jimenez is Microfinance Advisor to Bangko Sentral ng Pilipinas, looking at policy and regulatory issues affecting the practice of microfinance and financial inclusion. He has served in this position since 2001. He was also Asia Regional Coordinator of the Alliance for Financial Inclusion (AFI), up to December 2014. He has also served as an advisor to the Department of Finance and the Cooperative Development Authority of the Philippines in crafting the Philippines’ Performance Standards for Microfinance Practitioners. Mr Jimenez is a board member of two microfinance NGOs in the Philippines and is active with the Microfinance Council of the Philippines (MCPI), the national network of microfinance practitioners.

Yahya Khan

Yahya Khan

Chief Financial Services Officer, Telenor Pakistan, and Head of
Easypaisa

Yahya Khan is the Chief Financial Services Officer at Telenor Pakistan, and Head of Easypaisa, a branchless banking service created by Telenor and Tameer Micro Finance Bank. Prior to joining Telenor Pakistan, Mr Khan was Executive Director, Prime Brokerage & Alternative Investment Services, at J.P. Morgan Investment Bank in the UK. He started his career in 1995 with ICI Pakistan, followed by stints at Exxon, Unilever Pakistan, Axa and PricewaterhouseCoopers. Mr Khan has a BEng in Electrical Engineering from the NED University of Engineering and Technology in Pakistan, and an MSc in Operations Management from Cranfield University in the UK. He is licenced as a Chartered Accountant in England & Wales.

Joy Kim

Joy Kim

Financial Inclusion Analyst
MIX

Joy Kim is a Financial Inclusion Analyst at MIX, responsible for building visualisations on FINclusionLab.org and building custom dashboards for clients. Ms Kim is involved in all aspects of visualisation development, from data collection to analysis. She joined MIX in May 2013 as a Financial Inclusion Research Associate. She holds a BA in Economics from Vanderbilt University and an MA in International Affairs from the George Washington University’s Elliott School of International Affairs.

Finn Erik Kolnes

Finn Erik Kolnes

Senior Manager
Accenture Development Partnerships

Finn Erik Kolnes is a Senior Manager leading financial inclusion strategies for Accenture Development Partnerships. He has an extensive background in strategy consulting, working with clients to design and implement complex business strategies and operating model transformations. He has had a leading role in several studies and assessments related to how financial institutions can strengthen their business and operating models to support financial inclusion. Before joining Accenture, he was a fixed income analyst for the Norwegian sovereign wealth fund. Mr Kolnes is a co-author of “Within Reach, How banks in emerging economies can grow profitably by being more inclusive”, a report that will be launched November 5 in partnership with CARE International. He will be joined at the Summit by Katherine Hughes, Financial Inclusion Programmes Officer, CARE.

Anil Kumar

Anil Kumar

Founder and CEO
Samunnati

Anil Kumar is Founder and CEO of Samunnati, an India-based enterprise focused exclusively on value chain finance, primarily in the agriculture and allied activities sector, for the purpose of inclusive growth. Mr Kumar started his career with Canara Bank and then joined ICICI Bank. He is also the founding Trustee of IFMR Trust. In his career of over 23 years, Mr Kumar has had extensive experience in the areas of General Banking, Retail Banking, Microfinance, and Rural & Agricultural Finance. The models he has worked on have focused on financial inclusion, customer protection, wealth management for low-income households, and product development for remote rural markets. He has also worked on creating newer institutions across India and operating in financially excluded markets with corresponding support structures for their capacity building. Mr Kumar has a Master’s in Management from the Asian Institute of Management, Manila, and an MBA from Symbiosis Institute of Management, Pune, India. He graduated in Humanities from Osmania University, Hyderabad.

Jason Lamb

Jason Lamb

Deputy Director, Financial Services for the Poor
Bill & Melinda Gates Foundation

Jason Lamb is the Deputy Director, Global Partner Engagement, for the Financial Services for the Poor initiative at the Bill & Melinda Gates Foundation. Prior to joining the foundation in 2009, Mr Lamb spent six years at Washington Mutual Bank, where he managed the Consumer Checking portfolio, product strategy and team. He also managed the operational risk strategy for the retail bank and was an organisational consultant to the Executive Committee and their teams. Mr Lamb gained experience in the financial institutions sector during his seven years at McKinsey & Company, where he advised banks in Central and Eastern Europe, Africa, and North America. He was a founding member of the McKinsey Budapest office. Mr Lamb holds a BA in Economics and History from the University of California, Davis, and an MBA from the Ross School of Business at the University of Michigan.

Dirk Lebe

Dirk Lebe

Deputy Program Director and Financial Services Specialist, Sustainable Cocoa Production Program
Swisscontact

Dirk Lebe has a cooperative banking, regional development banking and microfinance background and has been working for more than 20 years in the financial sector in Europe, Africa and Asia. He is currently Deputy Program Director of the Sustainable Cocoa Production Program (SCPP) in Indonesia, designed and implemented by Swisscontact, the Swiss Foundation for Technical Cooperation, and funded by the Swiss State Secretariat for Economic Affairs, the Millennium Challenge Account Indonesia, the Sustainable Trade Initiative, and leading companies in the chocolate industry. As a Financial Services Specialist, Mr Lebe and his team implement the Agribusiness Financing Facility, promoting responsible access to finance for 90,000 cocoa farmers. Mr Lebe holds a PhD in Economics.

Jeff Liew

Jeff Liew

Regional Capacity Advisor
Pacific Financial Inclusion Programme (PFIP)

Jeff Liew is the Regional Financial Capacity Advisor with the Pacific Financial Inclusion Programme (PFIP), established by the United Nations Capital Development Fund (UNCDF) and the United Nations Development Programme (UNDP). His work encompasses the measurement of financial competencies, leading to the formulation of national financial literacy strategies. He has worked on client empowerment and protection in relation to mobile money and overseeing cutting edge work on financial education curriculum development. Mr Liew is actively engaging with commercial banks and other financial services providers to incorporate financial literacy in their strategies to reach lower income markets. Through PFIP advocacy, Pacific Ministers of Finance and Central Bank Governors have committed to the Money Pacific Goals to financially empower the majority of Pacific islanders by 2020.

Brian Lund

Brian Lund

East Asia Regional Director
Oxfam America

Brian Lund has been working with communities and farmers for 30 years throughout Australia and South East Asia. His experience in community development, finance, agriculture and natural resource management has enabled him to support a wide range of initiatives. Mr Lund brings organisational and business development experience gained from working on senior public service and private sector initiatives, and most recently with NGOs, culminating in his appointment to Oxfam. Having spent 15 years in Cambodia, he now leads the Oxfam team on several initiatives, including the savings-led microfinance programme, Savings-for-Change, which has been adopted by 40 development groups, reaching over 150,000 clients near or below the poverty line, 85 per cent of them women, and all benefiting from the financial, social and learning opportunities the programme presents.

Luxmon Attapich

Luxmon Attapich

Senior Country Economist, Thailand Resident Mission
Asian Development Bank (ADB)

Luxmon Attapich is Senior Country Economist at the Asian Development Bank (ADB) Thailand Resident Mission, in charge of macroeconomic and economic policy analysis and financial sector programmes. Dr Luxmon currently manages financial inclusion technical assistance programmes, focusing on access to financial services, supervision and governance of specialised and semi-formal financial institutions, and financial literacy.She also oversees water management and disaster risk reduction programmes, and leads governance-related work in Thailand. Before joining the ADB, Dr Luxmon worked at the Revenue Department and Fiscal Policy Office in Thailand’s Ministry of Finance.  She was also a chief of staff to the Minister of Finance and the Deputy Prime Minister from 2000 to 2005. She received a BA in Political Sciences from Chulalongkorn University, a postgraduate degree in Economics from University of Cambridge and a PhD in Southeast Asian Studies from the University of Hull, UK.

Tony Lythgoe

Tony Lythgoe

Practice Manager, Credit Infrastructure and Inclusion, Financial Markets
World Bank Group

Tony Lythgoe is a specialist in credit scoring, decisioning and risk management, and has worked for many years in the European, Australian and Asian credit industries. He has wide-ranging experience within banks and credit bureaus, and at IFC Advisory Services currently provides expert advice on all aspects of the development of financial infrastructure.

Mark Mackenzie

Mark Mackenzie

Asia Director
Lenddo

Mark Mackenzie manages Lenddo across East Asia and the Pacific region. Originally from Scotland, he has worked across Asia for the last 18 years. He began his career in construction engineering but finding the Scottish climate not suited to prolonged periods of construction work, he returned to university to take an MBA. After a brief interlude in academia where he worked in pioneering research in e-learning at Edinburgh University, he moved to Manila to take a consulting job and has never looked back. Mr Mackenzie considers working at Lenddo “the best job in the world”.

Graham Macmillan

Graham Macmillan

Director of Corporate Citizenship Partnerships, Citi, and Senior Program Officer
Citi Foundation

Graham Macmillan is Director of Corporate Citizenship Partnerships at Citi and a Senior Program Officer at the Citi Foundation. He develops and leads partnerships that enhance Citi’s reputation by working with internal and external business partners to drive social and economic impact. For the Citi Foundation, he designs and makes grant investments in program initiatives that advance the Citi Foundation’s economic progress mission. Mr Macmillan joined the Citi Foundation in 2010 as Program Officer for Microfinance and Enterprise Development. Prior to Citi, he was Senior Director of VisionSpring, an award-winning social enterprise selling consumer products to promote economic development, and a Director of Business Development at Helen Keller International, a leading international non-governmental organization. Mr Macmillan is the 2014 inaugural recipient of the Magis Global Changemaker Award from Santa Clara University. He is a member of the Executive Committee of the Aspen Network for Development Entrepreneurs (ANDE) and was a Term Member of the Council on Foreign Relations. Mr Macmillan received his BA from Colby College, an MSc from NYU Wagner, and an MBA through a joint program at NYU Stern, London School of Economics and HEC Paris School of Management.

Waseem Malik

Waseem Malik

Communications and Business Development Analyst
Pakistan Microfinance Network (PMN)

Waseem Malik is Communications and Business Development Analyst at Pakistan Microfinance Network (PMN), managing the areas of communications and public relations, event management, human resources and business development. He has worked in the microfinance sector for three years and contributed to a large extent to the development of PMN’s business plan for the next five
years. Mr Malik successfully organised the South Asia Regional Microfinance Conference, ‘Banking South Asia’s Half-Billion Unbanked’, in Pakistan -- the first ever conference held under the platform of the South Asia Micro-Entrepreneurs Network (SAMN). Mr Malik holds a Master’s degree in Business Administration; he has taken executive courses on Corporate Governance for Microfinance, Risk Management, and Human Resource Management in the Humanitarian Sector; and he has completed the diploma course on Microfinance at the Boulder Microfinance Training Program in Italy.

