24-28 | June 2019
Nairobi Kenya
Inclusive Digital Future A Summit on Responsible Finance in Action Program Booklet
Keeping clients first in financial inclusion
Inclusive Digital Future: A Summit on Responsible Finance in Action
Table of Contents Welcome Letter.............................................2 Pre-Meeting Day...........................................3 Day 1 Summit Agenda.............................4 Day 2 Summit Agenda............................7 Day 3 Summit Agenda...........................13 The List of Participants............................14
In partnership with:
Inclusive Digital Future: A Summit on Responsible Finance in Action
1
Inclusive Digital Future: A Summit on Responsible Finance in Action
Welcome Letter
Dear delegates, Welcome to Inclusive Digital Future: A Summit on Responsible Finance in Action. Our participants come from every region of the world, representing over 45 countries. It is truly a global meeting of the minds. SPTF and the Smart Campaign are delighted to partner as hosts for this summit. We have a longstanding commitment to aligning our efforts in standard setting and advocacy. Both organizations believe deeply that a more responsible, more inclusive financial sector is possible. We are grateful to MSC, ADA, and NpM for their partnerships in organizing this summit, and to Mastercard Foundation and Luxembourg Aid & Development for their generous support. Over the next few days, we will confront the most pressing financial inclusion question of the day: How do we promote inclusion and trust in digital financial services while fostering innovation and growth? We will explore this question through a combination of plenaries, trainings, workshops, and site visits. Our goal is for attendees to actively participate in the discussions so that we can learn from global experience. We look forward to hearing your ideas. Let’s get to work! Sincerely,
Isabelle Barres
Laura Foose
Director, Smart Campaign
Executive Director, SPTF
Inclusive Digital Future: A Summit on Responsible Finance in Action 2
Summit Agenda Monday, June 24 Pre-Meeting Day Registration & Briefing Materials Pick-up Time:
Please arrive before 8:45 to receive your name tag and important meeting materials.
8:00–8:45
Feedback Session with Trained Auditors & Assessors Time:
9:00–17:30 Room Nzoia
This full-day meeting is open to trained auditors and assessors who have used the SPI4 and/or Smart Campaign client assessment tool. The SPTF, CERISE, and the Smart Campaign invite users of these tools to help us answer these important questions: As we review the Universal Standards and Client Protection Standards in the coming year, how can we improve the tools used to assess compliance with these standards? How can we improve the standards themselves? How can our organizations best support the technical assistance providers and others who promote implementation of the standards? Closed meeting, pre-registration required.
Geodata for Inclusive Finance: Lessons Learned Time:
14:00–17:00 Room Mara
As part of the series of events for NpM’s Geodata for Inclusive Finance and Food (G4IFF) workstream, this half-day session will share insights from the three winners of the NpM Innovator’s Challenge: Agri-wallet, Apollo Agriculture, and VanderSat. The companies will present their efforts in integrating geodata information with financial services for smallholder farmers in Kenya. This will be followed by an open discussion to explore issues of data privacy that may arise from the use of geodata by fintechs, financial institutions, and other actors. This session is open to all participants.
3
Inclusive Digital Future: A Summit on Responsible Finance in Action
Summit Agenda Tuesday, June 25 Day One Registration & Briefing Materials Pick-up Time:
8:00–8:45
Please arrive before 8:45 to receive your name tag and important meeting materials. If you attended a session on Monday, you do not need to do this.
