ASIA-PACIFIC FINANCIAL INCLUSION SUMMIT 2015

Citi FoundationHost Partner

Accelerating Financial Inclusion to Enable Economic Progress

ASIA-PACIFIC FINANCIAL INCLUSION SUMMIT 2015

Silver SponsorLead Sponsor Network Partner

27-29 October 2015Makati Shangri-La Hotel, Manila

AccelerAting FinAnciAl inclusion to enAble economic Progress

www.fininclusionsummit.org

Dear guest

Welcome to the Asia-Pacific Financial Inclusion Summit, a major new initiative by the citi Foundation, the

Foundation for Development cooperation and the Financial times, in partnership with the banking with the

Poor network.

We are delighted to be launching this initiative in manila, with bangko sentral ng Pilipinas as our Host Partner,

recognising both the Philippines’ substantial progress in financial inclusion and its chairmanship this year of

APec and the grouping’s initiatives on driving more inclusive growth across the region.

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.

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.

governments, aware of the importance of financial inclusion in boosting economic activity, have been stepping

up their efforts, developing national financial inclusion strategies and other frameworks and trialling new policy

and regulation initiatives.

At the same time, the whole inclusive finance ecosystem is evolving, and at a rapid rate. globalisation,

digitisation and urbanisation are influencing the many products, services and programmes being developed

and delivered by private financial services providers, mFis and ngos, with such innovations as digital

remittances, peer-to-peer and online platforms, value-chain finance and payments systems, and new sources

and uses of credit data.

How can these efforts achieve maximum impact at scale? 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?

these and many other issues will be addressed at this three-day conference, which 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.

We hope you enjoy this milestone gathering, and use both the content of the summit and the many networking

opportunities to launch new projects and establish partnerships,

Yours sincerely,

Francisco Aristeguieta Stephen Taylor David Pillingceo, Asia Pacific executive governor Asia editor citi Foundation for Development cooperation Financial times

ProgrAmme – DAY one

8:00 – 9:00 Registration & Continental Breakfast

9:00 – 9:10 INTRODUCTION

Co-Chairs: Dorothy Stuehmke, Program officer, citi Foundation Ed Jimenez, microfinance Advisor, bangko sentral ng Pilipinas

9:10 – 9:20 WELCOME REMARKS Victor Mallet, south Asia bureau chief, Financial times Shengman Zhang, chairman, Asia Pacific, citi

9:20 – 9:40 OPENING KEYNOTE Amando Tetangco, Jr, governor, bangko sentral ng Pilipinas

9:40 – 11:00 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 has been 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

Stephen Groff, Vice President, Asian Development bank (ADb) moderator: Graham Macmillan, Director of corporate citizenship Partnerships, citi, and senior Program

officer, citi Foundation

11:00 – 11:30 Networking Break

11:30 – 13:00 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 Peace Osangir, Financial risk manager, new business Ventures, commercial bank of Africa John Rubio, President and ceo, bPi globe banKo moderator: Amy Auster, Principal consultant, Foundation for cooperation Development (FDc)

13:00 – 14:30 LUNCH

14:30 – 15:45 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.

october 27, 2015

Luxmon Attapich, senior country economist, thailand resident mission, Asian Development bank (ADb) Chuchi Fonacier, managing Director, bangko sentral ng Pilipinas, and co-chair, inter-agency Working

group for Policy and regulation, national strategy for Financial inclusion Jeff Liew, regional capacity Advisor, Pacific Financial inclusion Programme (PFiP) Waseem Malik, communications and business Development Analyst, Pakistan microfinance network (Pmn) moderator: Ed Jimenez, microfinance Advisor, 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, Rajitha Bearden, senior investment Analyst, and 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


16:15 – 17:30 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 Muliaman Hadad, chairman, board of commissioners, Financial services Authority (oJK), indonesia U.S. Paliwal, executive Director, reserve bank of india moderator: Catherine Simmons, Head, Asia Pacific government Affairs, citi

october 27, 2015

ProgrAmme – DAY tWo

8:30 – 9:00 Continental Breakfast

9:00 – 9:15 WELCOME

9:15 – 10:45 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, Founder, managing Director and ceo, bandhan bank Dolores Torres, President and ceo, cArD bank

moderator: Chandula Abeywickrema, chairman, banking With the Poor network (bWtP)



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

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 Dirk Lebe, Deputy Program Director and Financial services specialist, sustainable cocoa Production

Program, swisscontact Abhay Pareek, senior Analyst and Practice group leader, microsave

moderator: Dan Songco, President and ceo, Pinoyme Foundation

october 28, 2015

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

Session H Workshop: Improving Business Strategies with Geo-spatial Data Visualization 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.

Facilitators: Lara Storm, Director, Financial inclusion and Joy Kim, Analyst, Financial inclusion, miX

12:30 – 14:00 LUNCH


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 Finn Erik Kolnes, senior manager, Accenture Development Partnerships Alok Prasad, Principal Advisor, rbl bank, and former ceo, microfinance institutions network (mFin)

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 Robin Varghese, senior Fellow and Vice President of international operations, Policy and economic

research council (Perc)

moderator: Kelly Hattel, Financial sector specialist (rural and microfinance), Asian Development bank (ADb)

october 28, 2015

october 28, 2015

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 their outreach to women, the suitability of product design to meet women’s needs and staff gender diversity, and how serving women clients can contribute to financial sustainability and generate positive social outcomes.

Facilitators: Jessie Fisher, Program officer, good return; Jaclyn Berfond, specialist, research, monitoring & evaluation, Women's World banking

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; Manoj Sharma, managing Director, microsave; Camilo Tellez-Merchan, Knowledge and research consultant, better than cash Alliance


16:00 – 17:30 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

19:00 – 21:30 GALA DINNER Welcome remarks: Aftab Ahmed, ceo, citi Philippines

Performance by Philippine madrigal singers and emmanuelle Adda

october 29, 2015

ProgrAmme – DAY tHree

8:30 – 9:00 Continental Breakfast

9:00 – 9:05 WELCOME

9:05 – 10:45 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 Mark Ruiz, President, Hapinoy Simoun Ung, President and ceo, omnipay Rolando Victoria, executive Director, AsKi

moderator: Pia Roman Tayag, Director, inclusive Finance Advocacy, bangko sentral ng Pilipinas



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.

Chen Peng, Assistant general manager, Department for rural Agriculture and Farmers, Postal savings bank of china

Randolph Montesa, First Vice President and Head, card and electronic banking group, land bank of the Philippines

Nataliya Mylenko, senior Financial sector specialist in Finance and markets, World bank group

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?

october 29, 2015

Gigi Gatti, regional Director, Asia, grameen Foundation Parul Khanna, Director, micro Pension Foundation Mina Zhang, senior Adviser, international & institutional relations, Asia region, World savings and

retail banking institute (Wsbi)

moderator: Doris Dumlao-Abadilla, 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, and Zahra Niazi, senior manager, Financial inclusion Program, innovations for Poverty Action (iPA)

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

12:30 – 14:00 LUNCH 14:00 – 15:30 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 Chatterjee, Principal Financial sector specialist, sustainable Development and climate change Department, Asian Development bank (ADb)

Brian Lund, east Asia regional Director, oxfam America 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)

october 29, 2015

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 Martin Camahort, President and ceo, oK remit John Owens, chief of Party, usAiD e-Peso

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

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


16:00 – 17:15 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? Gil Beltran, undersecretary, Policy Development and management services group, Department of

Finance, government of the Philippines Rachel Freeman, Advisory manager Asia, Financial institutions group, iFc Ganesh Rengaswamy, co-founder and Partner, Quona capital and Accion Frontier

moderator: Victor Mallet, south Asia bureau chief, Financial times

17:15 – 17:30 CLOSING REMARKS

Citi Microentrepreneurship Awards, Philippines

Teresita Valdez, 2014 National Winner



ConferenCeChairs WeLCoMereMarKs

Dorothy StuehmkeProgramofficerCiti Foundation

DorothystuehmkeisaProgramofficerattheCitifoundationresponsibleformanaginggrant-makingactivitiesacrosstheasiaPacificregionandkeyglobalpartnershipswithinthefoundation’sthreefocusareas:financialinclusion,youtheconomic

opportunitiesandurbantransformation.PriortojoiningtheCitifoundationin2013,Msstuehmkeheldpositionsinthepublicandprivatesectors,includingwiththeUsgovernment,Unitednationsandnonprofits,whereshefocusedonforeignpolicy,internationaldevelopment,publicaffairsandcommunicationsintheasiaPacificregion.shewasalsothesenioradvisortothe2008-2009Us-northKoreafoodaidProgramfortheUsagencyforinternationalDevelopment,wheresheoversawimplementationofthelargestUsgovernmentfoodaidinitiativeinhistoryinnorthKoreaincoordinationwithaconsortiumofUsnGosandtheUnWorldfoodProgram.MsstuehmkewasaBorennationalsecurityeducationProgramfellowandaKoreanLanguageflagshipfellow.sheholdsaMaster’sdegreeinPublicadministrationfromtherobertf.WagnerschoolofPublicserviceatnewYorkUniversityandaBachelor’sdegreefromtheUniversityofWisconsin-Madison.shewasaCouncilonforeignrelationsTermMember(2008-2013)andspeaksKoreanandGerman.

Ed JimenezMicrofinanceadvisorBangko Sentral ng Pilipinas

eduardoC.JimenezisMicrofinanceadvisortoBangkosentralngPilipinas,lookingatpolicyandregulatoryissuesaffectingthepracticeofmicrofinanceandfinancialinclusion.hehasservedinthispositionsince2001.hewasalsoasiaregionalCoordinator

oftheallianceforfinancialinclusion(afi),uptoDecember2014.hehasalsoservedasanadvisortotheDepartmentoffinanceandtheCooperativeDevelopmentauthorityofthePhilippinesincraftingthePhilippines’PerformancestandardsforMicrofinancePractitioners.MrJimenezisaboardmemberoftwomicrofinancenGosinthePhilippinesandisactivewiththeMicrofinanceCouncilofthePhilippines(MCPi),thenationalnetworkofmicrofinancepractitioners.

Shengman ZhangChairman,asiaPacificCiti

shengmanZhangisChairmanofasiaPacificatCiti.Priortothat,hewasPresidentofasiaPacific.Beforethat,hewasViceChairmanofGlobalBankingandChiefoperatingofficerforCitiMarkets&Banking,asiaPacific.MrZhang,aChinesenational,joinedCitiin

2006asViceChairmanofGlobalBankingandChairmanofthePublicsectorGroup.hecametoCitifromtheWorldBankwherehewasfrom2001to2005theManagingDirectorinchargeoftheBank’sday-to-dayworldwideoperations.hechairedtheBank’soperationsCommittee,thesanctionsCommitteeandtheCorporateCommitteeonfraudandCorruptionPolicy.hewasalsotheChairmanoftheBankGroup’sCrisisManagementCommittee.Priortothat,from1997to2001,heoversawtheWorldBank’sCorporateandsupportfunctions,andsectorsandregions,respectively.from1995to1997,MrZhangwasVicePresidentandCorporatesecretaryoftheWorldBank,andbetween1994and1995,executiveDirectorforChina.earlier,heheldanumberofseniorpositionsatChina’sMinistryoffinance.MrZhangisagraduateoffudanUniversity,China,andattendedMcGillUniversity,Canadaasanexchangestudent.heholdsanMPadegreefromtheUniversityoftheDistrictofColumbiainWashingtonDC,andcompletedtheadvancedManagementProgramatharvardBusinessschool.

Victor MalletsouthasiaBureauChiefFinancial Times

VictorMalletisthefinancialTimes’southasiaBureauChief,basedinnewDelhi.PriortothisrolehespentfouryearsasMadridBureauChief,andbeforethathewastheeditorofthefT’sasiaedition.MrMalletjoinedthefTin1986andhashadavariety

ofoverseasroles,includingsouthernafricanCorrespondentfrom1998to2001,south-eastasiaCorrespondentfrom1992to1994,andafricaCorrespondentfrom1986to1988.MrMallethasalsobeenDeputyfeatureseditor,MiddleeastCorrespondent,ParisCorrespondentandChiefasiaCorrespondent.BeforejoiningthefinancialTimes,MrMalletwasacorrespondentforreutersinJohannesburg,CapeTownandParis.heistheauthorofThe Trouble with Tigers: the Rise and Fall of South-East Asia,whichwaspublishedin1999.hereceivedthesocietyofPublishersinasia’sawardforopinionwritingin2005and2006.MrMalletisagraduateofoxfordUniversityandholdsadegreeinenglish.

biogrAPHies

AsiA-PAciFic FinAnciAl inclusion summit 2015


GaLaDinnerWeLCoMe oPeninGKeYnoTe

Aftab AhmedCeoCiti Philippines

aftabahmedistheCeoandCitiCountryofficerforthePhilippines.hebringstothepostnearlyfourdecadesofinternationalbankingexperience,coveringmultipledisciplinesfromBusinessBankingtoCorporateBanking,CorrespondentBanking,

ConsumerBanking,Distribution,operations&TechnologyaswellasTreasury.hehaslivedandworkedin11countriesincludingtheUs,Pakistan,Greece,saudiarabia,newZealand,Germany,Taiwan,singapore,egypt,hungaryandnowthePhilippines.hehasheldanumberofseniorrolesatCitionthecountrylevelasCeo,ConsumerCountryBusinessManager,andCorporateBankhead.hehasalsoheldseniorclusterandregionalrolesincludingDirectorofretailBranchexpansion&operationsforCitibanknorthamerica,ConsumerfinanceheadforasiaPacific,andConsumerClusterheadforPakistan,Middleeastandegypt.inhisdifferentbusinessandleadershiprolesacrossmultiplegeographies,hehasbeenextensivelyinvolvedinandhassuccessfullycontributedtowardsCountryandregionalinitiativestogrowfranchises;expandbranchfootprint;increasecustomerbaseanddeepenrelationships;andprotectaswellasgrowportfolios.

Amando Tetangco, JrGovernorBangko Sentral ng Pilipinas

amandoM.Tetangco,Jr.istheGovernoroftheBangkosentralngPilipinas(BsP).hewasappointedforasecondterminJuly2011.asBsPGovernor,heservesasChairmanoftheMonetaryBoard,theBsP’sprincipalmonetarypolicy-makingbody.healsochairs

theanti-MoneyLaunderingCouncil,thefinancialstabilityCoordinationCouncil,thefinancialsectorforumandthePhilippineinternationalConventionCenter.acareercentralbanker,GovernorTetangcohasbeenintheserviceoftheBsPforfourdecades.PriortohisfirstappointmentasGovernorinJuly2005,hewasDeputyGovernorinchargeoftheBankingservicessector,economicresearchandTreasuryoftheBsP.healsoservedasalternateexecutiveDirectoroftheinternationalMonetaryfund(iMf)inWashington,DCfrom1992to1994.Currently,heistheGovernorforthePhilippinesattheiMf,andalternateGovernorattheWorldBankandtheasianDevelopmentBank.attheBankforinternationalsettlements,heisChairoftheasianConsultativeCouncilandoftheMeetingofsmallopeneconomies.inseptember2014,GovernorTetangcocompletedatwo-yeartermasChairoftheallianceforfinancialinclusion(afi)steeringCommittee,forwhichhereceivedanhonoraryawardforexcellentstewardship.DuringhistermasBsPGovernor,financialinclusion,financialeducationandconsumerprotectionhavebeeninstitutionalisedinthecentralbank’sagenda.hechairstheinclusivefinancesteeringCommittee,providingstrategicdirectionandguidanceoninclusion-relatedinitiativesintheareasofpolicyandregulation,financialeducationandconsumerprotection,dataandmeasurement,andadvocacyprogrammes.healsochairstheinteragencybodythatspearheadedthecreationofthenationalstrategyforfinancialinclusion,aframeworkforthegovernmentandtheprivatesectortotakeacoordinatedapproachtoinclusivegrowth.in2014,aficonferreditsMayaDeclarationawardtotheBsPinrecognitionofitsfinancialinclusionachievements.GovernorTetangcoobtainedhiseconomicsdegreecumlaudefromateneodeManilaUniversityandhisMaster’sinPublicPolicyandadministrationwithaconcentrationinDevelopmenteconomicsfromtheUniversityofWisconsin-MadisonintheUs.