Victor Mallet

Victor Mallet

South Asia Bureau Chief
Financial Times

Victor Mallet is the Financial Times’ South Asia Bureau Chief, based in New Delhi. Prior to this role he spent four years as Madrid Bureau Chief, and before that he was the Editor of the FT’s Asia edition. Mr Mallet joined the FT in 1986 and has had a variety of overseas roles, including Southern African Correspondent from 1998 to 2001, South-East Asia Correspondent from 1992 to 1994, and Africa Correspondent from 1986 to 1988. Mr Mallet has also been Deputy Features Editor, Middle East Correspondent, Paris Correspondent and Chief Asia Correspondent. Before joining the Financial Times, Mr Mallet was a correspondent for Reuters in Johannesburg, Cape Town and Paris. He is the author of The Trouble with Tigers: the Rise and Fall of South-East Asia, which was published in 1999. He received the Society of Publishers in Asia’s award for opinion writing in 2005 and 2006. Mr Mallet is a graduate of Oxford University and holds a degree in English.

Joey Mendoza

Joey Mendoza

Senior Advisor, Payment Innovations
NetHope

Joey Mendoza has more than 30 years of professional experience in the telecommunications and information technology industries in Southeast Asia, South Asia and North America. After 16 years working for various mobile telecommunications companies and 13 years in IT with IBM, Sun Microsystems, Oracle and Lucent, Mr Mendoza has for the last 5 years been involved with international organizations and donor agencies such as USAID, the World Bank and IFC working on digital payments and mobile financial services. He is currently the Chief of Party for the USAID-funded e-MITRA project in Indonesia. In the Philippines, Mr Mendoza was the chief architect of the successful launch and implementation in 2004 of G-Cash, the world’s first card-less and cash-less mobile money solution, developed with Globe Telecom.

Randolph Montesa

Randolph Montesa

First Vice President and Head, Card and Electronic Banking Group
Land Bank of the Philippines

Randolph L. Montesa is First Vice President of Land Bank of the Philippines (LANDBANK). He currently heads the Card and Electronic Banking Group (CEBG), where he oversees the conceptualisation, development, implementation, marketing and management of LANDBANK’s electronic banking, debit and credit cards, and other alternative products and service delivery channels. Before his appointment as CEBG Head, Mr Montesa was the Head of the IT Project Management Office, where he spearheaded the establishment and implementation of a consistent and superior approach to project management. Prior to joining LANDBANK in 2003, Mr Montesa’s work experience included being a Project Manager with the world’s largest and most recognised technology company, a  Technical Support Analyst with the world’s largest enterprise software company, and a System Manager with the Philippines’ top airline company.

Deanna Morris

Deanna Morris

Programme Analyst
United Nations Capital Development Fund (UNCDF)

Deanna Morris is an Inclusive Finance Programme Analyst at United Nations Capital Development Fund (UNCDF), based in Bangkok. She is currently working as part of the UNCDF Shaping Inclusive Finance Transformations (SHIFT) programme, which focuses on assisting 6 million low-income individuals and MSMEs in transitioning from using informal financial services to formalised, well regulated, financial services by 2020. Ms Morris has previous experience working as a Project Manager at the United Nations Economic and Social Commission for Asia and the Pacific (ESCAP) in the areas of: public private partnerships in the energy sector, SME business development and trade policy. She has also worked as Senior Regional Programme Officer in the area of community development in Cambodia, and written as a Special Correspondent on Livelihoods and Economic Affairs for Global South Development Magazine. Ms Morris has a Master’s degree in Sustainable International Development from Brandeis University, US.

Nataliya Mylenko

Nataliya Mylenko

Senior Financial Sector Specialist, Finance & Markets Global Practice
World Bank Group

Nataliya Mylenko leads the World Bank’s work on financial sector development in the Philippines. She has also worked on a range of development issues at the World Bank, IFC and the International Monetary Fund. She is the lead author of a number of World Bank Group reports, including the Global Survey on Consumer Protection and Financial Literacy (2014), and the Financial Access 2009 and 2010 reports, which introduced for the first time indicators of financial access in 140 countries as well as analysis of trends in financial access policies. Over the past 10 years, Ms Mylenko has worked in over 50 countries on financial sector development, SMEs and microfinance, financial consumer protection and credit reporting. Most recently, she has been based in East Asia, working on a number of areas in the Philippines as well as microfinance supervision in Myanmar, SME finance policy in Malaysia, and financial inclusion and community development in Indonesia.

Nina Nayar

Nina Nayar

Associate
Foundation for Development Cooperation (FDC)

Nina Nayar is an independent consultant with 25 years of experience in micro and small enterprise development, with specialisation in strategic planning, institutional and human resource development, training, market research and product design, sector policy and advocacy, social performance management and financial inclusion. Ms Nayar has field experience in over 30 countries and has worked with a number of agencies, including multilateral and bilateral organisations, as well as for-profit and not-for-profit financial institutions. She currently serves on the board of ECLOF International and is an advisor to the Foundation for Development Cooperation (FDC)/Banking With The Poor Network (BWTP). Prior to consulting, Ms Nayar served as Executive Director of the International Network for Alternative Financial Institutions (INAFI). She is currently based in Cochin, India. She holds an MA from the University of Pennsylvania, and a BA from the University of Virginia.

Nhan Phan Cu

Nhan Phan Cu

Director of International Cooperation Department
Vietnam Bank of Social Policies (VBSP)

Nhan Phan Cu is Director of the International Cooperation Department at the Vietnam Bank for Social Policies (VBSP). Prior to this position, he worked as VBSP’s Branch Director in the city of Haiphong. Before joining VBSP, Mr Nhan worked in the head office of the Vietnam Bank for Agriculture and Rural Development (Agribank) as a finance and accounting specialist. He also served as manager of the information, accounting and finance departments of the Agribank Financial Leasing Company. Mr Nhan holds a BSc from Ha Noi Banking University, a BSc from the National Institute of Public Administration, and an MBA from the Asian Institute of Technology in Thailand.

Zahra Niazi

Zahra Niazi

Senior Manager, Financial Inclusion Program
Innovations for Poverty Action (IPA)

Zahra Niazi is a Senior Manager for the Financial Inclusion Program at Innovations for Poverty Action (IPA). She manages the Financial Services for the Poor Initiative, supporting research focusing on improving the design and delivery of digital ​innovations​ to help low-income households access and benefit from formal financial services. She holds a Master’s degree in Public Policy from the Harvard Kennedy School and a Bachelor’s degree in Economics from the Lahore University of Management Sciences.

John Owens

John Owens

Chief of Party
USAID E-PESO

John Owens is an attorney, consultant, board member and senior advisor with more than 27 years of experience in inclusive financial services, with a focus on digital financial services and payments. He is currently the Chief of Party for the USAID E-PESO project in the Philippines and most recently worked with more than 125 regulators and policy makers from 96 countries with the Alliance for Financial Inclusion (AFI). In this role he provided support to the Digital Financial Services Working Group, the African Mobile Phone Financial Services Policy Initiative, and represented AFI on the G20 Global Policy for Financial Inclusion subgroup on Markets and Payments Systems. He has written and lectured on various aspects of digital financial services, financial inclusion, and policy and regulatory environment. He holds a JD in Law from Notre Dame Law School.

Shankar Pande

Shankar Pande

Chief General Manager
National Bank for Agriculture and Rural Development (NABARD)

Shankar Pande is Chief General Manager at India’s National Bank for Agriculture and Rural Development (NABARD) in Jammu and Kashmir State. NABARD, a Government of India organisation, is the apex development institution for agriculture and rural development through credit and non-credit support and policy formulation. Previously, Mr Pande was General Manager at NABCONS – a consultancy arm of NABARD, headquartered in Mumbai. He also served as NABCONS’ Business Head for the Africa region, based in Nairobi. Mr Pande was instrumental in upscaling the microfinance portfolio in India’s Bihar State, through the SHG-Bank Linkage Programme. He also served as a Faculty Member at the prestigious Bankers Institute of Rural Development (BIRD) in Lucknow, India for six years. He led a multi-disciplinary team to implement a participatory Maharashtra Rural Credit Project in Chandrapur District of Maharashtra State, focused on credit intensification for the poor and for women. His key interests are development financing, project appraisal and monitoring, microfinance, agricultural financing, credit-led poverty alleviation, rural credit policy, and development consulting.

Abhay Pareek

Abhay Pareek

Senior Analyst and Practice Group Leader
MicroSave

Abhay Pareek leads the Private Sector Development practice at MicroSave. He has significant practical experience in technical assistance and capacity building projects in SME Finance, Value Chain Development and Finance, Microfinance, Youth Development, Financial Literacy, Digital Financial Services and Education projects in India, Sri Lanka, the Philippines, Bangladesh, Indonesia, Kenya and Uganda. As a Management Consultant, he has worked with multilaterals, financial institutions, non-government organisations, producer companies, and farmer collectives. His expertise lies in sector assessment and scoping, business planning and programme formulation; product design and processes development; business plan rollout, and implementation support. Key projects include landscape study on agri-intervention for a multilateral in Sri Lanka; technical assistance to two producer companies in India; value chain finance for different crops in the Philippines; Agri, Cattle, Dairy and Enterprise loan products design and implementation; and trainings for Community-Based Organisation (CBO) leaders on governance and leadership.

Dina Pons

Dina Pons

East Asia Regional Director and Social Performance Manager
Incofin Investment Management

Dina Pons is Incofin East Asia Regional Director and Social Performance Manager, based in Phnom Penh, Cambodia. She is a board member of AMK, one of the leading Cambodian microfinance institutions. She also sits on the board of directors of the Social Performance Task Force (SPTF) and co-chairs the Social Investors Working Group. Ms Pons manages a portfolio of $80m, serving more than a dozen financial services providers across East Asia. Prior to joining Incofin, Ms Pons lived in the Philippines, where she worked as a senior analyst for the microfinance-specialised ratings agency Planet Rating. She also lived in China, where she was part of the team that set up one of very few foreign-owned microfinance institutions in the country, MicroCred Nanchong in Sichuan. Ms Pons holds Master's degrees from Sciences Po Paris and the London School of Economics.

Alok Prasad

Alok Prasad

Principal Advisor, RBL Bank, and former CEO
Microfinance Institutions Network (MFIN)

Alok Prasad is a veteran banker and from 2010 to 2015, the founder CEO of India’s Microfinance Institutions Network (MFIN). He has held senior positions across institutions ranging from the Reserve Bank of India (RBI) to Citibank. Straddling the government/regulatory world and the private sector, Mr Prasad successfully steered the microfinance industry through its crisis phase. The subsequent mainstreaming of MFIs and their integration into the national financial architecture have been an outcome of the advocacy work done by MFIN under his leadership. Passionate about financial inclusion and regulatory issues, Mr Prasad has worked closely with the RBI, the Government and the microfinance industry for development of an appropriate policy framework for promoting access to finance in India. Mr Prasad is credited with making MFIN the first RBI-recognised Self-regulatory organisation (SRO) in the financial sector. He also served as the Chairperson of the South Asian Microfinance Network for 2013-15. Mr Prasad is currently connected with a number of banks and other financial institutions in an advisory capacity.