Training: Responsible Digital Transformation Time:
9:00–17:00 Room Galana/ Chania
Created and presented by MSC. We are grateful to MSC and the European Investment Bank (EIB) as a supporting partner for this training. This training aims to prepare service providers to understand their options for digital transformation, including how to create a strategic plan for digitalization, and how to transform products, processes, channels and the user experience. This day-long, highly interactive workshop will help you develop the right strategy as your institution builds a digital transformation plan. Focused on social goals such as customer-centricity, consumer protection, responsible finance, and financial inclusion, this training will present the different options for digital transformation and the steps involved. As fintechs break into the market, it is important that incumbent financial institutions respond to this digital disruption by embracing digital transformation. The good news is that digital disruption can help traditional providers create better, faster, and cheaper services, equipping them to better serve their customers. Providers of all types must leverage the disruptive power of technology, innovation, and digital disruption to retain or enhance the market share, revenue, and profits. Trainers: Anup Singh, Associate Partner and Regional Head, Anglophone Africa, MSC (Kenya); Edward Obiko Manager, Digital Financial Services, MSC (Kenya) Contributing speakers: Raliat Sunmonu, Senior Director, Africa Program Management, Accion Global Advisory Services (Nigeria); Sahana Arun Kumar, Managing Director, Amarante Consulting (United Arab Emirates) Advance registration is required.
Inclusive Digital Future: A Summit on Responsible Finance in Action 4
Summit Agenda Tuesday, June 25 Day One (cont’d) Fintech Protects Community of Practice Meeting Time:
9:00–12:30 Room Likii
The Smart Campaign will host the first in-person meeting of Fintech Protects, a community of practice for fintechs and digital providers. During this session the group will exchange best practices, discuss challenges, and build the know-how to address emerging consumer risks in digital financial services. Closed meeting—invited participants only.
Model Legal Framework 2.0 Roundtable Time:
14:00–17:00 Room Kigwa
As the availability of digital financial services rapidly increases, regulators must also keep pace to maintain consumer protections while fostering innovation. The Model Legal Framework (MLF) is a collection of best practices and expert knowledge from markets around the world that policymakers can draw on to guide efforts at creating or refining a legal framework based on the Smart Campaign’s Client Protection Principles. This half-day session, led by the Smart Campaign, will introduce MLF 2.0, which offers guidance for addressing new consumer protection risks and regulatory challenges associated with the rise of digital financial services. The roundtable will serve as a space for dialogue between regulators, policymakers, providers, and others on pressing regulatory questions. Moderators: Boubacar Diallo, Advisor, Africa Region, Smart Campaign (Senegal); Jessica Galimberti, Assistant General Counsel, Accion (United States) Speaker: Ivan James Ssettimba, Head Regional Office, Africa & Arab Region at Alliance for Financial Inclusion (Uganda) This session is open to all participants.
5
Inclusive Digital Future: A Summit on Responsible Finance in Action
Summit Agenda Tuesday, June 25 Day One (cont’d) Data Security Workshop Time:
14:00–17:00 Room Naro Moru
With the digitalization of financial services, the data security landscape has become more complex and new risks are emerging for both financial services providers and customers. Rapidly evolving threats demand that financial service providers tackle data security head on by building security measures into new technologies and digital services from the outset. In this workshop, you will hear from leading cybersecurity experts about the new threats that endanger financial inclusion, shortcomings of traditional approaches, and new best practices. We will address some of the most urgent questions about data security: What are the most efficient and affordable measure for providers to prevent breaches, and how do you respond if a breach occurs? How should data integration with partners be managed? What regulatory and compliance issues are on the horizon? In this workshop participants will have the opportunity to share their own experiences and find answers to the questions that keep them up at night. Moderator: Elisabeth Rhyne, Managing Director, Center for Financial Inclusion at Accion (United States) Speakers: Jean-Louis Perrier, Suricate Solutions (Luxembourg); Jen Brant, Cyber Readiness Institute (Switzerland); Mohamed Mahdy, IBAG Money Transfer Services (Egypt) This session is open to all participants.
Cocktail Reception: 115 Days Before the Next SAM! Time:
17:30–19:00 Room Mara Annex
All participants are invited to network as an ‘appetizer’ before the Semaine Africaine de la Microfinance (SAM) conference in Ouagadougou (October 21 to 25). Complimentary beverages and hors d’oeuvres will be served and more information will be shared on this unique event!
Inclusive Digital Future: A Summit on Responsible Finance in Action 6
Summit Agenda Wednesday, June 26 Day Two Registration & Briefing Materials Pick-up Time:
8:00–8:45
Please arrive before 8:45 to receive your name tag and important meeting materials. If you attended sessions on Monday or Tuesday, you do not need to do this.