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Citi Microentrepreneurship Awards, Philippines

Edamil Patta, 2014 Regional Winner (Mindanao)



Nestor EspenillaDeputyGovernorBangko Sentral ng Pilipinas

nestora.espenilla,Jr,DeputyGovernorofBangkosentralngPilipinas(BsP),headstheBsP’ssupervisionandexaminationsector,whichoverseesthesupervisionofbanksandothernon-bankfinancialinstitutionsunderthejurisdictionoftheCentralBank.he

assumedofficeinapril2005.Mrespenillaservesconcurrentlyinvarioushigh-levelBsPpolicycommittees,includingtheadvisoryCommitteeonMonetaryPolicy,thefinancialstabilityCommittee,theinclusivefinancesteeringCommittee,andthePaymentandsettlementssteeringCommittee.heisalsoBsPrepresentativetotheCapitalMarketsDevelopmentCouncil,alternateBoardMembertothePhilippineDepositinsuranceCorporationandalternateVice-ChairoftheagriculturalCreditPolicyCouncil.Mrespenillaisactiveinvariousinternationalbodies.herepresentstheBsPintheG20GlobalPartnershipforfinancialinclusion(GPfi)andtheBaselConsultativeGroup(BCG)wherehechairstheWorkstreamonfinancialinclusion.MrespenillaholdsaBachelorofscienceinBusinesseconomicsandanMBafromtheUniversityofthePhilippines,aswellasaMaster’sdegreeinPolicystudiesfromthenationalGraduateinstituteforPolicystudies(GriPs)inTokyo.

Gil BeltranUndersecretary,PolicyDevelopmentandManagementservicesGroup,DepartmentoffinanceGovernment of the Philippines

Gils.BeltranhasbeenanUndersecretaryatthePhilippines’Departmentoffinancesince2005,workinginavarietyofareasincludingfiscalpolicy,humanresourceandoperationsmanagement,economicpolicyandresearch,andfinancialinclusionpoliciesand

strategies.hehasbeenexecutiveDirectorofthenationalCreditCouncilsince1998.hehasbeenaVisitingLecturerattheUniversityofthePhilippinesCollegeofPublicadministrationsince2006andtheDevelopmentacademyofthePhilippinessince2010.BeforejoiningtheDepartmentoffinance,MrBeltranheldvariouspostsattheWorldBank,includingalternateexecutiveDirectorfrom2003toJanuary2005,andadvisortotheexecutiveDirectorin1990and1995.MrBeltrangraduatedfromWilliamsCollege,Massachusetts,asclassvaledictorianwithaMasterofartsinDevelopmenteconomics,andhasaBachelor’sdegreeineconomicscumlaudefromtheUniversityofthePhilippines.

U.S. PaliwalexecutiveDirectorReserve Bank of India

UmashankarPaliwal,asexecutiveDirector,isinchargeoffinancialinclusion&Development,Customereducation&Protectionandthesecretary’sDepartmentatthereserveBankofindia(rBi).hejoinedtherBiasamiddlemanagementexecutivein

1982.MrPaliwalhasexperienceinavarietyofCentralBankingfunctions,includingregulation,inspection,foreignexchange,CurrencyManagementandhumanresources,besidesbeingafacultyMemberattheBanker’sTrainingCollege.hehasalsoworkedasDirector,supervisionattheBankofMauritius.hewastherBi’snomineeDirectorontheBoardsofthreemajorbanks–thestateBankofMysore,DenaBankandCorporationBank.MrPaliwalisapostgraduateineconomicsandhistoryandanMPhil.aGoldenJubileescholarofthereserveBank,hecompletedhisMBainfinancialManagementwithDistinctionattheUniversityofexeter,UK,andisalsoanalumnusoftheLondonBusinessschool.

Shameran AbedDirectorofMicrofinanceBRAC

shameranabedistheDirectoroftheBraCmicrofinanceprogramme,whichservesmorethan5millionclientsinsevencountries,andhastotalassetsexceedingUs$1billion.healsoservesontheboardsofBraCBank’smobilefinancialservicessubsidiary,bKash,

andGuardianLifeinsurance.additionally,hesitsontheMicrofinancenetworksteeringCommitteeandtheWorldeconomicforumfinancialinclusionsteeringCommittee.PriortojoiningBraC,Mrabedwasajournalistandwroteprimarilyonpoliticalissues.heisalawyerbytraining,havingbeenmadeabarristerbythehonourablesocietyofLincoln’sinninLondon.hecompletedhisundergraduatestudiesathamiltonCollegeintheUs,majoringineconomicsandminoringinPoliticalscience.

PLenarYPaneLDisCUssions

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Chandula AbeywickremaChairmanBanking With The Poor Network

ChandulaabeywickremaistheChairmanoftheBoardofGovernorsoftheBankingwiththePoornetwork(BWTP),asia’slargestmicrofinancenetwork,andalsocurrentlyservesastheManagingDirectorandCeoofCCCsolutions,afullyownedproject

managementsubsidiaryofsriLanka’slargestbusinesschamber,theCeylonChamberofCommerce.anaccomplishedcommercialbankerwithexperienceinretailanddevelopmentbankingspanningover30years,MrabeywickremawaspreviouslyDeputyGeneralManagerathattonnationalBank,oneofthelargestbanksinsriLanka.heisChairmanoftheBoardofCsrsriLanka,thenationalapexbodyforcorporateresponsibilityinsriLanka,andservesasaspecialadvisoronfinancialinclusiontotheasianBankersassociation.

Amy AusterPrincipalConsultantFoundation for Development Cooperation (FDC)

amyausterisathoughtleaderandstrategicadvisortobusinessexecutivesandpolicy-makers,withdeepexpertiseintheasiaPacificregionandthefinancialservicesindustry.arespectedresearcherandcommentator,shehasworkedinaustralia,

asia,theUs,southamericaandeasterneurope.Priortohercurrentrolesatleadingthinktanks,includingfoundationforCooperationDevelopment(fDC),Msausterworkedasaneconomist,strategistandseniorexecutiveforanZBankingGroupduringthebank’sexpansionintoasia.Publishedresearchandstrategicworkhavefocusedontheimpactofasia’seconomicascendency;theevolutionofbankingandfinanceintheasiaPacificregion;modelsforprivatesectorparticipationininfrastructuredevelopment;andpublicsectorfinanceincludingtaxpolicy.MsausterisamemberoftheanUinvestmentadvisoryCommittee,thesydneyforrMBCommittee,theDeakinUniversityPublicPolicyforumadvisoryCommittee,theaustraliaChinaBusinessCouncil,andtheaustralianamericanLeadershipDialogue.shepreviouslyworkedatChasesecurities,MerrillLynchandJPMorganinnewYorkasaneconomistandfixedincomestrategist.MsausterholdsanhonoursdegreeinartsfromnorthwesternUniversityinChicago,andaMaster’sdegreeineconomicsandfinancefromColumbiaUniversityinnewYork.

Royston BraganzaCeoGrameen Capital India

roystonBraganzajoinedGrameenCapitalin2007tolaunchtheorganisationasCeo.hecurrentlyoverseesallaspectsofoperationsinindia.GrameenCapital,foundedbyGrameenfoundationUsa,ifMrTrustandCiti,isafirst-of-its-kindsocialbusinessenabling

microfinanceinstitutionstodevelopwideraccesstocapitalmarkets.GrameenCapitalispartoftheglobalGrameenfamilyofcompanies–theflagshipbeingGrameenBankfoundedbynobelLaureateMuhammadYunus.BeforelaunchingGrameenCapital,MrBraganzawasaseniorVicePresidentwithhsBC,instrumentalinsettingupandheadinghsBC’sMicrofinance&Prioritysectorbusiness.Priortothat,hewastheheadofhsBC’ssMeBusiness.BeforejoininghsBC,MrBraganzaworkedatCitibankindiaforovereightyearsinvariousrolesacrossboththeConsumerandCorporatebanks.hecurrentlyservesonmanyboardsandadvisorybodies,includingsa-Dhan,Grameenfoundationindia,fiCCifinancialinclusionCommittee,theCiinationalCommitteeonnBfCs,theUnitednationsMicrofinanceresourceGroupandtheindianimpactinvestorsexecutiveCouncil.TheLondon-basedfinanceMonthlypublicationnamedMrBraganzaontheir2013GlobalCeoawardWinnerslistasoneoftheTop4Ceosinasia,andTop2inindia,withKumarMangalamBirla.MrBraganzaobtainedhisMaster’sinManagementstudiesdegreefromtheJamnalalBajajinstituteofManagementstudies,Mumbai.

Bhaskar ChakravortiseniorassociateDeanandexecutiveDirector,instituteforBusinessintheGlobalContextThe Fletcher School, Tufts University

BhaskarChakravortiisseniorassociateDeanforinternationalBusinessandfinanceandexecutiveDirectoroftheinstituteforBusinessintheGlobalContext(iBGC)andtheCouncilonemergingMarketenterprises(CeMe)atThefletcherschool,TuftsUniversity.Prof

ChakravortialsoservesonthefletcherfacultyasProfessorofPracticeininternationalBusiness.Priortofletcher,hewasaPartnerofMcKinsey&CompanyandaDistinguishedscholaratMiT’sLegatumCenterforDevelopmentandentrepreneurship.healsoservedonthefacultyoftheharvardBusinessschoolandtheharvardUniversityCenterfortheenvironment.ProfChakravorti’sbook,The Slow Pace of Fast Change: Bringing Innovations to Market in a Connected World(harvardBusinessschoolPress)hasbeeninfluentialinmanyclientandpolicyrecommendations.hehaspublishedinbothacademicandwidelyreadpublicationsandhasbeeninvitedtospeakbeforeacademic,executiveandpolicyaudiencesandtothemediaaroundtheworld.




Greg ChenseniorfinancialsectorspecialistCGAP

GregChenisaseniorfinancialsectorspecialistwithCGaP,basedoutofWashingtonDC.heworkstoadvanceaccesstofinancebyhelpingtoestablishnewbusinessmodelsthatleveragethechanginglandscapeoftechnologyandcommunications.

MrChenbringstohisrole18yearsoffinancialinclusionexperienceandmorethanadecadeofworkresidentinsouthasia,workingwithbusinessesandpolicy-makers,withaparticularfocusonindia,BangladeshandPakistan.PriortoCGaP,heworkedfortheagaKhanDevelopmentnetwork,shoreBankinternationalandBankofamerica.MrChen’sacademictrainingisineconomics,andheholdsaMaster’sdegreefromharvardUniversity’sKennedyschool.

Marina DimovaVicePresidentideas42

MarinaDimovaisaVicePresidentatideas42,whereshedevelopsandtestsbehaviouralinnovationsinconsumerfinanceandinternationaldevelopment.shehasledprojectswithfinancialinstitutionsintheUstoimprovebillandloanrepayment

outcomes,andhasdevelopedsavings,creditandagriculturalfinanceproductsforthedevelopingworldcontext.MsDimovaalsoleadsideas42’seffortsindevelopingandscalingmobileheuristics-basedfinancialmanagementtrainingformicroentrepreneursinindiaandthePhilippines.Priortoideas42,sheworkedonagriculturalvaluechainsandprivatesectordevelopmentwiththeWorldBank.MsDimovaholdsanMPadegreeininternationalDevelopmentfromharvardKennedyschool.

Rachel FreemanadvisoryManagerasia,financialinstitutionsGroupIFC

rachelfreemanleadsallfinancialinstitutionadvisoryinasiaforifCincludingclimatefinance,MsMefinance,paymentsandagrifinance.shejoinedifCin2001tosetupandmanagetheCentralasiaLeasingProject,oneofifC’sfirstadvisoryprogrammesin

Centralasia.in2004,shemovedtoJohannesburgastheDeputyGeneralManagerofifC’sadvisoryservicesforsub-saharanafrica,whereshewasinstrumentalinredesigningifC’sadvisoryservices.shealsoservedastheagribusinessleadinvestmentofficerinCentralasia.PriortojoiningifC,MsfreemanwasinvolvedinseveralentrepreneurialventuresintheUsandrussia,andalsoworkedfortheUsDepartmentofhousingandUrbanDevelopment.sheholdsanMBafromtheUniversityofMichiganBusinessschoolandadegreeininternationalPoliticsandeconomics/russianfromMiddleburyCollege.shealsoattendedexecutiveeducationatharvardUniversity’sKennedyschoolofGovernment.

Chandra Shekhar Ghoshfounder,ManagingDirector&CeoBandhan Bank

ChandrashekharGhoshisfounder,ManagingDirectorandCeoofBandhanBank.heisalsoaMemberoftheManagingCommitteeoftheindianBanks’association,aMemberoftheWestBengalGovernment’sMicro,smallandMediumenterprises

(MsMe)sectorcommittee,VicePresidentoftheBengalChamberofCommerceandindustry,ChairmanoftheConfederationofindianindustry’seconomicaffairs,finance&TaxationCommittee,aMemberoftheinclusiveGovernanceCouncilofthefederationofindianChambersofCommerceandindustry(fiCCi),Co-ChairoffiCCi’sfinancialinclusionCommittee,andaMemberoffiCCi’ssocialDevelopmentandCommunityaffairsCommitteeanditsnationalCommitteeonnon-BankingfinancialCompanies.in2007,MrGhoshwaselectedasaseniorashokafellowbytheashokafoundation.in2014,hewonforbesindiaLeadershipawardsinthe“entrepreneurwithsocialimpact”category.hewasalsorecognisedin2014asentrepreneuroftheYearbytheeconomicTimes.MrGhoshhasanMscinstatisticsandhasattendedthehBs-aCCionProgramonstrategicLeadershipatharvardBusinessschool.

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Ruth Goodwin-GroenManagingDirectorBetter Than Cash Alliance

ruthGoodwin-GroenisManagingDirectoroftheUnitednations-housedBetterThanCashalliance(BTCa),leadingitseffortstoacceleratetheglobalshiftfromcashtodigitalpaymentsbygovernments,companiesandinternationalorganisations.The

digitisationofpaymentscontinuesherworkonpovertyreduction,asithelpstoincreasetransparencyandefficiencyandprovideapathwaytofinancialinclusion,drivinginclusivegrowth.DrGoodwin-GroenrepresentsBTCaattheG20GlobalPartnershipforfinancialinclusion(GPfi),andisamemberoftheWorldeconomicforumfinancialinclusionsteeringCommitteeandthereferenceGroupoftheUnsecretaryGeneral’sspecialadvocateforinclusivefinanceforDevelopment.PriortojoiningBTCa,DrGoodwin-GroenwastheaustralianCo-ChairofGPfiandthefinancialservicesforthePooradviserattheaustralianagencyforinternationalDevelopment(ausaiD).shehasalsoadvisedleadingorganisationsinthefieldoffinancialinclusionincludingtheCGaP,theWorldBankGroup,thesorosfoundation,theUKDepartmentforinternationalDevelopment,thefinMarkTrust(southafrica),theGermanTechnicalCooperationagency(GTZ),Women’sWorldBanking,theUnitednationsDevelopmentProgramme(UnDP),andCambridgeUniversity,inover15countriesincludingineasterneurope,africa,asiaandthePacific.DrGoodwin-GroenholdsaPhDfromtheUniversityofBath,UK,anMBa(Distinction)fromharvardBusinessschool,andaBschons(1st)fromtheUniversityofWesternaustralia.