Ganesh Rengaswamy

Ganesh Rengaswamy

Co-founder and Partner
Quona Capital and Accion Frontier

Ganesh Rengaswamy is a seasoned entrepreneur and impact technology venture investor across India, Asia and Silicon Valley. He is Co-founder and Partner at Quona Capital, which manages the first global financial technology fund for the unbanked and underserved. Quona Capital was spun off from Accion's Frontier Investments Group (FIG). Prior to joining FIG in 2014, Mr Rengaswamy was General Partner at Lok Capital, a venture growth fund that invests in social enterprises with innovative and technologically advanced services in financial inclusion, education, and employability. He previously served as the Asia Director for Unitus Inc, a global organisation that works to reduce poverty by finding commercially sustainable solutions in financial inclusion. Prior to Unitus, he led the entry of Greylock Partners, a leading Silicon Valley venture growth fund, into the Indian market. Prior to Greylock, he co-founded Travelguru.com while studying at Harvard. Travelguru became the largest online hotels consolidator in India and South Asia and was acquired by Travelocity. He holds an MBA from Harvard Business School, a postgraduate diploma in management from the Indian Institute of Management and a Bachelor’s degree in Chemical Engineering from the Indian Institute of Technology.

Pia Roman-Tayag

Pia Roman-Tayag

Director, Inclusive Finance Advocacy
Bangko Sentral ng Pilipinas

Pia Bernadette Roman Tayag is head of the Inclusive Finance Advocacy Staff (IFAS) of Bangko Sentral ng Pilipinas. She is involved in the overall financial inclusion work of the central bank, particularly in the areas of policy and regulation, capacity building, advocacy and relationship building.

She is also a member of the Steering Committee of the Smart Campaign, a global effort to instill a client-centered approach in microfinance. She is a member of the Policy Advisory Group of the Innovations for Poverty Action Financial Capability Research Fund. Ms Roman Tayag is a fully certified trainer of the United Nations Capital Development Fund (UNCDF) Microfinance Distance Learning Course. She graduated with a Bachelor’s degree in Public Administration from the University of the Philippines and a Master’s degree in International Affairs with a focus on Economic Development from Columbia University. She is also a Fellow of the Fletcher School Leadership Program for Financial Inclusion at Tufts University.

John Rubio

John Rubio

President and CEO
BPI Globe BanKO

John Rubio is the President and CEO of BPI Globe BanKO, the Philippines’ first and largest mobile-only bank. BanKO is focused on banking the unbanked, and ensuring access to capital by providing an alternative to informal lenders for base of the pyramid borrowers. Previous to BanKO, Mr Rubio spent 15 years as a management consultant and strategy practitioner in the telecommunications and technology space for Globe Telecoms in the Philippines, and globally for McKinsey & Company, IBM and KPMG. He graduated from Pennsylvania State University with a dual MBA and MMM degree. His published articles deal primarily with micro-market management and driving mobile money adoption.

Jorge Rubio Nava

Jorge Rubio Nava

Business Director
Citi Inclusive Finance

Jorge Rubio Nava is a founding member of Citi’s Global Inclusive Finance & Microfinance Group, based in London and created in 2005 to spearhead the group's commercial efforts to support social and financial inclusion around the world. Mr Rubio designed Citi's strategy to engage the microfinance sector across Citi's businesses in over 40 countries. He also structured award winning microfinance transactions in the capital markets (2006 IFC/Financial Times Sustainable Deal of the Year Award) including the first investment grade local issuance for a microfinance institution. His work around social and financial inclusion spans sustainable value chain development and digital financial services reaching the unbanked. Mr Rubio has formed public and private sector partnerships to expand access through innovative channels. In a totally new approach to product development in financial services, he introduced new crowdsourcing models to develop app solutions that leverage deeper internet and smartphone penetration among the underserved. He is currently leading the development of a bond practice to bring public and private sector issuers to the international capital markets with developmental projects, attracting investors with both social and economic goals. In 2009 Mr Rubio was invited as an Associate to the David Rockefeller Centre for Latin-American Studies at Harvard University. He holds an MBA from Columbia Business School in New York and Instituto de Estudios Superiores de la Empresa in Barcelona, Spain, and a BA in Mechanical and Industrial Engineering from the Universidad Anáhuac, Mexico.

Mark Ruiz

Mark Ruiz

President
Hapinoy

Mark Ruiz is Co-Founder and President of Hapinoy, a social enterprise that empowers women microentrepreneurs at the Base of the Pyramid through training, linkage to microfinance institutions, and mobile technologies; He is also Founding Partner and Board Member of Rags2Riches, which helps urban poor communities create fashion-designer items from upcycled materials. He is a Global Social Benefit Institute (GSBI) Online Mentor of Santa Clara University, and a Social Entrepreneur-in-Residence at the INSEAD Centre for Entrepreneurship. Mr Ruiz has been recognised as a Philippines21 Young Leader by AsiaSociety (2008), a Go Negosyo Young Inspiring Social Entrepreneur (2010), an Ernst & Young Entrepreneur of the Year finalist (2010),  a Global Social Benefit Incubator Fellow (2011); an Asian Social Entrepreneur by the World Economic Forum's Schwab Foundation for Social Entrepreneurs (2013), a DevEx 40 Under 40 (2013), a Rappler’s Do More Awardee for Social Entrepreneurship (2014), and a Purpose Economy 100 Awardee (2014).

Subrata Sarkar

Subrata Sarkar

Operations Director, Digital Equalizer Program
American India Foundation

Subrat Sarkar is Operations Director for the Digital Equalizer programme at American India Foundation in Odisha, India. He has more than a decade of experience in the social development sector with a focus on education – specifically technology in education or “techno-pedagogy”. He has been involved in designing and developing projects, programme planning, implementation and supervision, financial planning and budgets, qualitative and action research, policy and advocacy, and training and capacity building. His research interest lies in effectively leveraging technology in education to impact learning outcomes. He has a number of publications to his credit. Mr Sarkar is currently engaged in an action research study focusing on the learning outcomes of students in specific subjects such as science, mathematics and geography as a result of teacher training, coaching and mentoring on techno-pedagogy. He holds a Master’s in Political Science with a specialisation in Political Sociology and International Relations including Defence and Strategic Studies. He also holds a Bachelor’s in Law.

Manoj Sharma

Manoj Sharma

Managing Director
MicroSave

Manoj K Sharma is MicroSave’s Managing Director for Asia and has been working in the field of development finance for more than 20 years. At MicroSave, an advisory and consulting company working in the field of financial inclusion, Mr Sharma manages the Asia-Pacific region, with an interest specifically in the development of innovative products and technology-based channels to enable financial services to be sustainably delivered to low-income segments. Mr Sharma has extensive experience in the field of financial inclusion, including the use of agent-based outreach channels, and has also been supporting the move towards digitisation of government benefits and direct cash transfers. Prior to MicroSave, he worked with the Small Industries Development Bank of India, a development financial institution.

Catherine Simmons

Catherine Simmons

Head, Asia Pacific Government Affairs
Citi

Catherine Simmons joined Citi in 2013 as the regional Head of Government Affairs for Asia Pacific. She works closely with senior management, business heads and Citi Country Officers to protect and enhance Citi’s interests by engaging with policymakers and industry groups on a wide range of issues. Ms Simmons coordinates and manages the Government Affairs representatives in the region. She also works on global regulatory reform issues. Prior to joining Citi, Ms Simmons worked at State Street Bank and Trust as Head of Regulatory, Industry and Government Affairs, Asia Pacific for over six years. Before that, she was a diplomat at the Australian Embassy Beijing for five years, a research fellow in the Faculty of Law and Politics at Keio University, Japan for four years, and a policy advisor on political, strategic, economic and aid issues in the Australian Departments of Prime Minister and Cabinet and Foreign Affairs and Trade for 15 years. Ms Simmons has played an active role in various industry associations, including the APEC Business Advisory Council (Board Member), US-ASEAN Business Council (Financial Services Committee Member), Asian Securities Industry and Financial Markets Association (Alternate Board Member) and the American Chamber of Commerce in Hong Kong (Financial Services Committee Head and Board member).

Sokha Huot

Sokha Huot

Chief Business Officer
AMK Microfinance Institution

Sokha Huot joined AMK Microfinance Institution as Chief Business Officer in May 2012. He has more than 15 years’ experience in international trading companies, microfinance, and the banking industry. Previously, he worked for Maya Corporation of Singapore, Amret microfinance institution, ANZ’s WING mobile and branchless banking unit, and CIMB Bank of Malaysia, as Sales Manager, Marketing & Communications Manager, Business Relationship Manager, and Head of Marketing & Product Development respectively. Mr Sokha also worked as a consultant and researcher for projects on microfinance product development and savings mobilisation in Cambodia’s rural areas for the Asian Development Bank and a microfinance project managed by French NGO GRET and the Cambodian Center for Study and Development in Agriculture (CEDAC). Mr Sokha earned a Bachelor of Management and Marketing degree from MVU University, and an MBA from Charles Sturt University, Australia. He also completed postgraduate study on Finance Development at Naropa University in the US.

Dan Songco

Dan Songco

President and CEO
PinoyME Foundation

Danilo Songco is President and CEO of PinoyME Foundation, a non-profit organisation established by former Philippine President Corazon Aquino to support microfinance institutions and promote the growth of microenterprises in the Philippines. Mr Songco also serves as a consultant to various bilateral and multilateral institutions. He has taken leadership positions in several civil society organisations and served in different capacities in the Philippine government. He was a member of the board of directors of the Development Bank of the Philippines from 2001 to 2004. Mr Songco was an awardee of the World Bank’s Development Marketplace in 2000, was named the Ninoy Aquino Fellow for Public Service by the US State Department in 2002, and was a fellow of the Eisenhower Exchange Fellowship in 1999. He has a Master’s degree in Public Administration from the Kennedy School of Government at Harvard University.

Lara Storm

Lara Storm

Director, Financial Inclusion
MIX

Lara Storm is the Director of Financial Inclusion at MIX, responsible for leading MIX’s growing portfolio of financial inclusion projects and helping to shape overall financial inclusion programme strategy and products. Ms Storm leads financial inclusion data collection, analysis, and tools development, and seeks to build partnerships to support MIX’s financial inclusion offerings, particularly with regulators, policy makers and related data providers. She leads a team of expert data wranglers to produce innovative maps and other data visualisation products and analysis that will support decision making aimed at increasing financial access across the developing world.

Dorothy Stuehmke

Dorothy Stuehmke

Program Officer
Citi Foundation

Dorothy Stuehmke is a Program Officer at the Citi Foundation responsible for managing grant-making activities across the Asia Pacific region and key global partnerships within the Foundation’s three focus areas: financial inclusion, youth economic opportunities and urban transformation. Prior to joining the Citi Foundation in 2013, Ms Stuehmke held positions in the public and private sectors, including with the US government, United Nations and nonprofits, where she focused on foreign policy, international development, public affairs and communications in the Asia Pacific region. She was also the Senior Advisor to the 2008-2009 US-North Korea Food Aid Program for the US Agency for International Development, where she oversaw implementation of the largest US government food aid initiative in history in North Korea in coordination with a consortium of US NGOs and the UN World Food Program. Ms Stuehmke was a Boren National Security Education Program Fellow and a Korean Language Flagship Fellow. She holds a Master's degree in Public Administration from the Robert F. Wagner School of Public Service at New York University and a Bachelor's degree from the University of Wisconsin-Madison. She was a Council on Foreign Relations Term Member (2008-2013) and speaks Korean and German.