Plenary 1: Responsible Digital Finance in Action Time:
9:00–10:30 Room Tana Ballroom
Over the past decade, technology has enabled unprecedented access to financial services for low-income people. The best innovations have focused on deepening inclusion while also creating benefits for customers—greater convenience, lower transaction costs, improved financial capability, asset building, and more. But the digital revolution has also created fresh challenges to solve, introducing previously uncharted risks. Now is the window of opportunity to build trust with new consumers of financial services and encourage inclusive growth. This kick-off session will offer practical lessons from industry leaders who are changing the face of digital finance for the better. The Smart Campaign will also introduce the forthcoming client protection standards for digital credit, a tool to help providers put responsible digital finance into practice. Moderator: Isabelle Barrès, Global Director, Smart Campaign at Center for Financial Inclusion (United States) Panelists: Gerald Rasugu, Director, M4D Sub-Saharan Africa at GSMA (Kenya); Jeroen Harteveld, MASSIF Fund Manager, FMO (Netherlands); David Kitusa, Regional Representative for Anglophone Africa at Kiva.org (Kenya)
10:30–11:00 Networking Session & Refreshments
7
Inclusive Digital Future: A Summit on Responsible Finance in Action
Summit Agenda Wednesday, June 26 Day Two (cont’d) Plenary 2: Models for Responsible Digital Transformation Time:
11:00–12:30 Room Tana Ballroom
This session will discuss models for digital transformation that prioritize the needs of vulnerable people and value the relationships between providers and their customers. The fintech “invasion” is often described as a threat to responsible financial inclusion, but this view doesn’t have to be a self-fulfilling prophecy. Digital disruption can be a positive for providers who create the right digital transformation strategy, including healthy partnerships with fintechs and others. This session will focus on ways to navigate digital transformation without losing sight of your social foundation. It will examine successful partnerships between providers and B2B fintechs, different models for transformation, and practical ways to develop a transformation strategy that benefits provider and customer alike. Moderator: Maelis Carraro, Deputy Director, Catalyst Fund, BFA Global (France) Panelists: Raliat Sunmonu, Senior Director, Africa Program Management, Accion Global Advisory Services (Nigeria); Ted Pantone, Co-founder & CEO, Turaco (Kenya); Executive from Equity Bank (Kenya).
12:30–14:00 Lunch Buffet Lunchtime sessions will be announced directly prior to lunch.
14:00–15:45 Breakout Workshops (See next page)
Inclusive Digital Future: A Summit on Responsible Finance in Action 8
Day Two Wednesday, June 26
BREAKOUT WORKSHOPS All Workshops are from 14:00 - 15:45. Please choose one workshop to attend.
9
Inclusive Digital Future: A Summit on Responsible Finance in Action
Workshop 1: How Digital Transformation Is Impacting Financial Inclusion in the DRC: A Case Study Room Galana
This session will focus on the central question: how does a traditional service provider digitalize while maintaining its commitment to a double bottom-line? FINCA Impact Finance is leveraging digital technologies to foster financial inclusion by offering innovative, responsible, and impactful digital financial services to low-income clients. With this mandate, FINCA DRC has successfully embarked on a digital transformation journey to overhaul their traditional business with the aim of profitably and responsibly providing appropriate digital financial services while staying in touch with their customers’ needs. This session will lay out the steps and decision points in a typical digital journey, highlighting examples of successes and failures along the way. Participants will be encouraged to consider their distinct value (e.g. “touch” role) and how they can best compete (e.g. partnerships). Speakers: Mamie Kalonda Kapenga, CEO, FINCA DRC; Kathryn Grace, Founding Partner and Director at GLU Global (Pty) Ltd (South Africa)
Workshop 2: Getting Data Privacy Right for Digital Financial Services Room Chania
With the spread of mobile technology, financial service providers have access to customer generated data that allows them to create tailored products to better serve low-income clients. Yet, the collection and use of personal data opens consumers to risks and the potential loss of privacy. How can the financial inclusion industry balance these risks and benefits? Do customers understand what they consent to and the value of the data they are providing? Are those data appropriately handled, used in ways that maximize benefits to clients, and managed to protect user privacy? Do financial service providers have the resources they need to ensure these protections? In this workshop, we will discuss the appropriate balance for responsible data use as well as the tools to help financial service providers understand the policies and practices that they need to get data privacy right. Moderator: Elisabeth Rhyne, Managing Director, Center for Financial Inclusion at Accion (United States) Speakers: Wayne Hennessy-Barrett, CEO, 4G Capital (Kenya); Coryell Stout, Portfolio Engagement Manager, Accion Venture Lab (United States)