Stephen Groff VicePresidentAsian Development Bank (ADB)

stephenP.GroffhasbeenVice-President(operations2)oftheasianDevelopmentBank(aDB)sinceoctober2011.MrGroffisresponsibleforthefullrangeofaDB’soperationsineastasia,southeastasia,andthePacific.hismandateincludesestablishing

strategicandoperationalprioritiesinhisareasofresponsibility,producinginvestmentandtechnicalassistanceoperationsamountingtoapproximatelyUs$5billionannually,managinganexistingportfolioofaboutUs$23billion,andleadingabout650staff.inaddition,MrGroffsupportstheaDBPresidentinmanagingaDB’soveralloperations,representsaDBinhigh-levelmultilateralfora,andcontributestomanagingitsrelationships

withits67member-countryshareholders,othermultilateralfinancialinstitutions,andkeygovernment,privatesector,andcivilsocietypartners.PriortojoiningaDB,MrGroffwasDeputyDirectorforDevelopmentCooperationattheParis-basedorganisationforeconomicCo-operationandDevelopment(oeCD)whereheledoeCD’sworkonawiderangeofdevelopment-relatedeconomicandpoliticalissues.healsoservedasoeCD’senvoytotheG20WorkingGrouponDevelopmentandwasamemberoftheWorldeconomicforum’sGlobalagendaCouncil.Priortothis,MrGroffwastheDeputyVice-PresidentforoperationsattheWashington-basedMillenniumChallengeCorporation(MCC),wherehehelpedsetuptheagencyandledMCCprogrammeswhileadvisingtheCeoondevelopmentissues,strategy,andpolicy.PriortoMCC,MrGroffheldseveralstaffpositionsattheaDB,andbeforethat,wastheDeputyDirectorandChiefeconomistonalargeUsagencyforinternationalDevelopmentprojectdesignedtoencourageprivatesectordevelopmentinthesouthernPhilippines;aProgramDirectorfortheUsrefugeeProgram;andaUsPeaceCorpsVolunteer.MrGroffhasworkedacrossasia,africaandLatinamerica,andwritesregularlyondevelopmentissues.healsoservesonanumberofadvisoryboardsfordevelopment-relatedorganizations.MrGroffholdsaMaster’sdegreeinPublicadministrationfromharvardUniversityandaBachelorofsciencedegreeinenvironmentalBiologyfromYaleUniversity.

Sheikh Md Monirul IslamChiefexternal&CorporateaffairsofficerbKash Limited

sheikhMdMonirulislamisChiefexternal&CorporateaffairsofficerofbKashLimited,amobilefinancialservicesoperatorandsubsidiaryofBraCBankLimitedestablishedin2014.MrislamservedintheBangladesharmyfor34years,commandingtwoinfantry

divisions,withtherankofMajorGeneral.healsoservedastheDirectorGeneral(Ceo)ofthenationalsecurityintelligence,thespecialsecurityforceandthegovernmentthinktank,theBangladeshinstituteofinternationalandstrategicstudies.hewasaninstructorattheDefenceCollegeandtheBangladeshMilitaryacademy.healsoservedasChiefofProtocolofBangladeshondeputationtotheMinistryofforeignaffairs.BesideshiscurrentroleatbKashLimited,Mrislamisthefirm’sChiefantiMoneyLaundering&Complianceofficer.




Yahya KhanChieffinancialservicesofficer,Telenor PakistanheadofEasypaisa

YahyaKhanistheChieffinancialservicesofficeratTelenorPakistan,andheadofeasypaisa,abranchlessbankingservicecreatedbyTelenorandTameerMicrofinanceBank.PriortojoiningTelenorPakistan,MrKhanwasexecutiveDirector,

PrimeBrokerage&alternativeinvestmentservices,atJ.P.MorganinvestmentBankintheUK.hestartedhiscareerin1995withiCiPakistan,followedbystintsatexxon,UnileverPakistan,axaandPricewaterhouseCoopers.MrKhanhasaBenginelectricalengineeringfromtheneDUniversityofengineeringandTechnologyinPakistan,andanMscinoperationsManagementfromCranfieldUniversityintheUK.heislicencedasaCharteredaccountantinengland&Wales.

Jason LambDeputyDirector,financialservicesforthePoorBill & Melinda Gates Foundation

JasonLambistheDeputyDirector,GlobalPartnerengagement,forthefinancialservicesforthePoorinitiativeattheBill&MelindaGatesfoundation.Priortojoiningthefoundationin2009,MrLambspentsixyearsatWashingtonMutualBank,wherehe

managedtheConsumerCheckingportfolio,productstrategyandteam.healsomanagedtheoperationalriskstrategyfortheretailbankandwasanorganisationalconsultanttotheexecutiveCommitteeandtheirteams.MrLambgainedexperienceinthefinancialinstitutionssectorduringhissevenyearsatMcKinsey&Company,whereheadvisedbanksinCentralandeasterneurope,africa,andnorthamerica.hewasafoundingmemberoftheMcKinseyBudapestoffice.MrLambholdsaBaineconomicsandhistoryfromtheUniversityofCalifornia,Davis,andanMBafromtherossschoolofBusinessattheUniversityofMichigan.

Graham Macmillan DirectorofCorporateCitizenshipPartnerships,CitiseniorProgramofficer,Citi Foundation

GrahamMacmillanisDirectorofCorporateCitizenshipPartnershipsatCitiandaseniorProgramofficerattheCitifoundation.hedevelopsandleadspartnershipsthatenhanceCiti’sreputationbyworkingwithinternalandexternalbusinesspartnersto

drivesocialandeconomicimpact.fortheCitifoundation,hedesignsandmakesgrantinvestmentsinprograminitiativesthatadvancetheCitifoundation’seconomicprogressmission.MrMacmillanjoinedtheCitifoundationin2010asProgramofficerforMicrofinanceandenterpriseDevelopment.PriortoCiti,hewasseniorDirectorofVisionspring,anaward-winningsocialenterprisesellingconsumerproductstopromoteeconomicdevelopment,andaDirectorofBusinessDevelopmentathelenKellerinternational,aleadinginternationalnon-governmentalorganization.MrMacmillanisthe2014inauguralrecipientoftheMagisGlobalChangemakerawardfromsantaClaraUniversity.heisamemberoftheexecutiveCommitteeoftheaspennetworkforDevelopmententrepreneurs(anDe)andwasaTermMemberoftheCouncilonforeignrelations.MrMacmillanreceivedhisBafromColbyCollege,anMscfromnYUWagner,andanMBathroughajointprogramatnYUstern,LondonschoolofeconomicsandheCParisschoolofManagement.

Peace OsangirfinancialriskManager,newBusinessVenturesCommercial Bank of Africa

PeaceosangirisafinanceandriskmanagementprofessionalwithovereightyearsofexperienceworkinginthefinancialservicesindustryinKenyaandtheUs.asafinancemanagerworkingforafortune500companyinnewYork,Msosangirwasmainly

focusedondrivinglong-rangeplanningandstrategicbusinessanalysis,inadditiontopropagatingeffectivetransferpricingstrategiesacrosstheUs,Latinamerica,eMeaandasiaPacific.hercurrentfocus,inherroleasafinancialriskManageratCommercialBankofafrica,istodrivefinancialinclusionbypromotingaccesstofinancialservicesfortheunbanked/underbankedpopulationsinKenyaandTanzania.specifically,shespearheadsthedevelopmentofmicrocreditdecisioningmodels(creditscoringalgorithmsandlimitassignmentmodels)thatoptimisetheriskrewardtrade-offsoftheoffering,inadditiontoprovidingguidancetothebusinessoneffectiveinvestmentmanagementandoptimisationstrategies.

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Ganesh RengaswamyCo-founderandPartnerQuona Capital and Accion Frontier

Ganeshrengaswamyisaseasonedentrepreneurandimpacttechnologyventureinvestoracrossindia,asiaandsiliconValley.heisCo-founderandPartneratQuonaCapital,whichmanagesthefirstglobalfinancialtechnologyfundfortheunbanked

andunderserved.QuonaCapitalwasspunofffromaccion’sfrontierinvestmentsGroup(fiG).PriortojoiningfiGin2014,MrrengaswamywasGeneralPartneratLokCapital,aventuregrowthfundthatinvestsinsocialenterpriseswithinnovativeandtechnologicallyadvancedservicesinfinancialinclusion,education,andemployability.hepreviouslyservedastheasiaDirectorforUnitusinc,aglobalorganisationthatworkstoreducepovertybyfindingcommerciallysustainablesolutionsinfinancialinclusion.PriortoUnitus,heledtheentryofGreylockPartners,aleadingsiliconValleyventuregrowthfund,intotheindianmarket.PriortoGreylock,heco-foundedTravelguru.comwhilestudyingatharvard.TravelgurubecamethelargestonlinehotelsconsolidatorinindiaandsouthasiaandwasacquiredbyTravelocity.heholdsanMBafromharvardBusinessschool,apostgraduatediplomainmanagementfromtheindianinstituteofManagementandaBachelor’sdegreeinChemicalengineeringfromtheindianinstituteofTechnology.

Pia Roman TayagDirector,inclusivefinanceadvocacyBangko Sentral ng Pilipinas

PiaBernadetteromanTayagisheadoftheinclusivefinanceadvocacystaff(ifas)ofBangkosentralngPilipinas.sheisinvolvedintheoverallfinancialinclusionworkofthecentralbank,particularlyintheareasofpolicyandregulation,capacitybuilding,advocacyand

relationshipbuilding.sheisalsoamemberofthesteeringCommitteeofthesmartCampaign,aglobalefforttoinstillaclient-centeredapproachinmicrofinance.sheisamemberofthePolicyadvisoryGroupoftheinnovationsforPovertyactionfinancialCapabilityresearchfund.MsromanTayagisafullycertifiedtraineroftheUnitednationsCapitalDevelopmentfund(UnCDf)MicrofinanceDistanceLearningCourse.shegraduatedwithaBachelor’sdegreeinPublicadministrationfromtheUniversityofthePhilippinesandaMaster’sdegreeininternationalaffairswithafocusoneconomicDevelopmentfromColumbiaUniversity.sheisalsoafellowofthefletcherschoolLeadershipProgramforfinancialinclusionatTuftsUniversity.

John RubioPresidentandCeoBPI Globe BanKO

JohnrubioisthePresidentandCeoofBPiGlobeBanKo,thePhilippines’firstandlargestmobile-onlybank.BanKoisfocusedonbankingtheunbanked,andensuringaccesstocapitalbyprovidinganalternativetoinformallendersforbaseofthepyramid

borrowers.PrevioustoBanKo,Mrrubiospent15yearsasamanagementconsultantandstrategypractitionerinthetelecommunicationsandtechnologyspaceforGlobeTelecomsinthePhilippines,andgloballyforMcKinsey&Company,iBMandKPMG.hegraduatedfromPennsylvaniastateUniversitywithadualMBaandMMMdegree.hispublishedarticlesdealprimarilywithmicro-marketmanagementanddrivingmobilemoneyadoption.

Jorge Rubio NavaBusinessDirectorCiti Inclusive Finance

JorgerubionavaisafoundingmemberofCiti’sGlobalinclusivefinance&MicrofinanceGroup,basedinLondonandcreatedin2005tospearheadthegroup’scommercialeffortstosupportsocialandfinancialinclusionaroundtheworld.MrrubiodesignedCiti’s

strategytoengagethemicrofinancesectoracrossCiti’sbusinessesinover40countries.healsostructuredawardwinningmicrofinancetransactionsinthecapitalmarkets(2006ifC/financialTimessustainableDealoftheYearaward)includingthefirstinvestmentgradelocalissuanceforamicrofinanceinstitution.hisworkaroundsocialandfinancialinclusionspanssustainablevaluechaindevelopmentanddigitalfinancialservicesreachingtheunbanked.Mrrubiohasformedpublicandprivatesectorpartnershipstoexpandaccessthroughinnovativechannels.inatotallynewapproachtoproductdevelopmentinfinancialservices,heintroducednewcrowdsourcingmodelstodevelopappsolutionsthatleveragedeeperinternetandsmartphonepenetrationamongtheunderserved.heiscurrentlyleadingthedevelopmentofabondpracticetobringpublicandprivatesectorissuerstotheinternationalcapitalmarketswithdevelopmentalprojects,attractinginvestorswithbothsocialandeconomicgoals.in2009MrrubiowasinvitedasanassociatetotheDavidrockefellerCentreforLatin-americanstudiesatharvardUniversity.heholdsanMBafromColumbiaBusinessschoolinnewYorkandinstitutodeestudiossuperioresdelaempresainBarcelona,spain,andaBainMechanicalandindustrialengineeringfromtheUniversidadanáhuac,Mexico.




Mark RuizPresidentHapinoy

MarkruizisCo-founderandPresidentofhapinoy,asocialenterprisethatempowerswomenmicroentrepreneursattheBaseofthePyramidthroughtraining,linkagetomicrofinanceinstitutions,andmobiletechnologies;heisalsofoundingPartnerand

BoardMemberofrags2riches,whichhelpsurbanpoorcommunitiescreatefashion-designeritemsfromupcycledmaterials.heisaGlobalsocialBenefitinstitute(GsBi)onlineMentorofsantaClaraUniversity,andasocialentrepreneur-in-residenceattheinseaDCentreforentrepreneurship.MrruizhasbeenrecognisedasaPhilippines21YoungLeaderbyasiasociety(2008),aGonegosyoYounginspiringsocialentrepreneur(2010),anernst&YoungentrepreneuroftheYearfinalist(2010),aGlobalsocialBenefitincubatorfellow(2011);anasiansocialentrepreneurbytheWorldeconomicforum’sschwabfoundationforsocialentrepreneurs(2013),aDevex40Under40(2013),arappler’sDoMoreawardeeforsocialentrepreneurship(2014),andaPurposeeconomy100awardee(2014).

Catherine Simmonshead,asiaPacificGovernmentaffairsCiti

CatherinesimmonsjoinedCitiin2013astheregionalheadofGovernmentaffairsforasiaPacific.sheworkscloselywithseniormanagement,businessheadsandCitiCountryofficerstoprotectandenhanceCiti’sinterestsbyengagingwith

policymakersandindustrygroupsonawiderangeofissues.MssimmonscoordinatesandmanagestheGovernmentaffairsrepresentativesintheregion.shealsoworksonglobalregulatoryreformissues.PriortojoiningCiti,MssimmonsworkedatstatestreetBankandTrustasheadofregulatory,industryandGovernmentaffairs,asiaPacificforoversixyears.Beforethat,shewasadiplomatattheaustralianembassyBeijingforfiveyears,aresearchfellowinthefacultyofLawandPoliticsatKeioUniversity,Japanforfouryears,andapolicyadvisoronpolitical,strategic,economicandaidissuesintheaustralianDepartmentsofPrimeMinisterandCabinetandforeignaffairsandTradefor15years.Mssimmonshasplayedanactiveroleinvariousindustryassociations,includingtheaPeCBusinessadvisoryCouncil(BoardMember),Us-aseanBusinessCouncil(financialservicesCommitteeMember),asiansecuritiesindustryandfinancialMarketsassociation(alternateBoardMember)andtheamericanChamberofCommerceinhongKong(financialservicesCommitteeheadandBoardmember).