Eugene Tan

Eugene Tan

Investment Analyst
Symbiotics

Eugene Tan began his career in real estate where he worked in asset management and risk management. Prior to joining Symbiotics, he held a position in a government economic agency where he was in responsible for executing technical assistance projects, collaborations with Development Finance Institutions and conducting investment analysis for infrastructure projects. He holds a Bachelor of Science degree with double majors in Economics and Political Science from the Singapore Management University. He is a CFA Charterholder.

Bea Teh-Tan

Bea Teh-Tan

Consumer Business Manager and Managing Director
Citi Philippines

Bea Teh-Tan was appointed Consumer Business Manager for Citi Philippines in 2013. Prior to this role, she was Credit Payment Products Head, managing the consumer finance portfolio, including credit cards and personal loans. Ms Tan joined Citi Philippines in 1998 and has held a variety of roles including Strategic Planning Head and Head of Cards Marketing, Sales and Distribution. Her achievements in the credit card business, where Citi retains a leading market share, have been instrumental in driving the growth of Citi’s consumer banking business in the Philippines. Under her leadership, Citi launched the PayLite Installment platform, which is now widely used in other Asia Pacific countries, as well as a number of other award-winning products. She forged key partnerships with other industry leaders that have resulted in an enviable portfolio of credit card products as well as personal loans. In 2008, Ms Tan was recognised by The Asian Banker as one of the Top 100 Most Promising Young Bankers in Asia Pacific and the Gulf Region. She graduated from De La Salle University with a Bachelor’s degree in Commerce, majoring in Economics and Business Management.

Preeti Telang

Preeti Telang

CEO
Swadhaar FinAccess

Preeti Telang has been associated with Swadhaar since 2008, focusing on financial education and financial inclusion for the urban slum dwellers in Mumbai and Gujarat in India. She was involved in researching, designing, developing and implementing Swadhaar’s Financial Education Programme and Financial Inclusion and Literacy Centres (FILC), and also introduced digital financial education to the programme. Ms Telang is currently the CEO of Swadhaar FinAccess, the not-for-profit entity, and Vice President for Customer Service, Client Protection and Training at Swadhaar FinServe Pvt Ltd. She leads all the customer protection and social performance initiatives in Swadhaar, and also heads the staff training department. She has over 20 years’ experience in the development sector, specifically in the area of communication. During her career, she has developed and designed communication strategies and training modules, and conducted a number of Training of Trainers and communication skills workshops, especially for NGO grassroot workers. Ms Telang holds an MBA in Social Entrepreneurship and a Master’s in Social Work from Mumbai University.

Camilo Tellez

Camilo Tellez

Knowledge and Research Consultant
Better Than Cash Alliance

Camilo Tellez-Merchan leads Knowledge and Research work at the Better than Cash Alliance (BTCA), providing technical expertise to BTCA members in their transition to digital payments. Prior to joining BTCA, he worked for CGAP at the World Bank as a Financial Sector Specialist in the area of digital payments and financial inclusion. He was also an analyst for the Mobile Money for the Unbanked (MMU) Program at the GSM Association in London, where he supported mobile network operators in Latin America as they developed mobile financial services. He has worked at the United Nations Economic and Social Commission for Asia and the Pacific (UN ESCAP) in Bangkok, and at Microsoft Labs in Bangalore conducting Information and Communication Technologies for Development (ICT4D) research. He also completed an appointment at the World Bank’s aid effectiveness unit as a Junior Associate. Mr Tellez-Merchan holds graduate degrees from the Johns Hopkins University School of Advanced International Studies (SAIS), the London School of Economics and Political Science, and Sciences Po in Paris.

Cathleen Tobin

Cathleen Tobin

Director, Product Development
Women’s World Banking

As Director of Consumer Insights & Engagement, Cathleen Tobin spearheads all product-related consumer research at Women’s World Banking, the global non-profit devoted to giving more low-income women access to the financial tools and resources they require to build security and prosperity. Ms Tobin uses insights from this research to develop marketing and loyalty and customer care programmes for savings, credit and insurance products developed in collaboration with Women's World Banking network members and associates.  All of Women's World Banking’s products are designed to meet the needs of unbanked and underbanked women. For that reason, marketing in this context typically includes a financial education component.  Prior to joining Women's World Banking, Ms Tobin designed and led marketing and branding efforts for Unilever, Revlon, and Johnson & Johnson. She holds a BA in Sociology from the College of the Holy Cross and an MBA from Cornell University.

Dolores Torres

Dolores Torres

President and CEO
CARD Bank

Dolores M. Torres is the President and CEO of CARD Bank, a member of CARD MRI (Mutually Reinforcing Institutions) in the Philippines. In her 29 years with CARD MRI, Ms Torres has held various positions and garnered vast experience in the areas of microfinance. She is currently responsible for the overall management of the bank and its branches. Under her leadership, CARD Bank has been recognised as Financial Inclusion Champion of the year by Bangko Sentral ng Pilipinas, the Central Bank, for five consecutive years, from 2011 to 2015. Ms Torres also helps in the management of the 12 other member institutions of CARD MRI as a board member or board adviser. In addition, she has helped in the setting-up and implementation of microfinance initiatives in other Asian countries, such as Vietnam, Laos, Cambodia, Myanmar and Hong Kong. Ms Torres holds an Executive MBA from the Asian Institute of Management in the Philippines and has completed an executive education course at Harvard Business School, US.

Simoun Ung

Simoun Ung

President and CEO
Omnipay

Simoun Ung is the President and CEO of OmniPay, Inc, the Philippines’ leading issuer of prepaid payment cards and innovator for financial inclusion. He is also Vice Chairman of Bastion Payment Systems Corp, and serves on the Board of Directors of Transpacific Broadband Group International Inc. He is Chairman of Wycliffe Bible Translators Philippines, Inc, and a Deacon and Presider at Grace Christian Church of the Philippines. He is the Chairman of the Security Disaster Resource Group Committee of the American Chamber of Commerce in the Philippines, and Vice Chairman of the Overseas Security Advisory Council - Manila Country Council, a Federal Advisory Committee under the US Department of State. He is a Commander in the Philippine Coast Guard Auxiliary and the incoming Deputy Comptroller. He is also a member of the Management Association of the Philippines. Mr Ung has an MBA from the Ivey School of Business of the University of Western Ontario, and a Bachelor of Arts degree in Psychology and Economics from the University of British Columbia. He received additional training with the 2nd Advanced Programme for Central Bankers and Regulators at the Institute of Global Economics and Finance, Chinese University of Hong Kong.

Robin Varghese

Robin Varghese

Senior Fellow and Vice President of International Operations
Policy and Economic Research Council (PERC)

Robin Varghese is a founding member, Senior Fellow and Vice President of International Operations of the Policy and Economic Research Council (PERC). He has worked extensively on issues of information privacy and security, data quality, credit reporting and credit reporting reform in the US and abroad, focusing especially on the use of information for financial inclusion. He has also worked on the use of private sector data for the development of public policy monitoring applications. Dr Varghese’s core responsibilities include the design and development of methodology for PERC’s studies. He is the co-author of many PERC studies on economic development, credit reporting and financial access. He has also worked on behalf of PERC with the US Federal Trade Commission, the Government Accountability Office, members of Congress, and NGOs and government agencies in several countries on policy issues directly related to PERC’s core research. Dr Varghese received a PhD in Political Science from Columbia University in the US, specialising in comparative political economy.

Orlando Vea

Orlando Vea

Founder, Smart Communications, and President
Voyager Innovations

Orlando B. Vea is the head of the PLDT Group's Digital Unit. In this capacity, he serves as President and CEO of Voyager Innovations, Inc, the Unit's flagship company, and of Smart E-money, Inc. Mr. Vea is a co-founder of Smart Communications, Inc. and was its CEO in its early years.  He is also the founder of Cignal TV, the Philippines’ largest pay TV operator, which is now part of the PLDT Group. He currently serves as a member of the Advisory Board of PLDT, and is a director and the President of PLDT Communications and Energy Ventures, Inc. He also sits in the board of other companies in the PLDT Group. Mr Vea is a recognised leader in the Philippine technology and start-up community. He graduated cum laude from the University of the Philippines, with a Bachelor of Arts degree in Economics.

Rolando Victoria

Rolando Victoria

Executive Director
ASKI

Rolando Victoria is known as one of the  pioneers of the microfinance industry in the Philippines, with 28 years of experience. He has been on the founding board of Alliance of Philippine Partners in Enterprise Development (APPEND), Microfinance Council of the Philippines, Inc (MCPI),  Opportunity Kauswagan Bank (formerly Opportunity Microfinance Bank), Central Luzon Association of Microfinance Institutions, Inc (CLAM) and RIMANSI Organization for Asia and the Pacific. Recently, he was appointed as a board member of the Inter-Asia Development Bank. Mr Victoria is also the President of Social Initiative Against Catastrophe (SICAT). He is a Certified Public Accountant and also completed the Program for Development Managers at the Asian Institute of Management in Manila.

Pooja Wagh

Pooja Wagh

Program Manager, Financial Capability Initiative, Financial Inclusion Program
Innovations for Poverty Action (IPA)

Pooja Wagh is a Program Manager in the Financial Inclusion Program at Innovations for Poverty Action (IPA). She manages the Financial Capability Initiative, which specialises in the evaluation of innovative products and programmes that aim to improve the financial capability of low-and middle-income individuals in developing countries. Prior to joining IPA, Ms Wagh spent four years at IBM Global Business Services. She holds a Master’s degree in Public Policy from the Harvard Kennedy School and a Bachelor’s degree in Electrical Engineering from the Massachusetts Institute of Technology.

John Won

John Won

Senior Design Lead
IDEO.org

John Won is a Senior Design Lead at IDEO.org, a global non-profit design and innovation firm focused on poverty-related challenges. Mr Won helps lead the Financial Opportunity programme area, manages design teams, and guides partner organisations in the Human-Centered Design process. This ranges from helping research and generate customer insights to testing rapid prototypes and planning pilots. He continues his experience from the 2012-13 IDEO.org Fellowship when he worked on projects that ranged from improving mobile-money services among low-income people in Ghana to understanding long-term and youth unemployment in the US. Mr Won came to IDEO.org from IDEO’s New York office where he worked at the intersection of communications design and business design. He specialised in translating complex information into simple storytelling. Previously, he served as a news graphics editor at the Wall Street Journal where he covered financial, economic and political news, worked on real estate financial graphics, and consulted in information design.

Mina Zhang

Mina Zhang

Senior Adviser, International & Institutional Relations, Asia Region
World Savings and Retail Banking Institute (WSBI)

Mina Zhang is responsible for managing relationships with World Savings and Retail Banking Institute (WSBI) members in Asia, coordinating their contributions to WSBI activities, developing joint regional initiatives and liaising with regional stakeholders and institutions. She is also involved in WSBI cross-cutting policy initiatives, such as microfinance, inclusive financial sectors, and financial literacy. Ms Zhang has a solid background in financial engineering and relationship management in an Asian banking environment.