Inclusive Digital Future: A Summit on Responsible Finance in Action 10
Workshop 3: Using Technology to Amplify the Client Voice in Regulation Room Nzoia
The industry has only begun to scratch the surface when it comes to the potential of how data analytics can inform policymaking and financial system supervision. This session will highlight future-facing solutions for regulators, policymakers, and others who want to use technology to understand the customer experience. Technology promises to increase access to customer insights by providing channels for digital feedback, and by allowing regulators and others to analyze the tremendous wealth of customer information that is available in digital form. This workshop will leverage two discrete efforts: Bangko Sentral ng Pilipinas (BSP) has piloted a customer complaints system that relies on mobile and popular communications platforms to accept, filter, and respond to customer complaints. BSP is using predictive analytics and trend recognition to paint a picture of the state of consumer protection in the country’s financial system. FSD Kenya is harnessing technology to dig deep into the state of consumer protection for digital financial services in the region. FSDK has used artificial intelligence text analytics to analyze customer feedback (complaints, praise, queries) on social media and has audited hundreds of financial apps, looking for scams, non-transparency, data privacy and protection issues, and other customer protection risks. Moderator: Allan Sicat, Executive Director, Microfinance Council of the Philippines Speakers: Pia Roman-Tayag, Head, Inclusive Finance Advocacy, Bangko Sentral ng Pilipinas; Francis Gwer, Project Manager, FSD Kenya
Workshop 4: Joining the Digital Revolution without Losing Your Way Room Sabaki
This workshop will discuss how the responsible use of technology can enable financial inclusion. A support organization (ADA), a direct service provider (UFC Rwanda) and a fintech (HPS Worldwide) will discuss their successes and failures with regard to bringing customer-centric services to market and forming partnerships. Speakers and participants will discuss the digital divide--inequality created by digital financial services--and how providers and other stakeholders can extend services to people at risk of being left behind as financial services are digitized. Moderator: Arnaud De Lavalette, Sr. Project Manager, ADA (Luxembourg) Panelists: Jules Ndahayo, Managing Director, Umutanguha Finance Company Rwanda; Mohamed Asri Director of Microfinance, HPS Worldwide (Morocco)
11
Inclusive Digital Future: A Summit on Responsible Finance in Action
Summit Agenda Wednesday, June 26 Day Two (cont’d)
15:45–16:15 Networking Session & Refreshments
Plenary 3: The Next “Last Mile:” Envisioning the Next Wave of Inclusion Time:
16:15–17:15 Room: Tana Ballroom
Digital financial services hold so much promise but we cannot get complacent in our pursuit of universal inclusion! We must keep asking: Who is still on the outside, looking in? And what are we doing about it? Regardless of the rhetoric, most digital service providers are still focused on access for easier-to-reach people in urban markets. The “last mile” is the most difficult and expensive one, and will always require more innovation and concentrated effort. This session will examine global data on inclusion/exclusion, to understand current coverage gaps by geography, customer characteristic, and other distinguishing factors. We will also discuss pioneering solutions, including important efforts reach customers who are typically outside most digital providers’ target markets, most notably women and girls, refugees and internally displaced people, and people with disabilities. Moderator: Antonique Koning, Senior Financial Sector Specialist, CGAP (Belgium) Speakers: Elisabeth Rhyne, Managing Director, Center for Financial Inclusion at Accion (United States); Natalie Domond, Sr. Manager, USAID W-GDP WomenConnect Challenge (United States); Executive from Equity Bank (Kenya) Closing remarks: Laura Foose, Executive Director, SPTF
Cocktail Reception: Celebrating 10 Years of the Smart Campaign Time:
17:30–19:00
All participants are invited to a cocktail reception celebrating the Smart Campaign’s 10th Anniversary! Complimentary beverages and hors d’oeuvres will be served.