Dolores TorresPresidentandCeoCARD Bank

DoloresM.TorresisthePresidentandCeoofCarDBank,amemberofCarDMri(Mutuallyreinforcinginstitutions)inthePhilippines.inher29yearswithCarDMri,MsTorreshasheldvariouspositionsandgarneredvastexperienceintheareasof

microfinance.sheiscurrentlyresponsiblefortheoverallmanagementofthebankanditsbranches.Underherleadership,CarDBankhasbeenrecognisedasfinancialinclusionChampionoftheyearbyBangkosentralngPilipinas,theCentralBank,forfiveconsecutiveyears,from2011to2015.MsTorresalsohelpsinthemanagementofthe12othermemberinstitutionsofCarDMriasaboardmemberorboardadviser.inaddition,shehashelpedinthesetting-upandimplementationofmicrofinanceinitiativesinotherasiancountries,suchasVietnam,Laos,Cambodia,MyanmarandhongKong.MsTorresholdsanexecutiveMBafromtheasianinstituteofManagementinthePhilippinesandhascompletedanexecutiveeducationcourseatharvardBusinessschool,Us.

Simoun UngPresidentandCeoOmnipay

simounUngisthePresidentandCeoofomniPay,inc,thePhilippines’leadingissuerofprepaidpaymentcardsandinnovatorforfinancialinclusion.heisalsoViceChairmanofBastionPaymentsystemsCorp,andservesontheBoardofDirectorsof

TranspacificBroadbandGroupinternationalinc.heisChairmanofWycliffeBibleTranslatorsPhilippines,inc,andaDeaconandPresideratGraceChristianChurchofthePhilippines.heistheChairmanofthesecurityDisasterresourceGroupCommitteeoftheamericanChamberofCommerceinthePhilippines,andViceChairmanoftheoverseassecurityadvisoryCouncil-ManilaCountryCouncil,afederaladvisoryCommitteeundertheUsDepartmentofstate.heisaCommanderinthePhilippineCoastGuardauxiliaryandtheincomingDeputyComptroller.heisalsoamemberoftheManagementassociationofthePhilippines.MrUnghasanMBafromtheiveyschoolofBusinessoftheUniversityofWesternontario,andaBachelorofartsdegreeinPsychologyandeconomicsfromtheUniversityofBritishColumbia.hereceivedadditionaltrainingwiththe2ndadvancedProgrammeforCentralBankersandregulatorsattheinstituteofGlobaleconomicsandfinance,ChineseUniversityofhongKong.

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PLenarYPaneLDisCUssions ConCUrrenTPaneLDisCUssions

Orlando Vea founder,Smart CommunicationsPresident,Voyager Innovations

orlandoB.VeaistheheadofthePLDTGroup’sDigitalUnit.inthiscapacity,heservesasPresidentandCeoofVoyagerinnovations,inc,theUnit’sflagshipcompany,andofsmarte-money,inc.Mr.Veaisaco-founderofsmartCommunications,inc.

andwasitsCeoinitsearlyyears.heisalsothefounderofCignalTV,thePhilippines’largestpayTVoperator,whichisnowpartofthePLDTGroup.hecurrentlyservesasamemberoftheadvisoryBoardofPLDT,andisadirectorandthePresidentofPLDTCommunicationsandenergyVentures,inc.healsositsintheboardofothercompaniesinthePLDTGroup.MrVeaisarecognisedleaderinthePhilippinetechnologyandstart-upcommunity.hegraduatedcumlaudefromtheUniversityofthePhilippines,withaBachelorofartsdegreeineconomics.

Rolando VictoriaexecutiveDirectorASKI

rolandoVictoriaisknownasoneofthepioneersofthemicrofinanceindustryinthePhilippines,with28yearsofexperience.hehasbeenonthefoundingboardofallianceofPhilippinePartnersinenterpriseDevelopment(aPPenD),Microfinance

CouncilofthePhilippines,inc(MCPi),opportunityKauswaganBank(formerlyopportunityMicrofinanceBank),CentralLuzonassociationofMicrofinanceinstitutions,inc(CLaM)andriMansiorganizationforasiaandthePacific.recently,hewasappointedasaboardmemberoftheinter-asiaDevelopmentBank.MrVictoriaisalsothePresidentofsocialinitiativeagainstCatastrophe(siCaT).heisaCertifiedPublicaccountantandalsocompletedtheProgramforDevelopmentManagersattheasianinstituteofManagementinManila.

Imelda NicolasChair,CommissiononfilipinosoverseasOffice of the President of the Philippines

imeldaM.nicolasisChairpersonoftheCommissiononfilipinosoverseas(Cfo),aCabinet-levelsecretarypositionundertheofficeofthePresidentofthePhilippines.Priortoherappointment,shewasCabinet-levelsecretaryofthenationalanti-Poverty

Commission,andChairpersonofthenationalCommissionontheroleoffilipinoWomen.shewasalsoChairoftheWomen’sBusinessCouncilofthePhilippines,andthefirstwomanmemberoftheofficialdelegationofthePhilippinestotheaPeCBusinessadvisoryCouncil.secretarynicolasisoneofthePhilippinegovernment’skeyrepresentativesintheMigrantsinCountriesinCrisisinitiative,astate-ledinitiativelaunchedbythePhilippinesandtheUstoaddresstheimpactofacutecrisissituationsonmigrants.TheinitiativeissupportedbytheinternationalorganizationforMigration(ioM).secretarynicolasrecentlybecameamemberoftheioMMigrationadvisoryBoard,aswellastheadvisoryGroupoftheasianDevelopmentBank-MigrationPolicyinstitute’sprojecton“achievingskillMobilityintheaseaneconomicCommunity”.shealsochairstheMetropolisasiasecretariatandisamemberoftheMetropolisinternationalsteeringCommittee.

Ravi AgarwalCeoengageSPARK

raviagarwalisanentrepreneurandinvestor.hehasbeenanangelinvestorintheUsandasia,includinganinvestor(LP)in500start-ups.CompanieshefoundedinBostonnowemploymorethan3,000peopleandoneispubliconnasDaQ,enduranceinternational

Groupholdings.Priortostartinghisfirstcompany,MragarwalcompletedGeneralelectric’smanagementtrainingprogramme.in2001,hewasrecognisedbyentrepreneurMagazineinitsannual“10under30”list–thetop10businesspeopleundertheageof30.Mragarwalisalsoco-inventorofaUspatentonemailsecurity.in2011,hevolunteeredwithGrameenfoundationinGhanaandUganda,workingonpovertyalleviationprogrammes.hesubsequentlyfoundedengagesParK,anot-for-profitsocialbusinesswithamissiontoenablenon-technicalstaffatnGostoleverageVoiceiVr,sMsandMissedCallstoengagewithpeopleinpovertyandalmostinstantaneouslybuildinteractivecampaigns,globally.



Martin CamahortPresidentandCeoOK Remit

MartinCamahort,PresidentandCeoofoKremit,hasextensiveprofessionalmanagementexperiencespanningovertwodecadesacrossseveralindustries,particularlyinthefieldsofremittances,telecommunications,powersystems,

logistics,consumerproductsandindustrialmachinery.BeforeoKremit,hewasChiefoperatingofficerofoneofthedirectagentsofWesternUnioninthePhilippines.Priortothat,hewasassociatedwithLBC,oneofthecountry’skeyplayersintheremittancesandcargoindustryasthePresidentforasia-Pacificoperations.BeforeLBC,MrCamahorthadalongperiodofassociationwithLucentTechnologies(alcatel-Lucent)indifferentpositionsandlastlyastheDirectorforservicessalesinasia-Pacific.hehasalsoworkedwithDhLexpressincandplayedapivotalroleinestablishingitspresenceinthePhilippines.MrCamahorthasmanagementdegreesfromboththeBritishColumbiainstituteofTechnologyinBurnaby,CanadaandohloneCollegeinfremont,California.

Arup ChatterjeePrincipalfinancialsectorspecialist,sustainableDevelopmentandClimateChangeDepartmentAsian Development Bank (ADB)

arupChatterjeehasovertwoandhalfdecadesofexperienceintheoperational,regulatoryandpolicyaspectsoftheinsurancesector,financialsectorreformanddevelopment,regulatoryandsupervisoryoversightarchitecture,pensionandhealth

insurancereforms,disasterriskfinancing,agricultureinsurance,public-privatepartnerships,andfinancialinclusioninasian,africanandLatinamericancountries.inhiscurrentroleMrChatterjeeisresponsibleforleadingfinancialsectordevelopmentinitiativesintheareaofinsuranceandcontractualsavings.histechnicalassistanceandprogrammedevelopmentworkfocusesoninsuranceandpensionsmarketdevelopment,regulations,implementationofinternationalfinancialstandards,supervisorycapacitybuilding,BaseofthePyramidopportunities,andconsumerprotection.heearlierservedasPrincipaladministratoroftheinternationalassociationofinsurancesupervisorsattheBankforinternationalsettlementsinBasel,switzerland,andasJointDirectoroftheinsuranceregulatoryandDevelopmentauthorityofindia.

Chen PengassistantGeneralManager,ruralfinanceDepartmentPostal Savings Bank of China

ChenPengiscurrentlyassistantGeneralManagerinthePostalsavingsBankofChina’sruralfinanceDepartment.hewaspreviouslywiththePeople’sBankofChina(2005-2014),whereheparticipatedinthereformofruralcreditcooperatives,worked

onmicro-creditpilotsinGuizhouprovinceandtrialledruralfinancialreforminZhejiangprovince.Morethan20ofhisresearchreportswereadoptedbythePBoCorthestateCouncil,andmorethan10ofhisarticlespublishedbyvariousjournals.DrChenreceivedanawardforoutstandingresearchfromtheGuizhouProvincialGovernmentin2008.hehasaPhDinfinancefromsouthwestUniversityoffinanceandeconomics,andBachelor’sandMaster’sdegreesinfinancefromChongqingUniversity.

Pedro De VasconcelosManager,financingfacilityforremittancesInternational Fund for Agricultural Development (IFAD)

PedroDeVasconcelosjoinedtheinternationalfundforagriculturalDevelopment(ifaD)in2007astheManagerofthemulti-donorfinancingfacilityforremittances.Thefacility,supportedbytheeuropeanCommission,theinter-american

DevelopmentBank(iaDB),theGovernmentofLuxembourg,theGovernmentofspain,CGaP,theUnitednationsCapitalDevelopmentfund(UnCDf)andtheWorldBank,isaimedatpromotinganinclusiveremittancemechanisminruralareasandtoaddressinnovativemodelsofinterventionslinkingremittances,migrationanddevelopment.Themainactivitiesofthefundincludesprojectfinancinganddevelopment(over50projectsinover40countries)anddedicatedknowledgegenerationandmanagement.PriortoifaD,from2000untilearly2007,MrDeVasconcelosservedattheMultilateralinvestmentfundoftheiaDBinWashingtonDC,andwasresponsibleforlaunchingandcoordinatingtheiaDB’sremittanceprogrammeforLatinamericaandtheCaribbean.from1998to2000,heservedattheUnitednationsConferenceonTradeandDevelopment(UnCTaD)inGeneva,workingontheMicroBanksprojectincooperationwithBanqueinternationalduLuxembourg.MrDeVasconcelos’rangeofexpertiseincludesinclusivefinance,paymentsystemsandremittances,migrationanddevelopment,andinformationandcommunicationstechnologiesfordevelopment.hegraduated

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fromtheUniversityofToulouseininternationalBusinessandobtainedhisMaster’sininternationalBusinessandManagementfromtheUniversityofParisiV,Lasorbonne.

Eric DuflosregionalrepresentativeforeastasiaandthePacificCGAP

ericDufloshas20yearsofexperienceinadvancingfinancialinclusionforthepoor.Basedinsingapore,heiscurrentlyeastasiaandPacificregionalrepresentativeforCGaP,aleadingglobalknowledgecentreforfinancialinclusionhousedattheWorldBank.sincehe

joinedCGaPin2003,MrDuflos’researchonfinancialinclusionhasfocusedonpolicyandregulatoryissues,digitalfinance,customercentricity,responsiblefinance,andaideffectiveness.hehastaughtpolicyandfinancialinclusionattheBoulderMicrofinanceTrainingProgrammeinTurin,andatsciences-PoinParis.heregularlyauthorsarticlesandpublications,includingrecentreportsonfinancialinclusioninChina,MyanmarandVietnam.BeforejoiningCGaP,MrDuflosworkedforsevenyearsintheLaoPDrfortheUnCDf,theBankofLaoPDrandtheWorldBanktodevelopaninclusivefinancialsector.heholdsaMaster’sdegreeinManagementfromeMLYoninfrance,andaMaster’sineconomicsfromtheschoolofadvancedinternationalstudiesatJohnshopkinsintheUs.

Doris Dumlao-AbadillaseniorBusinessreporterPhilippine Daily Inquirer

DorisDumlao-abadillaisaseniorBusinessreporterforthePhilippineDailyinquirer,specialisingincapitalmarketsandbanking.sheisoneoftheWorldeconomicforum’sYoungGlobalLeaders(Classof2014),whichhonoursindividualsaroundtheworldaged

under40fortheircontributionandleadershipintheirrespectivefields.MsDumlao-abadeillaisalsoonthePhilippines’rosterofTheoutstandingYoungMen(Classof2014)andtheasiasociety’spoolofasia’s21YoungLeaders(Classof2011).in2011,shewasincludedonGoogle’slistof20“Mostinfluentialfilipinas”(ranked12thoutof20),basedonthevolumeofGooglesearches--oneofonlyfournon-showbizpersonalitiesonthislist.MsDumlao-abadillahasreceived20journalismawardssincejoiningtheinquirerin1997.

Chuchi FonacierManagingDirector,Bangko Sentral ng PilipinasCo-Chair,Inter-agency Working Group for Policy and Regulation, National Strategy for Financial Inclusion

ChuchiG.fonacierisManagingDirectorofthesupervisionandexaminationsubsector(sess)iiiofBangkosentralngPilipinas(BsP),theCentralBankofthePhilippines,overseeingthesupervisionofbanksandnon-bankfinancialinstitutionsunderBsP

jurisdiction.MsfonacieralsoservesasachairpersonandmemberofvariousCommitteesandWorkingGroupswithinandoutsidetheBsP.sheisCo-Chairoftheinter-agencyWorkingGroupforPolicyandregulationunderthenationalstrategyforfinancialinclusion.shechairstheConsumerProtectionandeducationCommitteeofthefinancialsectorforum,theinter-agencycoordinatingbodyoffinancialregulatorsinthePhilippinescomprisedoftheBsP,PhilippineDepositinsuranceCorporation,securitiesandexchangeCommission,andinsuranceCommission.sheisamemberoftheBsPsteeringCommitteeoninclusivefinance,andheadoftheCommittee’sregulatoryandsupervisoryframeworkGroup.MsfonacierisalsoamemberofthesteeringCommitteeonMicrofinance,andBanksupervisionPolicyCommittee.