Shengman Zhang

Shengman Zhang

Chairman, Asia Pacific
Citi

Shengman Zhang is Chairman of Asia Pacific at Citi. Prior to that, he was President of Asia Pacific. Before that, he was Vice Chairman of Global Banking and Chief Operating Officer for Citi Markets & Banking, Asia Pacific. Mr Zhang, a Chinese national, joined Citi in 2006 as Vice Chairman of Global Banking and Chairman of the Public Sector Group. He came to Citi from the World Bank where he was from 2001 to 2005 the Managing Director in charge of the Bank's day-to-day worldwide operations. He chaired the Bank's Operations Committee, the Sanctions Committee and the Corporate Committee on Fraud and Corruption Policy. He was also the Chairman of the Bank Group's Crisis Management Committee. Prior to that, from 1997 to 2001, he oversaw the World Bank's Corporate and Support Functions, and Sectors and Regions, respectively. From 1995 to 1997, Mr Zhang was Vice President and Corporate Secretary of the World Bank, and between 1994 and 1995, Executive Director for China. Earlier, he held a number of senior positions at China’s Ministry of Finance. Mr Zhang is a graduate of Fudan University, China, and attended McGill University, Canada as an exchange student. He holds an MPA degree from the University of the District of Columbia in Washington DC, and completed the Advanced Management Program at Harvard Business School.

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Why Attend?

  • Interact with policy-makers and learn about the latest national and regional initiatives focused on achieving greater financial inclusion in Asia-Pacific
  • Explore cutting-edge technology and product innovations presented by industry experts and discuss their impact on inclusion efforts
  • Share knowledge with fellow advocates and practitioners and find best practice solutions to the challenges you have experienced in your programmes
  • Find partners for your initiatives and discuss the models for public-private partnership that can most effectively achieve success at scale
  • Examine initiatives that embed financial capability in communities to help promote inclusion
  • Discuss the potential for microfinance to be the catalyst for driving entrepreneurship and SME creation in underprivileged communities
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Agenda - 27th Oct

  • 8:00am
    Registration & Continental Breakfast
  • 9:00am
    INTRODUCTION

    Co-Chairs:
    Dorothy Stuehmke, Program Officer, Citi Foundation
    Ed Jimenez, Microfinance Consultant, Bangko Sentral ng Pilipinas

  • 9:05am
    WELCOME REMARKS

    Victor Mallet, South Asia Bureau Chief, Financial Times
    Shengman Zhang, Chairman, Asia Pacific, Citi

  • 9:20am
    OPENING KEYNOTE

    Amando Tetangco, Jr, Governor, Bangko Sentral ng Pilipinas

  • 9:40am
    PLENARY PANEL DISCUSSION

    Financial Inclusion: A Catalyst for Sustainable Development and Economic Transformation

    Financial services providers and other private sector businesses are becoming increasingly aware that long-term growth strategies have to include initiatives that support sustainable development. These initiatives not only create new markets for business, they have the potential of boosting social progress, overall economic activity and shared prosperity. The important role of finance – and financial inclusion -- in accelerating this process will be re-emphasised in the UN Sustainable Development Goals. While advances in technology in recent years have helped millions of people in Asia- Pacific to enter the financial system, globalisation and urbanisation are placing new pressures on marginalised communities. What role can the private sector play in delivering the scale of financial inclusion required, and how can inclusive finance become a catalyst for economic transformation in Asia-Pacific? What are the most effective business models for supporting sustainable development? How are businesses creating long-term social, environmental and economic value in the communities in which they operate? How are they measuring societal and environmental impact as it relates to economic growth?

    Bhaskar Chakravorti, Senior Associate Dean and Executive Director, Institute for Business in the Global Context, The Fletcher School, Tufts University
    (Presentation - PDF File)
    Stephen Groff, Vice President, Asian Development Bank (ADB)

    Moderator: Graham Macmillan, Director of Corporate Citizenship Partnerships, Citi, and Senior Program Officer, Citi Foundation

  • 11:00am
    Networking Break
  • 11:30am
    PLENARY PANEL DISCUSSION

    Financial Inclusion in the Digital Era - Transformation in the Market 

    Digital technology and services are a game-changing opportunity to reach the unbanked and underserved in Asia-Pacific. The first of this two-part plenary draws on the innovation, experience and lessons from leading digital and mobile providers in applying digital technology, channels and products to reach the unbanked and underbanked in ways not contemplated just a few years ago. This session will also highlight how technology breakthroughs are enabling business model innovation in a variety of ways, such as use of incremental payments for capital purchases, the move from transaction-based to fixed cost fee structures, and using the digital platform as a customer feedback loop to tailor products and services.

    Sheikh Md Monirul Islam, Chief External & Corporate Affairs Officer, bKash Limited
    Yahya Khan, Chief Financial Services Officer, Telenor Pakistan, and Head of Easypaisa
    Jason Lamb, Deputy Director, Financial Services for the Poor, Bill & Melinda Gates Foundation
    John Rubio, President and CEO, BPI Globe BanKO

    Moderator: Amy Auster, Principal Consultant, Foundation for Cooperation Development (FDC)

  • 1:00pm
    LUNCH
  • 2:30pm
    CONCURRENT PANEL DISCUSSIONS AND WORKSHOPS

    Session A

    Panel: Best Practice Features of National Financial Inclusion Strategies

    The interest in national strategies to accelerate financial inclusion has burgeoned in recent years, globally and regionally. Several countries in Asia-Pacific have formulated, or are in the process of formulating, such strategies. What factors have motivated them to do so? What have been their core areas of focus? What role has the private sector played? This session will examine the various approaches in Asia Pacific and the insights that can be gained from this growing regional experience.

    Luxmon Attapich, Senior Country Economist, Thailand Resident Mission, Asian Development Bank (ADB)
    (Presentation - PDF File)
    Chuchi Fonacier, Managing Director, Bangko Sentral ng Pilipinas, and Co-Chair, Inter-agency Working Group for Policy and Regulation, National Strategy for Financial Inclusion
    (Presentation - PDF File)
    Jeff Liew, Regional Capacity Advisor, Pacific Financial Inclusion Programme (PFIP)
    (Presentation - PDF File)
    Waseem Malik, Communications and Business Development Analyst, Pakistan Microfinance Network (PMN)
    (Presentation - PDF File)

    Moderator: Ed Jimenez, Microfinance Consultant, Bangko Sentral ng Pilipinas

    Session B

    Panel: Women as Drivers of Financial Inclusion

    There is a significant gap between men and women in access to financial services and economic opportunity generally in Asia. Women are 20 per cent less likely than men to have an account at a formal financial institution and 17 per cent less likely to have borrowed money from a formal provider in the past year, while the Economic Intelligence Unit’s Women’s Economic Opportunity Index positions countries in Asia well below those in the OECD and G20 countries. Using recent case studies, practitioners from across the region will explore strategies and solutions that have successfully increased market inclusiveness and economic opportunities for women.

    Deanna Morris, Programme Analyst, United Nations Capital Development Fund (UNCDF)
    Preeti Telang, CEO, Swadhaar FinAccess
    Cathleen Tobin, Director, Product Development, Women’s World Banking

    Moderator: Nina Nayar, Associate, Foundation for Development Cooperation (FDC)

    Session C

    Workshop: Becoming Investor Ready

    The aim of this workshop is to help MFIs (or other financial intermediaries) that are transitioning to commercial funding become aware of investors’ evaluation criteria. Each participating organisation will have a 10-15 minute mock session with a Symbiotics Analyst, and will get feedback on focus areas. In addition to one-on-one sessions, a checklist will be provided and discussed to identify key focus areas that investors evaluate in an MFI due diligence. The checklist will enable MFIs to not only highlight strengths with investors, but also discuss reasons and remedies for areas of improvement.

    Facilitators:
    Anya Berezhna, Regional Manager, Symbiotics
    Rajitha Bearden, Senior Investment Analyst, Symbiotics
    Eugene Tan, Investment Analyst, Symbiotics

    Session D

    Workshop: How Human-Centred Design Can Uncover Insights and Create Solutions for Low-Income Communities

    This workshop will provide an overview of Human-Centered Design (HCD) methodology and its application in financial inclusion for low-income customers; offer examples of HCD methods and benefits in conducting qualitative research, ideation of new products and services, prototype testing, customer feedback, and iteration; share case studies of projects that applied HCD to financial-inclusion challenges; and share resources and tools with participants to apply HCD methods within their organisations.

    Facilitator: John Won, Senior Design Lead, IDEO.org
    (Presentation - PDF File)

  • 3:45pm
    Networking Break
  • 4:15pm
    PLENARY PANEL DISCUSSION

    Regulatory Frameworks Conducive to Financial Inclusion

    Appropriate policy and regulator settings are an important enabler of financial inclusion. In this session, regulators and policy-makers from across the Asia-Pacific region will share their insights into how regulatory frameworks are being used to achieve financial inclusion goals and discuss how best to respond to product, service and delivery innovation as well as increasing competition among regulated and non-regulated providers. The session will also highlight significant issues, insights and directions emerging from the G20’s Global Partnership for Financial Inclusion, the Alliance for Financial Inclusion, and APEC’s Asia-Pacific Forum on Financial Inclusion.

    Nestor Espenilla, Deputy Governor, Bangko Sentral ng Pilipinas
    U.S. Paliwal, Executive Director, Reserve Bank of India

    Moderator: Catherine Simmons, Head, Asia Pacific Government Affairs, Citi

Agenda - 28th Oct

  • 8:30am
    Continental Breakfast
  • 9:00am
    WELCOME
  • 9:15am
    PLENARY PANEL DISCUSSION

    Scaling Microfinance Institutions for Greater Impact

    The latest World Bank Global Findex report suggests the level of financial inclusion is increasing. However, 1.2 billion people in Asia remain unbanked. The challenge of bridging that gap has led to a select group of MFIs evolving the microfinance model by obtaining licences to operate as small banks. Transformation into small banks allows them to further extend their reach through high-technology, low-cost operations, despite greater banking operations costs, hurdles in building a base of retail deposits, and stringent regulatory requirements. How do MFIs that choose to become small banks strike a balance between their pro-poor and pro-growth goals? Do MFIs need to cross over to mainstream banking to further the goal of financial inclusion? What other initiatives are MFIs adopting to achieve impact at scale, or are small banks the future of sustainable microfinance? Or will new partnerships between banks and MFIs emerge to accelerate reach and impact, as each recognises the comparative advantages of the other?

    Shameran Abed, Director of Microfinance, BRAC
    Royston Braganza, CEO, Grameen Capital India
    Chandra Shekhar Ghosh, Chairman and Managing Director, Bandhan
    Dolores Torres, President and CEO, CARD Bank

    Moderator: Chandula Abeywickrema, Chairman, Banking With The Poor Network (BWTP)

  • 10:45am
    Networking Break
  • 11:15am
    CONCURRENT PANEL DISCUSSIONS AND WORKSHOPS

    Session E

    Panel: Making the Business Model Customer-Centric

    Digital finance and traditional finance are challenged by very low usage rates. How can financial service providers, such as banks, microfinance institutions, and mobile operators, design and provide products and services that poor customers will not only choose, but actively use? Becoming customer-centric is not easy, and often involves completely shifting the way a financial service provider operates. What are the different dimensions of customer centricity, its key ingredients, and the costs and benefits for providers? Experts will address different facets of a customer-centric business model, and share their challenges and successes, using CGAP’s framework as a reference.