Room Thwake Annex
Inclusive Digital Future: A Summit on Responsible Finance in Action 12
Summit Agenda Thursday, June 27 Day Three Field Visits Time:
All Day Room Crown Plaza Lobby
Please see the registration desk for more information on your field visit selection. If you did not register for a field visit in advance of the Summit, please check with the registration desk regarding availability.
Smart Campaign Steering Committee Meeting Time:
9:00–17:00 Room Likii
The Smart Campaign Steering Committee is comprised of leaders in responsible financial inclusion and consumer protection from diverse regions and institutions. The Campaign looks to the Steering Committee for strategic advice regarding future efforts of the Campaign. Closed meeting—invited participants only.
13 Inclusive Digital Future: A Summit on Responsible Finance in Action
2019 INCLUSIVE DIGITAL FUTURE SUMMIT List of Participants
Inclusive Digital Future: A Summit on Responsible Finance in Action 14
Financial Service Provider Institution
Participant
Region
ASA Kenya ASA Kenya ASHRAI ASKI Group of Companies ASKI Group of Companies Atmabiswas BASIX Sub-K iTransactions Ltd. BASIX Sub-K iTransactions Ltd. BRAC BRAC BRAC BRAC CARD MRI CARD MRI CARD MRI CARD MRI CARD MRI Centenary Bank Centre for Development Innovation and Practices (CDIP) Centre for Development Innovation and Practices (CDIP) Easy Microfinance ECLOF Kenya Limited ECLOF Philippines Microfinance, Inc. FINCA DRC SA Fundación Génesis Empresarial Fundación Génesis Empresarial GES-CI Goshen Finance PLC Grooming Centre HASAL Micro-finance Bank Limited IBAG Jamuna Bank Limited Kabuhayan sa Ganap na Kasarinlan Credit and Savings Cooperative Maha Agriculture Microfinance Microbanco Confiança,SA Musoni Microfinance Musoni Microfinance Musoni Microfinance Negros Women for Tomorrow Foundation Inc. Negros Women for Tomorrow Foundation Inc. Negros Women for Tomorrow Foundation Inc. Negros Women for Tomorrow Foundation Inc. Negros Women for Tomorrow Foundation Inc. Negros Women for Tomorrow Foundation Inc. Opportunity Bank Opportunity International Savings and Loans Limited Palestine for Credit and Development - FATEN Partner Microcredit Foundation Partner Microcredit Foundation PIDIM Foundation PIDIM Foundation Première Agence de Microfinance - Microfinance à Madagascar Projet d’Appui au Développement de la Microfinance Rurale Shishu Niloy Foundation (SNF) Shishu Niloy Foundation (SNF) The Lebanese Association for Development- Al Majmoua Thrive Microfinance TMSS TMSS TMSS TMSS UFC- Umutanguha Finance Uttara Development Program Society (UDPS) Visionfund Kenya Visionfund Kenya
Edwin Kibet Kipchoge Mohammad Mishu Mahmud M A Yousuf Khan Rachel Magat Bulawit Anna Liza Legaspi Engracia Mohammed Akramul Haque Biswas Hemanta Kumar Banerjee Swati Mohanty Md. Farista Andalib Khandaker Shaoli Hassan Md. Mostofa Mozahad Uddin Kazi Mohammad Atiqul Alam Glenda Calayan Castronuevo Juliana Bacay De Leon Dennis Olarte Dimaculangan Evelyn Marteja Narvaez Melany Grecia Viajante Simon Senyonga Deep Kumar Roy Moulick A K M Shamsur Rahman Frank Snieders Raphael Otieno Onyango Jhoana Marie Isaac Meneses Mamie Kalonda Kapenga Carlos Jose Cintron Palma Edgardo Perez Preciado Elodie Ama Koffi Gertrude Munyana Chijioke Thaddeus Onuoha Ruskiyat Titilola Badmus Mohamed Mahdy Hamed Md Mamtaz Uddin Chowdhury Dexter Virtudazo Flores