Gigi GattiregionalDirector,asiaGrameen Foundation

GigiGattiisGrameenfoundationUsa’sDirectorforasiaandconcurrentlytheCountryDirectorforthePhilippines.sheleadsDigitalfinancialservicesinitiativesinasia,facilitatesstrategicpartnershipsforprogramimplementationandprovides

oversightonprogramdeliverables.MsGattihasover20yearsexperienceintheiT,banking,insuranceandmicrofinanceindustries.PreviouspositionsincludeVicePresidentatBPiGlobeBanKo,TechnicalProgramofficeratGrameenfoundationUsa,nationalofficerattheasianDevelopmentBank,andProfessorattheGraduateschoolofBusinessofDeLasalleUniversityinManila.sheholdsanMBaandaBsinComputersciencefromtheDeLasalleUniversity,andaCertifiedMicrofinanceexpertcertificatefromthefrankfurtschooloffinanceandManagement,Germany.sheisalsoaCertifiedinformationsystemsauditorwithisaCa,illinois,Usa.




Kelly Hattelfinancialsectorspecialist(ruralandMicrofinance)Asian Development Bank (ADB)

KellyhattelisafinancialsectorspecialistattheasianDevelopmentBank,whereshefocusesonmicro,small,andmediumenterprisedevelopmentandimprovedaccesstofinanceacrosssoutheastasia.Priortothis,Mshattelconsultedforvariouspublicand

privatesectoragencies,microfinanceinstitutionsandassociationswheresheprovidedtechnicalexpertiseonexpandinganddeepeningthereachofmicrofinancethroughoutasia,africaandtheMiddleeast.from2001to2006,shemanagedtheMicrofinancenetwork,aglobalassociationof37pioneermicrofinanceinstitutionsfrom28countries.inthispositionshefacilitatedlearningbetweenmembersandledresearchactivitiesincollaborationwithinternationaldonororganisationsandprivatefoundationsonkeyissuesinmicrofinance,includingruralfinance,financialconsumerprotection,staffincentives,andmicroinsurance.shebeganhercareerasasmallenterprisedevelopmentvolunteerinthePeaceCorpsinMali,Westafrica.MshattelholdsaMaster’sdegreeininternationalaffairs(economicsandMicrofinance)fromtheJohnshopkinsschoolforadvancedinternationalstudiesintheUsandaBachelor’sdegreeininternationalstudiesandLawfromamericanUniversity,WashingtonDC.

Andi IkhwanagricultureandfinancialservicesProgramDirectorMercy Corps Indonesia

andiikhwanistheagricultureandfinancialservicesProgramDirectoratMercyCorpsindonesia.heisanaccess-to-financeexpertwith16years’experiencesupportingthefinancialsectoranddiversestakeholdersinindonesia.afterjoiningMercyCorpsindonesia

inmid-2008,hefirstworkedfortheMaXisProgramfundedbytheGatesfoundationandwasresponsibleforproductdevelopmentresearch,capacitybuildingandmonitoringformicrofinanceinstitutionpartners.sinceJune2012,hehasbeenworkingasaCountryCoordinatorfortheagri-finMobileProjectfundedbytheswissagencyforDevelopmentandCooperation,facilitatingtheprovisionofbundledagricultureinformation,financialservicesandmarketinformationforsmallholderfarmersinpartnershipwithagribusinesscompanies,financialinstitutions,governmentagencies,auniversityandamobileplatformprovider.overthepasttwoyears,throughthefeeDMobileProjectfundedbyCitifoundation,Mrikhwanhasdesignedaframeworktodeliverfinancialliteracytrainingandmentoringforfarmersusingamobileplatform,enablingthemtofinallyopensavingaccountsinfinancialinstitutions.

Parul KhannaDirectorMicro Pension Foundation

ParulsethKhannaheadsthenon-profitMicroPensionfoundation(mPf),anindia-basedpensionandsocialsecurityinclusionr&DhubestablishedthroughaninceptiongrantfromVisainc.mPfdevelops,field-testsandhelpsmainstreaminnovativeand

scalabletechnology-ledsolutionsthatprovidesecure,convenientandaffordableaccesstoanintegratedpension,insuranceandmicro-paymentsolutionforlowincome,unbankedindividualsinindiaandotherdevelopingcountries.mPfalsoprovidesgovernments,regulators,aidagencies,MfisandnGoswithspecialisedtechnicalassistancetodesignandimplementinclusivepensionandsocialsecuritysolutionstargetingtheunbankedpoor.atmPf,MsKhannaspecificallydrivesprojectsandresearchfocusedoninnovativefinancialliteracymodelsandtechnology-drivenoutreachplatforms.sheisalsoresponsibleforstrategicpartnershipsinvolvingCsrandforfosteringlargerpublicparticipationinthesocialsecurityinclusionprocess.Towardsthisend,MsKhannaconceptualisedandimplemented“Gift-a-Pension”,thefirstglobalP2Pe-socialsecurityplatform,forinclusionofcertaincategoriesofinformalworkersincludingdomestichelpersthroughtheinternet.

Finn Erik KolnesseniorManagerAccenture Development Partnerships

finnerikKolnesisaseniorManagerleadingfinancialinclusionstrategiesforaccentureDevelopmentPartnerships.hehasanextensivebackgroundinstrategyconsulting,workingwithclientstodesignandimplementcomplexbusinessstrategiesand

operatingmodeltransformations.hehashadaleadingroleinseveralstudiesandassessmentsrelatedtohowfinancialinstitutionscanstrengthentheirbusinessandoperatingmodelstosupportfinancialinclusion.Beforejoiningaccenture,hewasafixedincomeanalystforthenorwegiansovereignwealthfund.MrKolnesisaco-authorof“Withinreach,howbanksinemergingeconomiescangrowprofitablybybeingmoreinclusive”,areportthatwillbelaunchednovember5inpartnershipwithCareinternational.hewillbejoinedatthesummitbyKatherinehughes,financialinclusionProgrammesofficer,Care.

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Anil KumarfounderandCeoSamunnati

anilKumarisfounderandCeoofsamunnati,anindia-basedenterprisefocusedexclusivelyonvaluechainfinance,primarilyintheagricultureandalliedactivitiessector,forthepurposeofinclusivegrowth.MrKumarstartedhiscareerwith

CanaraBankandthenjoinediCiCiBank.heisalsothefoundingTrusteeofifMrTrust.inhiscareerofover23years,MrKumarhashadextensiveexperienceintheareasofGeneralBanking,retailBanking,Microfinance,andrural&agriculturalfinance.Themodelshehasworkedonhavefocusedonfinancialinclusion,customerprotection,wealthmanagementforlow-incomehouseholds,andproductdevelopmentforremoteruralmarkets.hehasalsoworkedoncreatingnewerinstitutionsacrossindiaandoperatinginfinanciallyexcludedmarketswithcorrespondingsupportstructuresfortheircapacitybuilding.MrKumarhasaMaster’sinManagementfromtheasianinstituteofManagement,Manila,andanMBafromsymbiosisinstituteofManagement,Pune,india.hegraduatedinhumanitiesfromosmaniaUniversity,hyderabad.

Dirk LebeDeputyProgramDirectorandfinancialservicesspecialist,sustainableCocoaProductionProgramSwisscontact

DirkLebehasacooperativebanking,regionaldevelopmentbankingandmicrofinancebackgroundandhasbeenworkingformorethan20yearsinthefinancialsectorineurope,africaandasia.heiscurrentlyDeputyProgramDirectorofthe

sustainableCocoaProductionProgram(sCPP)inindonesia,designedandimplementedbyswisscontact,theswissfoundationforTechnicalCooperation,andfundedbytheswissstatesecretariatforeconomicaffairs,theMillenniumChallengeaccountindonesia,thesustainableTradeinitiative,andleadingcompaniesinthechocolateindustry.asafinancialservicesspecialist,MrLebeandhisteamimplementtheagribusinessfinancingfacility,promotingresponsibleaccesstofinancefor90,000cocoafarmers.MrLebeholdsaPhDineconomics.

Jeff LiewregionalCapacityadvisorPacific Financial Inclusion Programme (PFIP)

JeffLiewistheregionalfinancialCapacityadvisorwiththePacificfinancialinclusionProgramme(PfiP),establishedbytheUnitednationsCapitalDevelopmentfund(UnCDf)andtheUnitednationsDevelopmentProgramme(UnDP).hisworkencompasses

themeasurementoffinancialcompetencies,leadingtotheformulationofnationalfinancialliteracystrategies.hehasworkedonclientempowermentandprotectioninrelationtomobilemoneyandoverseeingcuttingedgeworkonfinancialeducationcurriculumdevelopment.MrLiewisactivelyengagingwithcommercialbanksandotherfinancialservicesproviderstoincorporatefinancialliteracyintheirstrategiestoreachlowerincomemarkets.ThroughPfiPadvocacy,PacificMinistersoffinanceandCentralBankGovernorshavecommittedtotheMoneyPacificGoalstofinanciallyempowerthemajorityofPacificislandersby2020.

Brian LundeastasiaregionalDirectorOxfam America

BrianLundhasbeenworkingwithcommunitiesandfarmersfor30yearsthroughoutaustraliaandsoutheastasia.hisexperienceincommunitydevelopment,finance,agricultureandnaturalresourcemanagementhasenabledhimtosupporta

widerangeofinitiatives.MrLundbringsorganisationalandbusinessdevelopmentexperiencegainedfromworkingonseniorpublicserviceandprivatesectorinitiatives,andmostrecentlywithnGos,culminatinginhisappointmenttooxfam.havingspent15yearsinCambodia,henowleadstheoxfamteamonseveralinitiatives,includingthesavings-ledmicrofinanceprogramme,savings-for-Change,whichhasbeenadoptedby40developmentgroups,reachingover150,000clientsnearorbelowthepovertyline,85percentofthemwomen,andallbenefitingfromthefinancial,socialandlearningopportunitiestheprogrammepresents.




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Luxmon AttapichseniorCountryeconomist,ThailandresidentMissionAsian Development Bank (ADB)

LuxmonattapichisseniorCountryeconomistattheasianDevelopmentBank(aDB)ThailandresidentMission,inchargeofmacroeconomicandeconomicpolicyanalysisandfinancialsectorprogrammes.DrLuxmoncurrentlymanagesfinancial

inclusiontechnicalassistanceprogrammes,focusingonaccesstofinancialservices,supervisionandgovernanceofspecialisedandsemi-formalfinancialinstitutions,andfinancialliteracy.shealsooverseeswatermanagementanddisasterriskreductionprogrammes,andleadsgovernance-relatedworkinThailand.BeforejoiningtheaDB,DrLuxmonworkedattherevenueDepartmentandfiscalPolicyofficeinThailand’sMinistryoffinance.shewasalsoachiefofstafftotheMinisteroffinanceandtheDeputyPrimeMinisterfrom2000to2005.shereceivedaBainPoliticalsciencesfromChulalongkornUniversity,apostgraduatedegreeineconomicsfromUniversityofCambridgeandaPhDinsoutheastasianstudiesfromtheUniversityofhull,UK.

Tony LythgoePracticeManager,Creditinfrastructureandinclusion,financialMarketsWorld Bank Group

TonyLythgoeisaspecialistincreditscoring,decisioningandriskmanagement,andhasworkedformanyyearsintheeuropean,australianandasiancreditindustries.hehaswide-rangingexperiencewithinbanksandcreditbureaus,andatifCadvisory

servicescurrentlyprovidesexpertadviceonallaspectsofthedevelopmentoffinancialinfrastructure.

Mark MackenzieasiaDirectorLenddo

MarkMackenziemanagesLenddoacrosseastasiaandthePacificregion.originallyfromscotland,hehasworkedacrossasiaforthelast18years.hebeganhiscareerinconstructionengineeringbutfindingthescottishclimatenotsuitedtoprolonged

periodsofconstructionwork,hereturnedtouniversitytotakeanMBa.afterabriefinterludeinacademiawhereheworkedinpioneeringresearchine-learningatedinburghUniversity,hemovedtoManilatotakeaconsultingjobandhasneverlookedback.MrMackenzieconsidersworkingatLenddo“thebestjobintheworld”.

Waseem MalikCommunicationsandBusinessDevelopmentanalystPakistan Microfinance Network (PMN)

WaseemMalikisCommunicationsandBusinessDevelopmentanalystatPakistanMicrofinancenetwork(PMn),managingtheareasofcommunicationsandpublicrelations,eventmanagement,humanresourcesandbusinessdevelopment.hehas

workedinthemicrofinancesectorforthreeyearsandcontributedtoalargeextenttothedevelopmentofPMn’sbusinessplanforthenextfiveyears.MrMaliksuccessfullyorganisedthesouthasiaregionalMicrofinanceConference,‘Bankingsouthasia’shalf-BillionUnbanked’,inPakistan–thefirsteverconferenceheldundertheplatformofthesouthasiaMicro-entrepreneursnetwork(saMn).MrMalikholdsaMaster’sdegreeinBusinessadministration;hehastakenexecutivecoursesonCorporateGovernanceforMicrofinance,riskManagement,andhumanresourceManagementinthehumanitariansector;andhehascompletedthediplomacourseonMicrofinanceattheBoulderMicrofinanceTrainingPrograminitaly.




Randolph MontesafirstVicePresidentandhead,CardandelectronicBankingGroupLand Bank of the Philippines

randolphL.MontesaisfirstVicePresidentofLandBankofthePhilippines(LanDBanK).hecurrentlyheadstheCardandelectronicBankingGroup(CeBG),whereheoverseestheconceptualisation,development,implementation,marketingandmanagement

ofLanDBanK’selectronicbanking,debitandcreditcards,andotheralternativeproductsandservicedeliverychannels.BeforehisappointmentasCeBGhead,MrMontesawastheheadoftheiTProjectManagementoffice,wherehespearheadedtheestablishmentandimplementationofaconsistentandsuperiorapproachtoprojectmanagement.PriortojoiningLanDBanKin2003,MrMontesa’sworkexperienceincludedbeingaProjectManagerwiththeworld’slargestandmostrecognisedtechnologycompany,aTechnicalsupportanalystwiththeworld’slargestenterprisesoftwarecompany,andasystemManagerwiththePhilippines’topairlinecompany.

Deanna Morris ProgrammeanalystUnited Nations Capital Development Fund (UNCDF)

DeannaMorrisisaninclusivefinanceProgrammeanalystatUnitednationsCapitalDevelopmentfund(UnCDf),basedinBangkok.sheiscurrentlyworkingaspartoftheUnCDfshapinginclusivefinanceTransformations(shifT)programme,which

focusesonassisting6millionlow-incomeindividualsandMsMesintransitioningfromusinginformalfinancialservicestoformalised,wellregulated,financialservicesby2020.MsMorrishaspreviousexperienceworkingasaProjectManagerattheUnitednationseconomicandsocialCommissionforasiaandthePacific(esCaP)intheareasof:publicprivatepartnershipsintheenergysector,sMebusinessdevelopmentandtradepolicy.shehasalsoworkedasseniorregionalProgrammeofficerintheareaofcommunitydevelopmentinCambodia,andwrittenasaspecialCorrespondentonLivelihoodsandeconomicaffairsforGlobalsouthDevelopmentMagazine.MsMorrishasaMaster’sdegreeinsustainableinternationalDevelopmentfromBrandeisUniversity,Us.

Nataliya MylenkoseniorfinancialsectorspecialistinfinanceandMarketsWorld Bank Group

nataliyaMylenkoleadstheWorldBank’sworkonfinancialsectordevelopmentinthePhilippines.shehasalsoworkedonarangeofdevelopmentissuesattheWorldBank,ifCandtheinternationalMonetaryfund.sheistheleadauthorofanumberofWorldBank

Groupreports,includingtheGlobalsurveyonConsumerProtectionandfinancialLiteracy(2014),andthefinancialaccess2009and2010reports,whichintroducedforthefirsttimeindicatorsoffinancialaccessin140countriesaswellasanalysisoftrendsinfinancialaccesspolicies.overthepast10years,MsMylenkohasworkedinover50countriesonfinancialsectordevelopment,sMesandmicrofinance,financialconsumerprotectionandcreditreporting.Mostrecently,shehasbeenbasedineastasia,workingonanumberofareasinthePhilippinesaswellasmicrofinancesupervisioninMyanmar,sMefinancepolicyinMalaysia,andfinancialinclusionandcommunitydevelopmentinindonesia.