    Ravi Agarwal, CEO, engageSPARK
    Anil Kumar, Founder and CEO, Samunnati
    Sokha Huot, Chief Business Officer, AMK Microfinance Institution

    Moderator: Eric Duflos, Regional Representative for East Asia Pacific, CGAP
    (Presentation - PDF File)

    Session F

    Panel: Creating Economic Opportunity for Smallholders and Traders through Value Chain Microfinance 

    This session will explore the potential for building livelihoods and economic opportunity through value chain microfinance and partnerships between smallholders/traders, producer cooperatives, market‐connected companies and financial services providers. Who are the main players in the value chain and what are their main strengths and challenges? How do production cycles, prices, productivity and family influence access to finance of smallholders/trader? What are the pros and cons of finance provided by downstream partners (e.g.: processors, exporters, manufacturers)? How can better microfinance contribute to building smallholder livelihoods and economic opportunity?

    Andi Ikhwan, Agriculture and Financial Services Program Director, Mercy Corps Indonesia
    (Presentation - PDF File)
    Dirk Lebe, Deputy Program Director and Financial Services Specialist, Sustainable Cocoa Production Program, Swisscontact
    (Presentation - PDF File)
    Abhay Pareek, Senior Analyst and Practice Group Leader, Microsave
    (Presentation - PDF File)

    Moderator: Dan Songco, President and CEO, PinoyME Foundation

    Session G

    Workshop: Financial Education in Flipped Classrooms

    The objective of this workshop is to demonstrate the use of flipped methodology in inculcating the habit of financial planning -- the knowledge and ability to monitor income and expenses and to make use of income and other available resources in the short and long term to enhance financial well-being. For each area of literacy, the workshop will first cover the knowledge and understanding that are essential, then the mental strategies and approaches that are called on to negotiate the material, and finally the situations in which the domain knowledge, skills and understandings are applied, ranging from the personal to the global.

    Facilitator: Subrata Sarkar, Operations Director, Digital Equalizer Program, American India Foundation
    (Presentation - PDF File)

    Session H

    Workshop: Financial Inclusion Technology Showcase

    Both the public and private sectors are anxious to contribute to the goals set forth in national financial inclusion strategies. However, timely and accurate market information remains scarce. MIX’s FINclusion Lab aims to address this knowledge gap by standardising and blending multiple datasets and applying data visualisation technology, including geospatial maps, to convey key market characteristics and opportunities for growth. These tools allow us to better understand how market characteristics such as population and literacy rates, at a sub-national level, relate to the types of products and services available in a given geographic area. During this workshop, participants will learn how to use the interactive online data visualisation tools to answer the questions they are currently grappling with as they look to develop new products or delivery channels, or measure the effectiveness of new policy or regulation.

    Facilitator: Lara Storm, Director, Financial Inclusion, MIX

  • 12:30pm
    LUNCH
  • 2:00pm
    CONCURRENT PANEL DISCUSSIONS AND WORKSHOPS

    Session I

    Panel: Bank Responses to the Challenges and Opportunities of Financial Inclusion

    Commercial banks across Asia are increasingly recognising the significant market potential of low income households, poor individuals and micro entrepreneurs, and are offering a wide range of products and services designed for these markets. How do these banks make the provision of these products and services a viable business option rather than just a social responsibility? How do commercial banks deliver traditionally high transaction cost / low margin products and services, viably? What gaps do commercial banks fill in the financial inclusion marketplace?

    Darwin Wibowo, President Director, Bank Andara
    (Presentation - PDF File)
    Finn Erik Kolnes, Senior Manager, Accenture Business Strategy
    (Presentation - PDF File)
    Alok Prasad, Principal Advisor, RBL Bank, and former CEO, Microfinance Institutions Network (MFIN)
    (Presentation - PDF File)

    Moderator: Bea Teh-Tan, Consumer Business Manager and Managing Director, Citi Philippines

    Session J

    Panel: Extending Inclusive Credit Using Non-Traditional Data

    Extending credit to low-income people or small and micro enterprises is challenging as they lack traditional data points such as proof of income or credit histories. Utilising non-traditional data from telecommunications and utilities companies, wholesalers, retailers and governments provides great promise for the creation of credit profiles for those outside the financial mainstream. How are financial and credit reporting service providers using this non-traditional data and what are the challenges in collecting it?

    Tony Lythgoe, Practice Manager, Credit Infrastructure and Inclusion, Financial Markets, World Bank Group
    Mark Mackenzie, Asia Director, Lenddo
    (Presentation - PDF File)
    Robin Varghese, Senior Fellow and Vice President of International Operations, Policy and Economic Research Council (PERC)
    (Presentation - PDF File)

    Moderator: Kelly Hattel, Financial Sector Specialist (Rural and Microfinance), Asian Development Bank (ADB)

    Session K

    Workshop: Strengthening Financial Inclusion of Women - Introduction to the Gender Performance Indicators

    This workshop will introduce participants to the Women’s World Banking Gender Performance Initiative (GPI), which aims to develop and analyse gender-based social and financial performance indicators in order to strengthen the financial inclusion of low-income women. It will give an overview of the Select 5 Indicators, which serve as the starting point for stakeholders to track and improve gender performance. The workshop will focus on how these indicators can help financial service providers analyse needs and staff gender diversity, and how serving women clients can contribute to financial sustainability and generate positive social outcomes. their outreach to women, the suitability of product design to meet women’s

    Facilitators:
    Jessie Fisher, Program Officer, Good Return
    Jaclyn Berfond, Specialist, Research, Monitoring & Evaluation, Women's World Banking
    (Presentation - PDF File)

    Session L

    Workshop: New Practical Tools for Digital Financial Inclusion

    The Better Than Cash Alliance, MicroSave and NetHope will bring together a group of policy-makers, financial inclusion experts, and implementers to learn about the latest practical tools to help practitioners advance financial inclusion. This workshop will allow participants to share knowledge with fellow advocates and practitioners, and find best practice solutions to the challenges experienced in the field with regards to capacity building.

    Facilitators:
    Joey Mendoza, Senior Advisor, Payment Innovations, NetHope
    (Presentation - PDF File)
    Manoj Sharma, Managing Director, MicroSave
    (Presentation - PDF File)
    Camilo Tellez, Knowledge and Research Consultant, Better Than Cash Alliance

  • 3:30pm
    Networking Break
  • 4:00pm
    PLENARY PANEL DISCUSSION

    Financial Inclusion in the Digital Era – Maximising Collective Impact

    The second of this two-part plenary discussion draws on the strategies and initiatives that financial inclusion and microfinance industry experts are using to leverage digital delivery. This session will discuss the latest trends in digital finance and how partnerships with financial services providers, government, donors, central banks and regulators, MFIs, community organisations and agents are extending the reach and range of digital finance into underserved Asia-Pacific communities. It will also identify critical issues confronting these stakeholders, such as customer protection and education, oversight of customer data and privacy, regulatory frameworks, alignment with financial inclusion strategies, plus other issues raised in the earlier plenary, and share examples of successful and promising initiatives in response.

    Greg Chen, Senior Financial Sector Specialist, CGAP
    Ruth Goodwin-Groen, Managing Director, Better Than Cash Alliance
    Orlando Vea, Founder, Smart Communications, and President, Voyager Innovations

    Moderator: Jorge Rubio Nava, Business Director, Citi Inclusive Finance

  • 7:00pm
    GALA DINNER

    Welcome Remarks: Aftab Ahmed, CEO, Citi Philippines

    Performance by Philippine Madrigal Singers and Emmanuelle Adda

Agenda - 29th Oct

  • 8:30am
    Continental Breakfast
  • 9:00am
    WELCOME
  • 9:05am
    PLENARY PANEL DISCUSSION

    The Philippines Experience – What’s Next?

    The Philippines is well known globally for its achievements in microfinance and financial inclusion -- in particular its regulatory environment, conducive to the development of new technologies and business models that expand customer outreach and improve efficiency in financial services delivery. In terms of financial inclusion, the country has been ranked top in Asia and third in the world. It is now time to move up to the next level of innovation and spur massive scale. This session will look at next-generation payments channels, as well as ground-breaking products in insurance and financial education. What are the key opportunities, and the obstacles that need to be addressed, for the Philippines to extend the frontiers of digital financial inclusion?

    Marina Dimova, Vice President, Ideas42
    (Presentation - PDF File)
    Mark Ruiz, President, Hapinoy
    (Presentation - PDF File)
    Simoun Ung, President and CEO, Omnipay
    (Presentation - PDF File)
    Rolando Victoria, Executive Director, ASKI
    (Presentation - PDF File)

    Moderator: Pia Roman-Tayag, Director, Inclusive Finance Advocacy, Bangko Sentral ng Pilipinas

  • 10:45am
    Networking Break
  • 11:15am
    CONCURRENT PANEL DISCUSSIONS AND WORKSHOPS

    Session M

    Panel: How G2P Transfers Can Accelerate Financial Inclusion

    The implementation of government electronic disbursement schemes, or government-to-person (G2P) transfers, have played a significant role in increasing financial inclusion in many parts of the world -- particularly for its role in the development of the mobile money ecosystem. Public-private partnership G2P transfers, such as salaries, pensions, conditional cash transfers and other types of social benefits, have helped to support the broadening of financial services. Additionally, G2P initiatives have helped to reduce administrative costs for payments, increase convenience for customers, provide greater security and mitigate corruption. With the popularity of G2P initiatives on the rise globally, more case studies are highlighting how they can be used to leverage additional services to further expand financial inclusion. On the other hand, there are case studies highlighting the sometimes unintentional negative consequences of G2P transfers. This session will examine some of these case studies with the aim of identifying the best practice features of a G2P programme.

    Randolph Montesa, First Vice President and Head, Card and Electronic Banking Group, Land Bank of the Philippines
    (Presentation - PDF File)
    Nataliya Mylenko, Senior Financial Sector Specialist in Finance and Markets, World Bank Group
    (Presentation - PDF File)

    Moderator: Shankar Pande, Chief General Manager, National Bank for Agriculture and Rural Development (NABARD)

    Session N

    Panel: Technology-Enabled Asset Building and Preservation

    Among the poor and underserved, the utilisation of digital financial services for savings or investment products has been mainly focused on electronic wallets or savings accounts. A number of important considerations arise, including customer familiarity and ease of use with cashless-based systems, education around protection of personal passwords and data, and the ability to use savings accounts and related products to help manage personal or business-related financial risks. A related, significant focus is the potential to use digital finance solutions to improve micro-insurance offerings to the poor and underserved. This may include disaster risk insurance, life insurance and health insurance. The products hold a significant opportunity for households and firms to reduce their financial vulnerability in the case of a sudden life event, but they are also complicated to understand and manage. What are the evolving areas of best practice for provision of savings and insurance products to the poor and underserved, particularly within the digital space?