Nina NayarassociateFoundation for Development Cooperation (FDC)

ninanayarisanindependentconsultantwith25yearsofexperienceinmicroandsmallenterprisedevelopment,withspecialisationinstrategicplanning,institutionalandhumanresourcedevelopment,training,marketresearchand

productdesign,sectorpolicyandadvocacy,socialperformancemanagementandfinancialinclusion.Msnayarhasfieldexperienceinover30countriesandhasworkedwithanumberofagencies,includingmultilateralandbilateralorganisations,aswellasfor-profitandnot-for-profitfinancialinstitutions.shecurrentlyservesontheboardofeCLofinternationalandisanadvisortothefoundationforDevelopmentCooperation(fDC)/BankingWithThePoornetwork(BWTP).Priortoconsulting,MsnayarservedasexecutiveDirectoroftheinternationalnetworkforalternativefinancialinstitutions(inafi).sheiscurrentlybasedinCochin,india.sheholdsanMafromtheUniversityofPennsylvania,andaBafromtheUniversityofVirginia.



biogrAPHies


Nhan Phan Cu DirectorofinternationalCooperationDepartmentVietnam Bank of Social Policies (VBSP)

nhanPhanCuisDirectoroftheinternationalCooperationDepartmentattheVietnamBankforsocialPolicies(VBsP).Priortothisposition,heworkedasVBsP’sBranchDirectorinthecityofhaiphong.BeforejoiningVBsP,Mrnhanworkedinthehead

officeoftheVietnamBankforagricultureandruralDevelopment(agribank)asafinanceandaccountingspecialist.healsoservedasmanageroftheinformation,accountingandfinancedepartmentsoftheagribankfinancialLeasingCompany.MrnhanholdsaBscfromhanoiBankingUniversity,aBscfromthenationalinstituteofPublicadministration,andanMBafromtheasianinstituteofTechnologyinThailand.

John OwensChiefofPartyUSAID E-PESO

Johnowensisanattorney,consultant,boardmemberandsenioradvisorwithmorethan27yearsofexperienceininclusivefinancialservices,withafocusondigitalfinancialservicesandpayments.heiscurrentlytheChiefofPartyfortheUsaiDe-Pesoproject

inthePhilippinesandmostrecentlyworkedwithmorethan125regulatorsandpolicymakersfrom96countrieswiththeallianceforfinancialinclusion(afi).inthisroleheprovidedsupporttotheDigitalfinancialservicesWorkingGroup,theafricanMobilePhonefinancialservicesPolicyinitiative,andrepresentedafiontheG20GlobalPolicyforfinancialinclusionsubgrouponMarketsandPaymentssystems.hehaswrittenandlecturedonvariousaspectsofdigitalfinancialservices,financialinclusion,andpolicyandregulatoryenvironment.heholdsaJDinLawfromnotreDameLawschool.

Shankar PandeChiefGeneralManagerNational Bank for Agriculture and Rural Development (NABARD)

shankarPandeisChiefGeneralManageratindia’snationalBankforagricultureandruralDevelopment(naBarD)inJammuandKashmirstate.naBarD,aGovernmentofindiaorganisation,istheapexdevelopmentinstitutionforagricultureandrural

developmentthroughcreditandnon-creditsupportandpolicyformulation.Previously,MrPandewasGeneralManageratnaBCons–aconsultancyarmofnaBarD,headquarteredinMumbai.healsoservedasnaBCons’Businessheadfortheafricaregion,basedinnairobi.MrPandewasinstrumentalinupscalingthemicrofinanceportfolioinindia’sBiharstate,throughtheshG-BankLinkageProgramme.healsoservedasafacultyMemberattheprestigiousBankersinstituteofruralDevelopment(BirD)inLucknow,indiaforsixyears.heledamulti-disciplinaryteamtoimplementaparticipatoryMaharashtraruralCreditProjectinChandrapurDistrictofMaharashtrastate,focusedoncreditintensificationforthepoorandforwomen.hiskeyinterestsaredevelopmentfinancing,projectappraisalandmonitoring,microfinance,agriculturalfinancing,credit-ledpovertyalleviation,ruralcreditpolicy,anddevelopmentconsulting.

Abhay PareeksenioranalystandPracticeGroupLeaderMicroSave

abhayPareekleadsthePrivatesectorDevelopmentpracticeatMicrosave.hehassignificantpracticalexperienceintechnicalassistanceandcapacitybuildingprojectsinsMefinance,ValueChainDevelopmentandfinance,Microfinance,YouthDevelopment,

financialLiteracy,Digitalfinancialservicesandeducationprojectsinindia,sriLanka,thePhilippines,Bangladesh,indonesia,KenyaandUganda.asaManagementConsultant,hehasworkedwithmultilaterals,financialinstitutions,non-governmentorganisations,producercompanies,andfarmercollectives.hisexpertiseliesinsectorassessmentandscoping,businessplanningandprogrammeformulation;productdesignandprocessesdevelopment;businessplanrollout,andimplementationsupport.Keyprojectsincludelandscapestudyonagri-interventionforamultilateralinsriLanka;technicalassistancetotwoproducercompaniesinindia;valuechainfinancefordifferentcropsinthePhilippines;agri,Cattle,Dairyandenterpriseloanproductsdesignandimplementation;andtrainingsforCommunity-Basedorganisation(CBo)leadersongovernanceandleadership.




Alok PrasadPrincipaladvisor,rBLBank,andformerCeoMicrofinance Institutions Network (MFIN)

alokPrasadisaveteranbankerandfrom2010to2015,thefounderCeoofindia’sMicrofinanceinstitutionsnetwork(Mfin).hehasheldseniorpositionsacrossinstitutionsrangingfromthereserveBankofindia(rBi)toCitibank.straddlingthe

government/regulatoryworldandtheprivatesector,MrPrasadsuccessfullysteeredthemicrofinanceindustrythroughitscrisisphase.ThesubsequentmainstreamingofMfisandtheirintegrationintothenationalfinancialarchitecturehavebeenanoutcomeoftheadvocacyworkdonebyMfinunderhisleadership.Passionateaboutfinancialinclusionandregulatoryissues,MrPrasadhasworkedcloselywiththerBi,theGovernmentandthemicrofinanceindustryfordevelopmentofanappropriatepolicyframeworkforpromotingaccesstofinanceinindia.MrPrasadiscreditedwithmakingMfinthefirstrBi-recognisedself-regulatoryorganisation(sro)inthefinancialsector.healsoservedastheChairpersonofthesouthasianMicrofinancenetworkfor2013-15.MrPrasadiscurrentlyconnectedwithanumberofbanksandotherfinancialinstitutionsinanadvisorycapacity.

Subrata Sarkar operationsDirector,DigitalequalizerProgramAmerican India Foundation

subratsarkarisoperationsDirectorfortheDigitalequalizerprogrammeatamericanindiafoundationinodisha,india.hehasmorethanadecadeofexperienceinthesocialdevelopmentsectorwithafocusoneducation–specificallytechnologyin

educationor“techno-pedagogy”.hehasbeeninvolvedindesigninganddevelopingprojects,programmeplanning,implementationandsupervision,financialplanningandbudgets,qualitativeandactionresearch,policyandadvocacy,andtrainingandcapacitybuilding.hisresearchinterestliesineffectivelyleveragingtechnologyineducationtoimpactlearningoutcomes.hehasanumberofpublicationstohiscredit.Mrsarkariscurrentlyengagedinanactionresearchstudyfocusingonthelearningoutcomesofstudentsinspecificsubjectssuchasscience,mathematicsandgeographyasaresultofteachertraining,coachingandmentoringontechno-pedagogy.heholdsaMaster’sinPoliticalsciencewithaspecialisationinPoliticalsociologyandinternationalrelationsincludingDefenceandstrategicstudies.healsoholdsaBachelor’sinLaw.

Sokha HuotChiefBusinessofficerAMK Microfinance Institution

sokhahuotjoinedaMKMicrofinanceinstitutionasChiefBusinessofficerinMay2012.hehasmorethan15years’experienceininternationaltradingcompanies,microfinance,andthebankingindustry.Previously,heworkedforMayaCorporation

ofsingapore,amretmicrofinanceinstitution,anZ’sWinGmobileandbranchlessbankingunit,andCiMBBankofMalaysia,assalesManager,Marketing&CommunicationsManager,BusinessrelationshipManager,andheadofMarketing&ProductDevelopmentrespectively.MrsokhaalsoworkedasaconsultantandresearcherforprojectsonmicrofinanceproductdevelopmentandsavingsmobilisationinCambodia’sruralareasfortheasianDevelopmentBankandamicrofinanceprojectmanagedbyfrenchnGoGreTandtheCambodianCenterforstudyandDevelopmentinagriculture(CeDaC).MrsokhaearnedaBachelorofManagementandMarketingdegreefromMVUUniversity,andanMBafromCharlessturtUniversity,australia.healsocompletedpostgraduatestudyonfinanceDevelopmentatnaropaUniversityintheUs.

Dan SongcoPresidentandCeoPinoyME Foundation

DanilosongcoisPresidentandCeoofPinoyMefoundation,anon-profitorganisationestablishedbyformerPhilippinePresidentCorazonaquinotosupportmicrofinanceinstitutionsandpromotethegrowthofmicroenterprisesinthe

Philippines.Mrsongcoalsoservesasaconsultanttovariousbilateralandmultilateralinstitutions.hehastakenleadershippositionsinseveralcivilsocietyorganisationsandservedindifferentcapacitiesinthePhilippinegovernment.hewasamemberoftheboardofdirectorsoftheDevelopmentBankofthePhilippinesfrom2001to2004.MrsongcowasanawardeeoftheWorldBank’sDevelopmentMarketplacein2000,wasnamedtheninoyaquinofellowforPublicservicebytheUsstateDepartmentin2002,andwasafellowoftheeisenhowerexchangefellowshipin1999.hehasaMaster’sdegreeinPublicadministrationfromtheKennedyschoolofGovernmentatharvardUniversity.



biogrAPHies


Bea Teh-TanConsumerBusinessManagerandManagingDirectorCiti Philippines

BeaTeh-TanwasappointedConsumerBusinessManagerforCitiPhilippinesin2013.Priortothisrole,shewasCreditPaymentProductshead,managingtheconsumerfinanceportfolio,includingcreditcardsandpersonalloans.MsTanjoinedCiti

Philippinesin1998andhasheldavarietyofrolesincludingstrategicPlanningheadandheadofCardsMarketing,salesandDistribution.herachievementsinthecreditcardbusiness,whereCitiretainsaleadingmarketshare,havebeeninstrumentalindrivingthegrowthofCiti’sconsumerbankingbusinessinthePhilippines.Underherleadership,CitilaunchedthePayLiteinstallmentplatform,whichisnowwidelyusedinotherasiaPacificcountries,aswellasanumberofotheraward-winningproducts.sheforgedkeypartnershipswithotherindustryleadersthathaveresultedinanenviableportfolioofcreditcardproductsaswellaspersonalloans.in2008,MsTanwasrecognisedbyTheasianBankerasoneoftheTop100MostPromisingYoungBankersinasiaPacificandtheGulfregion.shegraduatedfromDeLasalleUniversitywithaBachelor’sdegreeinCommerce,majoringineconomicsandBusinessManagement.

Preeti TelangCeoSwadhaar FinAccess

PreetiTelanghasbeenassociatedwithswadhaarsince2008,focusingonfinancialeducationandfinancialinclusionfortheurbanslumdwellersinMumbaiandGujaratinindia.shewasinvolvedinresearching,designing,developingandimplementingswadhaar’s

financialeducationProgrammeandfinancialinclusionandLiteracyCentres(fiLC),andalsointroduceddigitalfinancialeducationtotheprogramme.MsTelangiscurrentlytheCeoofswadhaarfinaccess,thenot-for-profitentity,andVicePresidentforCustomerservice,ClientProtectionandTrainingatswadhaarfinservePvtLtd.sheleadsallthecustomerprotectionandsocialperformanceinitiativesinswadhaar,andalsoheadsthestafftrainingdepartment.shehasover20years’experienceinthedevelopmentsector,specificallyintheareaofcommunication.Duringhercareer,shehasdevelopedanddesignedcommunicationstrategiesandtrainingmodules,andconductedanumberofTrainingofTrainersandcommunicationskillsworkshops,especiallyfornGograssrootworkers.MsTelangholdsanMBainsocialentrepreneurshipandaMaster’sinsocialWorkfromMumbaiUniversity.

Cathleen TobinDirector,ProductDevelopmentWomen’s World Banking

asDirectorofConsumerinsights&engagement,CathleenTobinspearheadsallproduct-relatedconsumerresearchatWomen’sWorldBanking,theglobalnon-profitdevotedtogivingmorelow-incomewomenaccesstothefinancialtoolsand

resourcestheyrequiretobuildsecurityandprosperity.MsTobinusesinsightsfromthisresearchtodevelopmarketingandloyaltyandcustomercareprogrammesforsavings,creditandinsuranceproductsdevelopedincollaborationwithWomen’sWorldBankingnetworkmembersandassociates.allofWomen’sWorldBanking’sproductsaredesignedtomeettheneedsofunbankedandunderbankedwomen.forthatreason,marketinginthiscontexttypicallyincludesafinancialeducationcomponent.PriortojoiningWomen’sWorldBanking,MsTobindesignedandledmarketingandbrandingeffortsforUnilever,revlon,andJohnson&Johnson.sheholdsaBainsociologyfromtheCollegeoftheholyCrossandanMBafromCornellUniversity.

Robin Varghese seniorfellowandVicePresidentofinternationaloperationsPolicy and Economic Research Council (PERC)

robinVargheseisafoundingmember,seniorfellowandVicePresidentofinternationaloperationsofthePolicyandeconomicresearchCouncil(PerC).hehasworkedextensivelyonissuesofinformationprivacyandsecurity,dataquality,credit

reportingandcreditreportingreformintheUsandabroad,focusingespeciallyontheuseofinformationforfinancialinclusion.hehasalsoworkedontheuseofprivatesectordataforthedevelopmentofpublicpolicymonitoringapplications.DrVarghese’scoreresponsibilitiesincludethedesignanddevelopmentofmethodologyforPerC’sstudies.heistheco-authorofmanyPerCstudiesoneconomicdevelopment,creditreportingandfinancialaccess.hehasalsoworkedonbehalfofPerCwiththeUsfederalTradeCommission,theGovernmentaccountabilityoffice,membersofCongress,andnGosandgovernmentagenciesinseveralcountriesonpolicyissuesdirectlyrelatedtoPerC’scoreresearch.DrVarghesereceivedaPhDinPoliticalsciencefromColumbiaUniversityintheUs,specialisingincomparativepoliticaleconomy.



ConCUrrenTPaneLDisCUssions WorKshoPs

Darwin WibowoPresidentDirectorBank Andara

DarwinWibowoisthePresidentDirectorofBankandara,whichfocusesonprovidingfinancialinclusionthroughmicrofinanceinstitutionsinindonesia.BankandaraisownedbyMercyCorps,DevelopingWorldMarkets,ifC,KfWBank,hivos-Triodosfund

andMriWayanGatha.PriortojoiningBankandara,MrWibowowasheadoftheCorporateBankforPTBiiMaybankTbk.hestartedhiscareerwithCitibankfollowedbyastintinalocalbusinessgroupinindonesia.MrWibowohasanMscinBusinessadministrationfromsanDiegostateUniversityandaBscfromsanfranciscostateUniversity.

Mina Zhangsenioradviser,international&institutionalrelations,asiaregionWorld Savings and Retail Banking Institute (WSBI)

MinaZhangisresponsibleformanagingrelationshipswithWorldsavingsandretailBankinginstitute(WsBi)membersinasia,coordinatingtheircontributionstoWsBiactivities,developingjointregionalinitiativesandliaisingwithregionalstakeholdersand

institutions.sheisalsoinvolvedinWsBicross-cuttingpolicyinitiatives,suchasmicrofinance,inclusivefinancialsectors,andfinancialliteracy.MsZhanghasasolidbackgroundinfinancialengineeringandrelationshipmanagementinanasianbankingenvironment.

Charlene BachmanregionalBusinessDevelopmentManagerSoftware Group

CharleneBachmanisadevelopmentfinanceprofessionalworkingastheBusinessDevelopmentManagerforsoftwareGroupinasiaPacific.WithexperienceworkingwithfinancialinstitutionsacrossLatinamerica,asiaandthePacific,shepromotestheuseof

deliverychannelsandtechnologysolutionsthataimtoexpandthereachoffinancialinclusion,increaseoperationalefficiencyandfacilitateaccesstofinancialservices.PriortojoiningsoftwareGroup,MsBachmanworkedinGlobalinvestmentsataccioninternationalwhereshesupportedmultipleimpactinvestingfundstargetingtheMfiandfintechsectorswitharangeofbusinessdevelopment,investmentanalysisandportfoliomanagementactivities.MsBachmanholdsdualBachelordegreesinBusinessadministrationandinternationalstudiesfromamericanUniversityinWashington,DC.

Rajitha BeardenseniorinvestmentanalystSymbiotics

rajithaBeardenreturnedtosymbioticsin2014afterheadingCitibank’sCitizenshipandCommunityDevelopmenteffortsacross18asianmarkets.from2009to2011,shewassymbiotics’seniorinvestmentanalystforasiaandestablisheditsregionalhubin

singapore.Previously,shewasahighYieldresearchassociateatWachoviaCapitalMarketsintheUs.sheholdsanMBafrominseaD,anMscineconomichistoryfromtheLondonschoolofeconomics,andaBainPublicPolicyfromDukeUniversityintheUs.



biogrAPHies

WorKshoPs

Anya BerezhnaregionalManagerSymbiotics

Priortojoiningsymbioticsin2008,anyaBerezhnaworkedinsyria,BurkinafasoandMalifortheagaKhanagencyforMicrofinance(aKaM),aninternationalnetworkofmicrofinanceinstitutions.Duringherassignmentinsyria,sheassistedthe

financeandoperationsdepartmentsinestablishingthefirstMfiinsyria.inBurkinafasoandMali,sheworkedasatechnicalassistantfortheinternalauditandfinancedepartments.MsBerezhnaholdsaMaster’sdegreeinMicrofinancefromnancyUniversityinfrance.

Jaclyn Berfondspecialist,research,Monitoring&evaluationWomen’s World Banking

JaclynBerfondisaspecialistontheWomen’sWorldBankingresearchteam,wheresheleadsmonitoringandevaluationinitiatives,includingtheanalysisofnetworkfinancialandsocialperformancedata,andmanagestheWomen’sWorldBanking

GenderPerformanceinitiativetocreateaframeworkofgender-basedperformanceindicators.PriortojoiningWomen’sWorldBanking,MsBerfondwasaresearchassociateattheCouncilonforeignrelations,wheresheresearchedissuesofinternationalpoliticaleconomy,includingeconomicdevelopment,globalisation,tradepolicy,immigration,financialsystems,andtheintersectionoftechnologyandforeignpolicy.Previously,sheworkedinclientserviceataprivatewealthmanagementfirm.MsBerfondholdsaBachelor’sdegreeininternationalrelationsandeconomicsfromBostonUniversityandaninternationalorganisationsMBafromtheUniversityofGeneva.

Jessie FisherProgramofficerGood Return

Jessiefisherhasworkedintheinternationaldevelopmentsectorforthepastfiveyears,joiningGoodreturnin2013.shemanagesjointprogrammeswithGoodreturn’spartnersacrossthePhilippines,fijiandTonga,aswellasGoodreturn’sskilled

volunteerprogrammethatoperatesacrosstheasiaPacificregion.Msfisherholdsanh1honoursininternationalstudiesfromMonashUniversity,withafocusonGenderandDevelopment.

Joy Kimanalyst,financialinclusionMIX

JoyKimisafinancialinclusionanalystatMiX,responsibleforbuildingvisualisationsonfinclusionLab.organdbuildingcustomdashboardsforclients.MsKimisinvolvedinallaspectsofvisualisationdevelopment,fromdatacollectiontoanalysis.shejoinedMiXin

May2013asafinancialinclusionresearchassociate.sheholdsaBaineconomicsfromVanderbiltUniversityandanMaininternationalaffairsfromtheGeorgeWashingtonUniversity’selliottschoolofinternationalaffairs.

Joey Mendozasenioradvisor,PaymentinnovationsNetHope

JoeyMendozahasmorethan30yearsofprofessionalexperienceinthetelecommunicationsandinformationtechnologyindustriesinsoutheastasia,southasiaandnorthamerica.after16yearsworkingforvariousmobile

telecommunicationscompaniesand13yearsiniTwithiBM,sunMicrosystems,oracleandLucent,MrMendozahasforthelast5yearsbeeninvolvedwithinternationalorganizationsanddonoragenciessuchasUsaiD,theWorldBankandifCworkingondigitalpaymentsandmobilefinancialservices.heiscurrentlytheChiefofPartyfortheUsaiD-fundede-MiTraprojectinindonesia.inthePhilippines,MrMendozawasthechiefarchitectofthesuccessfullaunchandimplementationin2004ofG-Cash,theworld’sfirstcard-lessandcash-lessmobilemoneysolution,developedwithGlobeTelecom.



WorKshoPs

Zahra NiaziseniorManager,financialinclusionProgramInnovations for Poverty Action (IPA)

ZahraniaziisaseniorManagerforthefinancialinclusionProgramatinnovationsforPovertyaction(iPa).shemanagesthefinancialservicesforthePoorinitiative,supportingresearchfocusingonimprovingthedesignanddeliveryofdigital

innovationstohelplow-incomehouseholdsaccessandbenefitfromformalfinancialservices.sheholdsaMaster’sdegreeinPublicPolicyfromtheharvardKennedyschoolandaBachelor’sdegreeineconomicsfromtheLahoreUniversityofManagementsciences.

Dina PonseastasiaregionalDirectorandsocialPerformanceManagerIncofin Investment Management

DinaPonsisincofineastasiaregionalDirectorandsocialPerformanceManager,basedinPhnomPenh,Cambodia.sheisaboardmemberofaMK,oneoftheleadingCambodianmicrofinanceinstitutions.shealsositsontheboardofdirectorsofthe

socialPerformanceTaskforce(sPTf)andco-chairsthesocialinvestorsWorkingGroup.MsPonsmanagesaportfolioof$80m,servingmorethanadozenfinancialservicesprovidersacrosseastasia.Priortojoiningincofin,MsPonslivedinthePhilippines,wheresheworkedasasenioranalystforthemicrofinance-specialisedratingsagencyPlanetrating.shealsolivedinChina,whereshewaspartoftheteamthatsetuponeofveryfewforeign-ownedmicrofinanceinstitutionsinthecountry,MicroCrednanchonginsichuan.MsPonsholdsMaster’sdegreesfromsciencesPoParisandtheLondonschoolofeconomics.

Manoj Sharma ManagingDirectorMicroSave

ManojKsharmaisMicrosave’sManagingDirectorforasiaandhasbeenworkinginthefieldofdevelopmentfinanceformorethan20years.atMicrosave,anadvisoryandconsultingcompanyworkinginthefieldoffinancialinclusion,Mrsharmamanagesthe

asia-Pacificregion,withaninterestspecificallyinthedevelopmentofinnovativeproductsandtechnology-basedchannelstoenablefinancialservicestobesustainablydeliveredtolow-incomesegments.Mrsharmahasextensiveexperienceinthefieldoffinancialinclusion,includingtheuseofagent-basedoutreachchannels,andhasalsobeensupportingthemovetowardsdigitisationofgovernmentbenefitsanddirectcashtransfers.PriortoMicrosave,heworkedwiththesmallindustriesDevelopmentBankofindia,adevelopmentfinancialinstitution.

Lara StormDirector,financialinclusionMIX

LarastormistheDirectoroffinancialinclusionatMiX,responsibleforleadingMiX’sgrowingportfoliooffinancialinclusionprojectsandhelpingtoshapeoverallfinancialinclusionprogrammestrategyandproducts.Msstormleadsfinancialinclusion

datacollection,analysis,andtoolsdevelopment,andseekstobuildpartnershipstosupportMiX’sfinancialinclusionofferings,particularlywithregulators,policymakersandrelateddataproviders.sheleadsateamofexpertdatawranglerstoproduceinnovativemapsandotherdatavisualisationproductsandanalysisthatwillsupportdecisionmakingaimedatincreasingfinancialaccessacrossthedevelopingworld.



biogrAPHies

WorKshoPs

Eugene TaninvestmentanalystSymbiotics

eugeneTanbeganhiscareerinrealestatewhereheworkedinassetmanagementandriskmanagement.Priortojoiningsymbiotics,heheldapositioninagovernmenteconomicagencywherehewasinresponsibleforexecutingtechnical

assistanceprojects,collaborationswithDevelopmentfinanceinstitutionsandconductinginvestmentanalysisforinfrastructureprojects.heholdsaBachelorofsciencedegreewithdoublemajorsineconomicsandPoliticalsciencefromthesingaporeManagementUniversity.heisaCfaCharterholder.

Camilo Tellez-MerchanKnowledgeandresearchConsultantBetter Than Cash Alliance

CamiloTellez-MerchanleadsKnowledgeandresearchworkattheBetterthanCashalliance(BTCa),providingtechnicalexpertisetoBTCamembersintheirtransitiontodigitalpayments.PriortojoiningBTCa,heworkedforCGaPatthe

WorldBankasafinancialsectorspecialistintheareaofdigitalpaymentsandfinancialinclusion.hewasalsoananalystfortheMobileMoneyfortheUnbanked(MMU)ProgramattheGsMassociationinLondon,wherehesupportedmobilenetworkoperatorsinLatinamericaastheydevelopedmobilefinancialservices.hehasworkedattheUnitednationseconomicandsocialCommissionforasiaandthePacific(UnesCaP)inBangkok,andatMicrosoftLabsinBangaloreconductinginformationandCommunicationTechnologiesforDevelopment(iCT4D)research.healsocompletedanappointmentattheWorldBank’saideffectivenessunitasaJuniorassociate.MrTellez-MerchanholdsgraduatedegreesfromtheJohnshopkinsUniversityschoolofadvancedinternationalstudies(sais),theLondonschoolofeconomicsandPoliticalscience,andsciencesPoinParis.

Pooja WaghProgramManager,financialCapabilityinitiative,financialinclusionProgramInnovations for Poverty Action (IPA)

PoojaWaghisaProgramManagerinthefinancialinclusionProgramatinnovationsforPovertyaction(iPa).shemanagesthefinancialCapabilityinitiative,whichspecialisesintheevaluationofinnovativeproductsandprogrammesthataimto

improvethefinancialcapabilityoflow-andmiddle-incomeindividualsindevelopingcountries.PriortojoiningiPa,MsWaghspentfouryearsatiBMGlobalBusinessservices.sheholdsaMaster’sdegreeinPublicPolicyfromtheharvardKennedyschoolandaBachelor’sdegreeinelectricalengineeringfromtheMassachusettsinstituteofTechnology.

John WonseniorDesignLeadIDEO.org

JohnWonisaseniorDesignLeadatiDeo.org,aglobalnon-profitdesignandinnovationfirmfocusedonpoverty-relatedchallenges.MrWonhelpsleadthefinancialopportunityprogrammearea,managesdesignteams,andguidespartnerorganisationsinthe

human-CenteredDesignprocess.Thisrangesfromhelpingresearchandgeneratecustomerinsightstotestingrapidprototypesandplanningpilots.hecontinueshisexperiencefromthe2012-13iDeo.orgfellowshipwhenheworkedonprojectsthatrangedfromimprovingmobile-moneyservicesamonglow-incomepeopleinGhanatounderstandinglong-termandyouthunemploymentintheUs.MrWoncametoiDeo.orgfromiDeo’snewYorkofficewhereheworkedattheintersectionofcommunicationsdesignandbusinessdesign.hespecialisedintranslatingcomplexinformationintosimplestorytelling.Previously,heservedasanewsgraphicseditorattheWallstreetJournalwherehecoveredfinancial,economicandpoliticalnews,workedonrealestatefinancialgraphics,andconsultedininformationdesign.

Diksha Financial Literacy Program, India



LeaDParTneranDCo-orGaniser

The Citi Foundationworkstopromoteeconomicprogressandimprovethelivesofpeopleinlow-incomecommunitiesaroundtheworld.Weinvestineffortsthatincreasefinancialinclusion,catalyzejobopportunitiesforyouth,andreimagineapproachestobuildingeconomicallyvibrantcities.TheCitifoundation’s“MorethanPhilanthropy”approachleveragestheenormousexpertiseofCitianditspeopletofulfillourmissionanddrivethoughtleadershipandinnovation.

www.citifoundation.com

Co-orGaniser

The Foundation for Development Cooperation (FDC) isanindependent,publicaustralianfoundationcommittedtobuildingprosperityintheasiaPacificregionbypursuing initiativesthatreducepovertyandpromoteequitableeconomicgrowthandcooperation.

Weachievethisbyresearching,pilotingandpromotingdevelopmentinitiativesthataremarket-basedandinnovative. overthepast25years,fDChasbuiltastrongreputationacrosstheasiaPacificregionasacatalyticorganisationthat–throughcollaborationacrossitsmulti-sectornetwork–advancesnewideasandapproachestobuildingprosperityindevelopingcountriesacrosstheregion.

fDC’sheadofficeisinBrisbane,australia.fDChasaPacificregionalofficeinfiji.

fdc.org.au

ConferenCeManaGeranDinTernaTionaLMeDiaParTner

Financial Times Live (FT Live) istheglobalconferencesandeventsdivisionofthefinancialTimesGroup.ChairedbyseniorjournalistsfromthefinancialTimesGroup,thesummits,conferences,awardsandstrategicforumsorganisedbyfTLivegathertheworld’sbrightestmindsandmostinfluentialdecision-makers.exclusiveon-stageinterviews,stimulatingpresentationsandlivelypaneldebates–availableonmultiplecontentplatforms–providethecutting-edgeinsights,uniquepersonalitiesandpeeraudienceengagementthathavethepowertotransformfinance,business,politics,societyandculture.

live.ft.com

ThefinancialTimesprovidesessentialnews,comment,dataandanalysisfortheglobalbusinesscommunity.ithasacombinedpaidprintanddigitalcirculationofover700,000.fTeducationproductsnowservetwothirdsoftheworld’stop50businessschools.

www.ft.com

orgAnisers

Citi Foundation

citi.com/progress

Every day, in cities around the world, people are doing amazing things. They’re creating, innovating, adapting, building, imagining. What about a bank? Shouldn’t we be equally ingenious? Strive to match our clients’ vision, passion, innovation? At Citi, we believe that banking must solve problems, grow companies, build communities, change lives.