    Gigi Gatti, Regional Director, Asia, Grameen Foundation
    (Presentation - PDF File)
    Parul Khanna, Director, Micro Pension Foundation
    (Presentation - PDF File)
    Mina Zhang, Senior Adviser, International & Institutional Relations, Asia Region, World Savings and Retail Banking Institute (WSBI)
    (Presentation - PDF File)

    Moderator: Doris Dumlao, Senior Business Reporter, Philippine Daily Inquirer

    Session O

    Workshop: Using Randomised Controlled Trials (RCTs) for Better Product Design

    The aim of this workshop is to motivate the use of randomised controlled trials (RCTs) for improving financial product design, and to introduce the mechanics of using RCTs for this purpose. After briefly introducing the merits and mechanics of RCTs, the facilitators will use a stylised real-world example to walk through how an RCT can be used not only to understand the impact of a financial product or service on the behaviour and welfare of consumers, but also to compare product design variations to determine which works best for consumers and for the business. A short activity will give participants the chance to think about product variations they might like to test at their own organisations.The concepts presented will be most actionable for individuals who are involved in product or program design at financial service providers or mobile network operators, but others may also find the content informative.

    Facilitators:
    Pooja Wagh, Program Manager, Financial Capability Initiative
    Zahra Niazi, Senior Manager, Financial Inclusion Program, Innovations for Poverty Action (IPA)
    (Presentation - PDF File)

    Session P

    Workshop: Understanding and Monitoring Social Performance Management Standards

    Three years ago, the microfinance industry launched the Universal Standards for Social Performance Management (USSPM), a comprehensive manual of best practices in Social Performance Management (SPM). To help MFIs evaluate their level of performance management, the industry came together and developed a USSPM monitoring tool called SPI4. Free and publicly available, this tool is an easy way for any institution to self-assess its current SPM practices, to report internally to its Board of Directors and to communicate externally with its investors and lenders. The aim of this workshop is to show financial services providers, investors and regulators how social performance can be measured in a rigorous way using industry recognised standards. Participants will be organised into groups and will have the opportunity to get familiar with the tool by grading social performance practices of real case studies.

    Facilitator: Dina Pons, East Asia Regional Director and Social Performance Manager, Incofin Investment Management
    (Presentation - PDF File)

  • 12:30pm
    LUNCH
  • 2:00pm
    CONCURRENT PANEL DISCUSSIONS AND WORKSHOPS

    Session Q

    Panel: Strategies for Building the Financial Resilience of Customers

    Poor householders and micro entrepreneurs are often exposed and vulnerable to shocks due to their lack of assets and limited risk management strategies, volatile market and climate conditions, and deteriorating natural resources. This high level of exposure and vulnerability makes it very difficult for these groups to acquire wealth and move out of poverty because shocks often leave them with no choice but to incur debt and sell assets, further increasing their vulnerability. This session will examine how micro entrepreneurs and the poor are using financial products and services to respond to life shocks, with particular focus on innovative credit, savings and microinsurance products.

    Arup Chaterjee, Principal Financial Sector Specialist, Asian Development Bank (ADB)
    Brian Lund, East Asia Regional Director, Oxfam America
    (Presentation - PDF File)
    Nhan Phan Cu, Director of International Cooperation Department, Vietnam Bank of Social Policies (VBSP)

    Moderator: Alok Prasad, Principal Advisor, RBL Bank, and former CEO, Microfinance Institutions Network (MFIN)

    Session R

    Panel: Digital Finance - A New Wave in Payments and Remittances

    This panel will discuss the application of digital finance to the area of payments and remittances. One key trend is the expansion and evolution of “cashless” systems for both household and business needs, including cashless banking and cashless payments between individuals and businesses. What are the opportunities and challenges in moving towards a digital payments system for financial services firms and their customers? How can financial services practitioners support communities in moving toward cashless solutions? How do providers using an agent-based sales model ensure appropriate customer care and due diligence through their agent network? Amid increasing evidence that the cost of remittance services by traditional banking providers is rising due to compliance under global anti-money laundering regulations, what are the opportunities and risks associated with the use of digital currencies such as bitcoin for cross-border payments?

    Imelda Nicolas, Chair, Commission on Filipinos Overseas, Office of the President of the Philippines
    (Presentation - PDF File)
    Martin Camahort, President and CEO, OK Remit
    (Presentation - PDF File)
    John Owens, Chief of Party, USAID E-PESO
    (Presentation - PDF File)

    Moderator: Pedro De Vasconcelos, Manager, Financing Facility for Remittances, International Fund for Agricultural Development (IFAD)

    Session S

    Workshop: Alternative Delivery Channels and Technology – Navigating the Options

    It is clear that technology offers great opportunities to advance financial inclusion and there are a wide range of delivery channels, technology platforms, communication and device options available. But how do you get it right? Where does the financial institution start? The aim of this workshop is to provide practical guidance to successfully navigate through the many challenges of alternative deliverty channel (ADC) projects. What can be achieved using ADCs? What are the needs and demands of customers? Software Group will lay out a simple step-by-step approach from initial strategic considerations to implementation.

    Facilitator: Charlene Bachman, Regional Business Development Manager, Software Group
    (Presentation - PDF File)

    Session T

    Workshop: Building Agent Networks for Digital Finance

    This workshop will summarise the week-long Agent Network Accelerator training workshop run by the Helix Institute of Digital Finance, taking participants through the end-to-end process of building agent networks -- its prerequisites, management and monitoring. The main topics will include selection of agents, capacity building of agents, incentive structure design for agent networks, risk management for agent networks, and agent network monitoring. The tools can be applied to existing agent networks or to build agent networks from scratch.

    Facilitator: Manoj Sharma, Managing Director, MicroSave
    (Presentation - PDF File)

  • 3:30pm
    Networking Break
  • 4:00pm
    PLENARY PANEL DISCUSSION

    Empowering the Customer - The Future of Financial Inclusion

    Developments in technology have opened the way for new channels and product innovations that address the needs of the unbanked while also democratising access to funds and services. As the financial inclusion landscape continues to evolve, it is clear that the sector is becoming increasingly customer-centric, with providers focusing on the demands of the end-user to develop new products and services. Trends emerging from the digital era, including big data, machine learning and broad mobile adoption, will play a pivotal role in uncovering customer preferences by providing highly individualised insights, shedding light on the barriers customers face as well as their behaviours. What does the future landscape of financial inclusion in Asia-Pacific look like? What products and services will customers demand? How will the rapidly shifting landscape of financial inclusion be impacted by technology, changing financial regulations and an increasingly connected and informed customer?

    Rachel Freeman, Advisory Manager Asia, Financial Institutions Group, IFC
    Ganesh Rengaswamy, Co-founder and Partner, Quona Capital and Accion Frontier
    Pia Roman-Tayag, Director, Inclusive Finance Advocacy, Bangko Sentral ng Pilipinas

    Moderator: Victor Mallet, South Asia Bureau Chief, Financial Times

  • 5:15pm
    CLOSING REMARKS

Venue

Makati Shangri-La Hotel
Ayala Avenue corner Makati Avenue Makati City
Manila 1200

Philippines

Tel: +63 2 813-8888
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Hotels - Special Rates

We have special conference rates at following 4 hotels for the Asia-Pacific Financial Inclusion Summit delegates.

Limited rooms are available at each hotel, please refer the details and cut off dates below.

To book your accommodation, please contact the hotel directly and mention Asia-Pacific Financial Inclusion Summit or Financial Timesto obtain the rates.

All reservations will be under guest's individual account.

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BSA Mansion Condotel   (Location Map)

Address: 108 Benavidez Street, Legaspi Village, Makati City, Philippines 1229

Hotel Contact Person: Tessa Franciso, Assistant Director of Sales

Email: tfrancisco.condotels@gmail.com

Tel: +63-2-632 1010 local 265

Special Rates:

Studio Premiere

PHP3,000 net per night (double occupancy)

One Bedroom Suites

PHP3,400 net per night (double occupancy)

* Above room rates are inclusive of set breakfast & wifi

* The room rates are valid until September 26, 2015.

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Prince Plaza II Condotel   (Location Map)

Address: 101 Dela Rosa Street, Legaspi Village, Makati City 1200, Metro Manila, Philippines

Hotel Contact Person: Tessa Franciso, Assistant Director of Sales

Email: tfrancisco.condotels@gmail.com

Tel: +63-2-632 1010 local 265

Special Rates:

Studio Premiere

PHP3,400 net per night (double occupancy)

One Bedroom Suites

PHP3,900 net per night (double occupancy)

* Above room rates are inclusive of buffet breakfast & wifi

* The room rates are valid until September 26, 2015.

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Best Western Plus Antel Hotel   (Location Map)

Address: A. VENUE, 7829 Makati Avenue, Makati City, 1210 Philippines

Hotel Contact Person: Dream de Leon, Sales Manager

Email: sales.mgr2@antelhotel.com

Tel: +63-2-403 0888 local 1127

Studio Superior/Deluxe

PHP3,400 net per night (double occupancy)

One Bedroom Suites

PHP4,000 net per night (double occupancy)

* Above room rates are inclusive of buffet breakfast & wifi

* The room rates are valid until October 23, 2015.

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Makati Shangri-La Hotel   (Location Map)

Address: Ayala Avenue corner Makati Avenue, Makati City, 1200, Philippines

Tel: +63-2-813-8888

Deluxe Room 

PHP9,000+++ per night (single occupancy)

PHP10,000+++ per night (double occupancy)

Online Booking Form: Please click Makakti Shangri-la Hotel Online Booking Form - Special Rates

* Click the link above, enter all the necessary stay requirements, including check-in date, check-out date, number of rooms & guests.

* Under the "Special Rate" column, it is already pre-set "FIN261015" to obtain the special rates.

* Click "Check Rates & Offers" button to continue the reservation.

* Above room rates are inclusive of buffet breakfast & wifi

* The room rates are valid until September 21, 2015.

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Lead Partner and Co-Organiser (1)

The Citi Foundation works to promote economic progress and improve the lives of people in low-income communities around the world.  We invest in efforts that increase financial inclusion, catalyze job opportunities for youth, and reimagine approaches to building economically vibrant cities.  The Citi Foundation’s “More than Philanthropy” approach leverages the enormous expertise of Citi and its people to fulfill our mission and drive thought leadership and innovation.  For more information, visit

Co-organiser (1)

The Foundation for Development Cooperation (FDC) is an independent, public Australian foundation committed to building prosperity in the Asia Pacific region by pursuing initiatives that reduce poverty and promote equitable economic growth and cooperation.

We achieve this by researching, piloting and promoting development initiatives that are market-based and innovative. Over the past 25 years, FDC has built a strong reputation across the Asia Pacific region as a catalytic organisation that – through collaboration across its multi-sector network – advances new ideas and approaches to building prosperity in developing countries across the region.

FDC’s head office is in Brisbane, Australia. FDC has a Pacific regional office in Fiji.

Conference Manager and International Media Partner (1)

Chaired by senior journalists from the Financial Times Group, the summits, conferences, awards and strategic forums organised by FT Live gather the world’s brightest minds and most influential decision-makers.

Exclusive on-stage interviews, stimulating presentations and lively panel debates – available on multiple content platforms – provide the cutting-edge insights, unique personalities and peer audience engagement that have the power to transform finance, business, politics, society and culture.