Where people come togetherto create or build something, we’re there to help make it real.For over 200 years. Around the world.

© 20

15 Citigroup Inc. A

ll rights reserved. Citi and C

iti with A

rc Design are registered

service marks of C

itigroup Inc. The World’s C

iti is a service mark of C

itigroup Inc.

THE WORLD’S CITI. IT’S WHEREVER YOU ARE.



hosTParTner

The Bangko Sentral ng Pilipinas (BSP) isthecentralmonetaryauthorityoftherepublicof thePhilippines. itsprimaryobjective is tomaintainpricestabilityconducivetoabalancedandsustainableeconomicgrowth. itaimstopromoteand preserve monetary stability and convertibility of the national currency.TheBsPprovidespolicydirections intheareasofmoney,bankingandcredit. itsupervisesoperationsofbanksandexercisesregulatorypowersovernon-bankfinancial institutionswithquasi-bankingfunctions.TheBsPlikewisetakesleadinpromotinganefficientpaymentsandsettlementssystembyprovidingthenecessaryinfrastructurethroughtheoperationofthePhilippines’realtimegrosssettlementsystem.

ThevisionoftheBsPistobeaworld-classmonetaryauthorityandacatalystforagloballycompetitiveeconomyandfinancialsystemthatdeliversahighqualityoflifeforallfilipinos.Tosupporttheachievementofthisvision,theBsPhascommittedtopromotingfinancialinclusion,financialeducationandconsumerprotectionalongsideitstraditionalrolesasacentralmonetaryauthority.BsPinitiativesintheseareasinclude:

• Creationofapolicyandregulatoryenvironmentthatallowsthemarketto

innovatesolutionstoaddressexclusionchallengesinthecountry;

• Implementationofaproactiveconsumerprotectionframeworkandeffective

redressmechanism;

• ConductofacomprehensiveEconomicandFinancialLearningProgramfor

targetedaudienceslikestudents,theemployedsector,overseasFilipinosandtheir

beneficiaries,andtheunbankedsectors;

• Implementation,thrustrategicpartnerships,ofadvocacyprogramsthatraise

awarenessandgenerategreatersupportforfinancialinclusion,financialeducation

andconsumerprotection;and

• Creationofarobustdataandmeasurementframeworktosupportevidence-based

policymaking,programdevelopmentandprogressmonitoring.

Toaddressmulti-faceted inclusionissues,theBsPspearheadedthecraftingandimplementationofthenationalstrategyforfinancialinclusion(nsfi)togetherwithkeygovernmentagencies.Thensfi isaframeworkthatenablesgovernmentandprivatesectorstosystematicallycollaborateandcoordinatetoachievefinancialinclusiongoalsthatcontributetoinclusivegrowth.

Host PArtner

Citi-Parinaam Diksha Financial Literacy Program, India

Women Financial Literacy Program, Thailand



summit sPonsors

LeaDsPonsor

PayMaya is the digital financial services unit of the Philippines’ largesttelecommunications company PLDT and wireless services provider smartCommunications,inc.(smart).amulti-awardedentitywhichpioneeredmobilemoneyand digital payments that first introduced smart Money, the world’s first mobilewalletlinkedtoaMasterCardprepaidcardin2000.itoperatesaselectronicmoneyissuer(eMi)andelectronicmoneynetworkserviceprovider(eMnsP);andenablesmultiplebanks,cooperativesandmicrofinanceinstitutionsacrossvariousmarketswithmobilebankingplatform.italsointroducedbreakthroughservicessuchassmartPadalaforremittancesandmorerecently,PayMayafordigitalpayments.itbecamethefirstnon-financialinstitutioninsoutheastasiaandthesecondintheworldtohavebeenawardedaprincipallicensebyVisaforbothissuingandacquiringbusiness.

siLVersPonsor

Software Group is a privately owned company dedicated to developing andimplementingdeliverychannelsolutionsthatenablefinancialinstitutionstoexpandtheiroutreachandimproveoperationalefficiency.ourteamofover160professionalshasanoutstandingtrackrecordofhandlingcomplexprojectsforarangeofplayersin the financial sector including banks, microfinance institutions, credit unions andsavinggroups,paymentprovidersandmobilenetworkoperators.softwareGroup’sglobalheadquartersislocatedinBulgaria,withadditionalofficesinKenya,Ghana,thePhilippines,Mexico,australia,indiaandegypt.fromtheseoffices,over100clients’worldwide are served, spanning 42 countries across sub-saharan africa, easterneurope, Cis countries, Centralasia and the Pacific. software Group offers a rangeofsolutions,includingagency,BranchlessandMobileBanking,m-Wallet,aTM,Pos,sMs, internet Banking, Digital field applications, Card Management, Biometrics,Data Warehouse, Payment Gateways and efT switches. Whether you need to linkyour institutiontoamobilewalletplatform,connectclientstoautilitybillpaymentprovideror increasetheinteroperabilityofyourexistingsystemviaintegrationwithotherorganisations,wehavethesolutionstoensureyoursuccess.

www.softwaregroup-bg.com

neTWorKParTner

The Banking with the Poor Network (BWTP Network)isasia’smicrofinancenetworkthatworkstowardsbuildingefficient,large-scalesustainableorganisations,throughcooperation, training and capacity building with the aim of achieving innovative,appropriate and demand-driven financial services for the poor.The network is anassociationofadiverserangeofmicrofinancestakeholderscommittedtoimprovingthe quality of life of the poor through promoting and facilitating their access tosustainablefinancialservices.TheBWTPnetworkisaninitiativeofthefoundationforDevelopmentCooperation(fDC)anditssecretariatisbasedinBrisbane.

www.bwtp.org

www.paymaya.com

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ENABLING THE UNCONNECTED,UNBANKED, AND UNCARDED

through digital financial services



www.softwaregroup-bg.com

suPPorting PArtners

3 NOVEMBER LONDON

FT BANKING SUMMIT 2015live.ft.com/banking

4 NOVEMBER SINGAPORE

ASIAN WEALTH MANAGEMENT SUMMIT & GLOBAL PRIVATE BANKING AWARDSlive.ft.com/asianwealth | #AsianWealth

3-4 NOVEMBER LONDON

FT INNOVATE 2015live.ft.com/innovate #FTInnovate

10 NOVEMBER LONDON

FT EUROPEAN INFRASTRUCTURElive.ft.com/infrastructure | #FTInfra

24 NOVEMBER SHANGHAI

TRADE LINKS WITH THE NEW LATIN AMERICAlive.ft.com/tradelinksshanghai | #FTTrade

2 DECEMBER NEW YORK

FT GROWTH MARKETS SUMMITlive.ft.com/growthmarkets | #FTGrowthMarkets

9 DECEMBER NEW YORK

FT INNOVATE 2015live.ft.com/innovateUS | #FTInnovate

10 FEBRUARY LONDON

FT DEBT CAPITAL MARKETS OUTLOOKlive.ft.com/capitalmarkets2016 | #FTDebtCap

16 FEBRUARY LONDON

REGULATION IN ASSET MANAGEMENT 2016live.ft.com/regulatingam2016 | #FTRegAM

25 FEBRUARY LONDON FT AFRICAN INFRASTRUCTURE FINANCING AND DEVELOPMENTlive.ft.com/africaninfra | #FTAfricaInf 25 MAY SINGAPORE

FT ASIA PHARMA-HEALTHCARE SUMMIT 2016live.ft.com/asiapharma | #FTAsiaPharma

LONDON10 November 2015 | Hilton London Bankside

FT EUROPEAN INFRASTRUCTUREFilling the funding gap

Gold sponsors Silver sponsor

live.ft.com/infrastructure

Introducing the inaugural Financial Times European Infrastructure Summit: Filling the funding gap – a brand new addition to the FT Infrastructure conference portfolio of Africa, Asia and LATAM.

Chaired by Patrick Jenkins, Financial Editor, Financial Times, this summit will bring together leading infrastructure developers, institutional investors, financiers, lenders, policy advisers, government and European Union officials to discuss the European project pipeline and help institutional investors navigate the best investments for their portfolios as well as cost-effective fund management strategies.

Join us this November to put the spotlight on EU stability, examine EIOPA and find out about the Europe 2020 Project Bond initiative.

For further information:

CONFIRMED SPEAKERS

Miguel Gil TertreMember, Cabinet of Vice President Jyrki KatainenEuropean Commission

John KayEconomist

Padmesh ShuklaInvestment Offi cer TfL Pension Fund live.ft.com/africainfra

The Financial Times is pleased to present the second FT African Infrastructure Financing and Development: Powering sustainable African growth.

Drawing on the success of 2015’s inaugural event, it will focus on real world case studies and explore how the continent’s infrastructure challenge can be addressed, the role of regional integration in infrastructure development, the challenges and opportunities associated with project development, the importance of infrastructure to sustainable development, the investment techniques needed for a successful infrastructure project, the risks and opportunities of investment, regulations and tax developments.

Join policy makers, regulators and C-level representatives from pension funds, asset managers, investment banks, family offices and multi-family wealth offices – as well as product specialists, economic development thinkers, lawyers and consultants – to debate the potential for sustainable African growth.

Attendees of the FT Africa Summit benefit of a 20% discount. Please quote FTAfrica20 at registration.

FT AFrIcAn InFrASTrucTure Financing and Development

confirmed speakers

James KyngeEmerging Markets Editor and Associate EditorFinancial Times

James KingAfrica and Middle East Editor The Banker

25 February 2016 | One Great George Street LOnDOn

live.ft.com/InnovateUS

NEW YORKDecember 9, 2015 | Dream Downtown

In its fifth ground-breaking year in the States, FT Innovate returns to explore the behavior of truly innovative companies - how they re-model themselves to address what today’s market needs, but also ensure longevity so they are still relevant in the future. We will learn from the most dynamic executives, leading VCs, and those at the cutting-edge of innovation, and explore what tomorrow will bring and how it will impact how organizations operate and create.

Speakers include:Kay Koplovitz, Chairman and CEO, Koplovitz & Co LLCRichard Plepler, Chief Executive Officer, HBOAtif Rafiq, Senior Vice President and Chief Digital Officer, McDonald’s Corporation

For sponsorship inquiries, please contact: Tim Powell at [email protected] or +1 917-551-5097

For more event information and to register, visit our website at:

Law Firm Sponsor

LONDON3 November 2015 | Marriott Grosvenor Square

Partner Publication

Chaired by Patrick Jenkins, Financial Editor, Financial Times, the second annual FT Banking Summit will examine how the industry is being shaped by the disruptive forces unleashed by digital technologies, regulation, regional economics and competition.

EXPERT SPEAKERS INCLUDE:

Martin Wolf CBE, Associate Editor & Chief Economics, Commentator, Financial TimesAndrea Orcel, President Investment Bank, UBS GroupOlivier Garnier, Group Chief Economist, Société GénéralePhilipp Hildebrand, Vice Chairman, BlackRock

Address industry challenges and examine future banking strategies this November:

live.ft.com/banking

Lead sponsorsFounding partner Associate sponsors

FT readers save 10% - Quote code ‘BANK’

3 - 4 November | Vinopolis LONDON

Is the big bad, small good narrative too simplistic? Are the big guns fighting back? Or is the future of innovation really a story of how big and small companies will work together, as each seeks to figure out a way of working with the other? Join us at FT Innovate 2015 to find out.

SPEAKERS INCLUDE:Alex Stephany, CEO, Just ParkFred Jansen, Mission Manager, Gaia and XMM-NewtonDavid Bunch, Global VP, Retail Marketing, ShellErik Kruse, Networked Society Evangelist & Director Networked Society Lab, Ericsson Stan Laurent, Group Chairman and CEO, PhotoBoxMilko Van Duijl, Senior Vice President, Regional Sales, UK and Ireland, CA TechnologiesMinoru Usui, President, EpsonSteve Leonard, Executive Deputy Chairman, Infocomm Development Authority, SingaporeBarbara Novick, Vice Chairman, BlackRockPaul Sloane, Author of The Innovative LeaderAndy Page, President, 23andMeMargaret Heffernan, Entrepreneur, CEO and author

Book today and save 10% when registering online. Use marketing code A5. For more information and to register:

2015BIG VS SMALL: WHICH ONE IS BETTER?

live.ft.com/innovateLead Sponsor Associate Sponsor

Regulation in asset ManageMent

16 February 2016Painters’ Hall, london

Debating the way forward for regulatory reform

FT GROWTH MARKETS SUMMITAdjusting to a New Paradigm

NEW YORKDecember 2, 2015 | Convene - Financial District

Cocktail sponsorGold sponsors

live.ft.com/GrowthMarkets

As investors and businesses reassess risk and value in the volatile economic environment, it is more important than ever to identify the key opportunities for long-term growth that still exist across both emerging economies and the frontier markets of Africa, Latin America, Asia and Europe. Join us this December where top investors, business leaders, economists, advisors and policy-makers will gather to discuss the new forces determining global expansion, the regions, countries and sectors most likely to fl ourish in the medium to long term, and the most effective strategies for creating value.

FEATURED SPEAKERSAgustín Carstens, Governor, Banco de MexicoJay Ireland, President and CEO, GE AfricaMichael Spence, William R. Berkley Professor in Economics & Business, New York University, and 2001 Nobel Laureate

Reserve your place now!For more information and to register, go to:

WINDSORWINSR_BRAND_04_AWWINDSOR LOGO FA10/11/14JASON GLASSICKCORRINE ANGNANANA

1 NA

C M Y K

live.ft.com@FTLive www.facebook.com/fi nancialtimes

FT LIVEUPCOMING EVENTS

2015-2016



generAl inFo

LoCaTion

ThesummitwilltakeplaceintherizalBallroom,Level2,Makatishangri-La,Manila.Therooms

fortheConcurrentPanelDiscussionandWorkshopswillbeannouncedbyconferencestaffand

indicatedonconferencesignage.

LUnChanDrefreshMenTs

refreshmentswillbeservedinthefoyerfrom8:30amandduringbreaks.Lunchwillbeprovidedfor

alldelegatesinthefoyer.

GaLaDinner

TheGalaDinneron28octoberwillbeheldat7:00pmintherizalBallroom.

MoBiLePhones

asacourtesytootherdelegates,pleaseensureyourmobilephoneisswitchedtosilentconference

activitiesareinprogress.

PhoToGraPhY

Photographyandrecordingarestrictlyprohibitedduringthesummitunlessauthorisedbythe

organiser.

ProMPTness

allsessionswillstartontime.Pleasetrytoarriveafewminutesearly.

feeDBaCKforM

Wewouldbegratefulifyoucouldcompleteafeedbackform.Pleasepassthecompletedformtoa

Conferencestaffmemberbeforeyouleavethesummit.

seCUriTY

forsecurityreasons,itisimportantthatdelegatesweartheirbadgesatalltimes,otherwiseentrance

tothesummitandGalaDinnermaybeprohibited.itisadvisablenottoleaveanyvaluablesor

documentsunattendedatanytime.

soCiaLMeDia

forliveupdatesfromtheeventandtoparticipateonTwitter:

www.twitter.com/ftlive#fininclusionsummit

Citi Foundation


Lead Partner and Co-Organiser

Co-Organiser

Conference Manager and International Media Partner

Host Partner

ASIA-PACIFIC FINANCIAL INCLUSION SUMMIT 2015

Documents

Transcript of ASIA-PACIFIC FINANCIAL INCLUSION SUMMIT 2015