The Financial Times, one of the world’s leading business news organisations, is recognised internationally for its authority, integrity and accuracy. Providing essential news, comment, data and analysis for the global business community, the FT has a combined paid print and digital circulation of 780,000. Mobile is an increasingly important channel for the FT, driving almost half of total traffic.

Host Partner (1)

The Bangko Sentral ng Pilipinas (BSP) is the central monetary authority of the Republic of the Philippines.  Its primary objective is to maintain price stability conducive to a balanced and sustainable economic growth. It aims to promote and preserve monetary stability and convertibility of the national currency. The BSP provides policy directions in the areas of money, banking and credit. It supervises operations of banks and exercises regulatory powers over non-bank financial institutions with quasi-banking functions. The BSP likewise takes lead in promoting an efficient payments and settlements system by providing the necessary infrastructure through the operation of the Philippines’ real time gross settlement system.

The vision of the BSP is to be a world-class monetary authority and a catalyst for a globally competitive economy and financial system that delivers a high quality of life for all Filipinos. To support the achievement of this vision, the BSP has committed to promoting financial inclusion, financial education and consumer protection alongside its traditional roles as a central monetary authority. BSP initiatives in these areas include:

- Creation of a policy and regulatory environment that allows the market to innovate solutions to address exclusion challenges in the country;

- Implementation of a proactive consumer protection framework and effective redress mechanism;

- Conduct of a comprehensive Economic and Financial Learning Program for targeted audiences like students, the employed sector, overseas Filipinos and their beneficiaries, and the unbanked sectors;

- Implementation, thru strategic partnerships, of advocacy programs that raise awareness and generate greater support for financial inclusion, financial education and consumer protection; and

- Creation of a robust data and measurement framework to support evidence-based policymaking, program development and progress monitoring.

To address multi-faceted inclusion issues, the BSP spearheaded the crafting and implementation of the National Strategy for Financial Inclusion (NSFI) together with key government agencies. The NSFI is a framework that enables government and private sectors to systematically collaborate and coordinate to achieve financial inclusion goals that contribute to inclusive growth.

Lead Sponsor (1)

Pay Maya Philippines is the digital financial services unit of the Philippines' largest telecommunications company PLDT and wireless services provider Smart Communications, Inc. (Smart). A multi-awarded entity which pioneered mobile money and digital payments that first introduced Smart Money, the world's first mobile wallet linked to a MasterCard prepaid card in 2000. It operates as electronic money issuer (EMI) and electronic money network service provider (EMNSP); and enables multiple banks, cooperatives and micro finance institutions across various markets with mobile banking platform. It also introduced breakthrough services such as Smart Padala for remittances and more recently, PayMaya for digital payments. It became the first non-financial institution in Southeast Asia and the second in the world to have been awarded a principal license by VISA for both issuing and acquiring business.

Silver Sponsor (1)

Software Group is a privately owned company dedicated to developing and implementing delivery channel solutions that enable ­financial institutions to expand their outreach and improve operational efficiency.  Our team of 140 professionals has an outstanding track record of handling complex projects for a range of players in the financial sector including banks, microfinance institutions, credit unions and saving groups, as well as payment and mobile network operators.

Software Group’s global headquarters is located in Bulgaria, with additional offices in Kenya, Ghana, the Philippines, Mexico, Australia and India.  From these offices, Software Groupserves over 100 clients’ worldwide, spanning 42 countries across Sub-Saharan Africa, Eastern Europe, CIS countries, Central Asia and the Pacific.  

Software Group offers a range of solutions, including Agency, Branchless and Mobile Banking, m-Wallet, ATM and POS solutions, SMS and Internet Banking, Digital Field Applications, Card Management, Biometrics, Data Warehouse, Payment Gateways and EFT Switches. 

Whether you need to link your institution to a mobile wallet platform, connect clients to a utility bill payment provider or increase the interoperability of your existing system via integration with other organisations, we have the solutions to ensure your success.

Learn more about Software Group’s products and services at www.softwaregroup-bg.com

Network Partner (1)

The Banking with the Poor Network (BWTP Network) is Asia’s microfinance works towards building efficient, large-scale sustainable organisations, through cooperation, training and capacity building with the aim of achieving innovative, appropriate and demand-driven financial services for the poor. The Network is an association of a diverse range of microfinance stakeholders committed to improving the quality of life of the poor through promoting and facilitating their access to sustainable financial services. The BWTP Network is an initiative of the Foundation for Development Cooperation (FDC) and its Secretariat is based in Brisbane.

Supporting Partners (7)

Aflatoun International believes that when children are self-confident, socially responsible and financially competent, they have the power to make a difference in their own lives and improve the world they live in. They can positively contribute to their community, understand the value of resources or save money to realise their dreams.  

Aflatoun, is a non-governmental organisation based in The Netherlands. It has developed programmes, curricula and materials on social financial education for different age groups, from early childhood to youth.  Aflateen Digital is an interactive platform for young people on social and financial education. Aflatoun Academy is a recent initiative of Aflatoun which focuses on building capacities of teachers globally and actively works with Teacher Training Institutes.

Today, Aflatoun, together with its 168 network partners, offers social and financial programmes to over 3.5 million children and youth in 113 countries.

Aflatoun curricula and material have been adapted and translated in about 40 languages.

The Consultative Group to Assist the Poor is a global partnership of 34 leading organizations that seek to advance financial inclusion. CGAP develops innovative solutions through practical research and active engagement with financial service providers, policy makers, and funders to enable approaches at scale. Housed at the World Bank, CGAP combines a pragmatic approach to responsible market development with an evidence-based advocacy platform to increase access to the financial services the poor need to improve their lives. For more information please visit: www.cgap.org

Since 2004, CSR Asia has built capacity and promoted awareness of sustainable development across the region. Through their expanding global presence and team of specialists, they provide cutting-edge research, strategy advisory, networking and executive education services with an informed understanding of evolving CSR issues on the ground. CSR Asia is committed to promoting the development and integration of sustainable business practices by providing free public access to their online newsletter CSR Asia Weekly and through events, forums and training.

The Microfinance Pasifika Network (MFPN) is an alliance of institutions committed to supporting disadvantaged people in the Pacific to improve their quality of life, through the provision of inclusive and sustainable financial services such as savings, credit, remittances and payment services and insurance. MFPN is the emergent microfinance and financial sector development network in the Pacific. It is registered as a charitable trust in Vanuatu, with the secretariat based in Fiji and hosted by The Foundation for Development Cooperation (FDC). The Network was formally launched in June 2006 in Port Vila, Vanuatu, following a year of consultation led by FDC, with eight inaugural members. MFPN has held a number of successful events and engaged in activities which have helped to bring together practitioners and stakeholders in meaningful ways, contributing to developing the microfinance sector in the Pacific

MIX promotes responsible financial services for underserved communities through data analytics and market insight. We do this through two decision support platforms, MIX Market and FINclusion Lab. As basic infrastructure for responsible and inclusive markets, these platforms provide a necessary ecosystem to enable and inspire coordinated investment, effective policy, and positive social outcomes for the financially underserved.

The United Nations Capital Development Fund (UNCDF) is the UN’s capital investment agency for the world’s 48 Least Developed Countries (LDCs). UNCDF uses its capital mandate to help LDCs pursue inclusive growth.  UNCDF uses ‘smart’ Official Development Assistance (ODA) to unlock and leverage public and private domestic resources; it promotes financial inclusion, including through digital finance, as a key enabler of poverty reduction and inclusive growth; and it demonstrates how localizing finance outside the capital cities can accelerate growth in local economies, promote sustainable and climate resilient infrastructure development, and empower local communities.  Using capital grants, loans, and credit enhancements, UNCDF tests financial models in inclusive finance and local development finance; ‘de-risks’ the local investment space; and proves concept, paving the way for larger and more risk-averse investors to come in and scale up.

​WSBI brings together savings and retail banks from about 80 countries, representing the interests of approximately 6,000 banks in all continents. As a global organisation, WSBI focuses on issues of global importance affecting the banking industry. It supports the aims of the G20 in achieving sustainable, inclusive and balanced growth and job creation around the world, whether in industrialised or less developed countries. WSBI favours an inclusive form of globalisation that is just and fair, supporting international efforts to advance financial access and financial usage for everyone. It supports a diversified range of financial services that responsibly meet customers' transaction, saving and borrowing needs. To these ends, WSBI recognises that there are always lessons to be learned from savings and retail banks from different environments and economic circumstances. It therefore fosters the exchange of experience and best practices among its members and supports their advancement as sound, well-governed and inclusive financial institutions.

Read more about WSBI in this short profile​.

Event Background

Financial inclusion has been recognised as one of the most powerful tools in the fight against poverty. However, despite the success achieved by financial institutions in providing services to millions of excluded people throughout Asia-Pacific, the region is still home to an estimated 1.2 billion people who do not have access to a bank account or formal financial services. The creation of inclusive financial systems remains critical for both social and economic progress.

While responses continue to focus on access to finance, income generation, and the fundamentals of saving, the inclusive finance ecosystem is evolving rapidly. Globalisation, digitisation and urbanisation are influencing the many products, services and programmes being developed and delivered by private financial services providers, microfinance institutions and NGOs. Recent innovations include digital remittances, peer-to-peer and online platforms, value-chain finance and payments systems, and new sources and uses of credit data.

Governments, aware of the importance of financial inclusion in boosting economic activity, have also been stepping up their efforts, developing national financial inclusion strategies and other frameworks and trialling new policy and regulation initiatives.

What are the key measures required to accelerate financial inclusion? How can these efforts achieve maximum impact at scale, and among specific target groups? What role can financial services providers, and the products they create to boost inclusion, play in driving overall economic progress? What steps should be taken to ensure the currently excluded have the financial capability to enter the financial system? Are governments paying sufficient attention to the potential of partnerships with private sector providers and non-profit practitioners? How is the rapid spread of mobile technology and other digital advances helping to bridge the gap between financial services and the larger ecosystems of cities, markets and government?

These issues and more will be discussed at the Asia-Pacific Financial Inclusion Summit, a major new initiative being launched by the Citi Foundation, the Foundation for Development Cooperation and the Financial Times, in partnership with the Banking with the Poor Network.

The Summit consolidates two leading forums, the Citi-FT Financial Education Summit and the Asia Microfinance Forum, to create a new platform that reflects the integration of capability, access and other key elements that can deliver impact and scale in inclusive finance. The three-day conference will be a catalyst for debate, best practice, knowledge exchange and partnerships among practitioners, policy-makers and other stakeholders seeking to achieve significantly greater financial inclusion in the region.

The inaugural Summit will take place in Manila to recognise the Philippines’ chairmanship of APEC and the grouping’s initiatives on driving more inclusive growth across the region.

Join more than 500 representatives of non-profit organisations, financial services firms, microfinance institutions, government agencies, regulatory bodies, development banks, international organisations, technology providers and educational and research institutions from across Asia-Pacific for this milestone event.

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Contact Us

Registration Enquiries
Pamela Lam
Conference Executive
Sponsorship Opportunities
Reda Sebbata
Director of Operations APAC
Speaking Opportunities
Jeff Wagner
Global Head of Content
Media Partner And Press Enquiries
Vian Fu
Marketing and Campaign Executive