Sub-Saharan Africa Sub-Saharan Africa South and Southeast Asia South and Southeast Asia South and Southeast Asia South and Southeast Asia Europe and Central Asia Europe and Central Asia South and Southeast Asia South and Southeast Asia South and Southeast Asia South and Southeast Asia South and Southeast Asia South and Southeast Asia South and Southeast Asia South and Southeast Asia South and Southeast Asia Sub-Saharan Africa South and Southeast Asia South and Southeast Asia South and Southeast Asia Sub-Saharan Africa South and Southeast Asia Sub-Saharan Africa Latin America & the Caribbean Latin America & the Caribbean Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Middle East & North Africa South and Southeast Asia South and Southeast Asia
Pallavi Hariharan Bernardo Luís Tembe Mercy Adero Stanley Munyao Juliet Ongwae Irma Madonna G Echaus Shiela Hebrado Guanzon Anne Marie Gaston Jison Gilbert Stephan Sajo Maramba Elma C Pabuaya Maide Pido Margaret Namazzi Vivian Akofa Selase Mottey ** Yazan Haitham Mozzoq Almir Jahic Senad Sinanovic Advin Barun Banerjee Quazi Towfiqul Islam Mamitiana Ignace Randrianarivony
South and Southeast Asia Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa South and Southeast Asia South and Southeast Asia South and Southeast Asia South and Southeast Asia South and Southeast Asia South and Southeast Asia Sub-Saharan Africa Sub-Saharan Africa Middle East & North Africa Europe and Central Asia Europe and Central Asia South and Southeast Asia South and Southeast Asia Sub-Saharan Africa
Nathalie Epupa Naliangi Mohammad Jahangir Alam Nasima Begum Lina Hammouda Brian Nyabadza Mohammad Ali Md Razaul Karim Md Sohrab Ali Khan Md Zahadur Rahman Jules Theoneste Ndahayo AFM Akhter Uddin Charity Muthoni Mati Philip Ochola
Sub-Saharan Africa South and Southeast Asia South and Southeast Asia Middle East & North Africa Sub-Saharan Africa South and Southeast Asia South and Southeast Asia South and Southeast Asia South and Southeast Asia Sub-Saharan Africa South and Southeast Asia Sub-Saharan Africa Sub-Saharan Africa
*Smart Campaign Steering Committee Member **SPTF Board Member
15 Inclusive Digital Future: A Summit on Responsible Finance in Action
Fintech Provider Institution
Participant
Region
4G Capital 4G Capital Agri-wallet Alternative Circle Apollo Agriculture Dodore Kenya Limited Dodore Kenya Limited - Agri-wallet First Access ftcash Funds and Electronic Transfer Solutions (FETS) HPS JUMO JUMO JUMO JUMO JUMO LendStreet mfarmpay Inc. Mosabi SATIS FINTECH Simply Group Uganda Suricate Solutions
Genevieve Hennessy-Barrett Wayne Gerome Philip Hennessy-Barrett * Simon De Hoogh Kevin Mutuku Mutiso Lucy Triedman Faith Mulwa Vyone Ming’ate Nyamoita Ming’ate Nicole Van Der Tuin Vaibhav Lodha Olutimi Peters Ayeni Mohamed Asri Buhle Goslar Kate Kampen Tumelo Muyangwa Max Kleynhans Riyaadh Hanslo Jerry Nemorin * Solomon Elorm Allavi Chris Czerwonka Patrick Djondo Gad Agaba Jean-Louis Perrier
Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa North America Europe and Central Asia Sub-Saharan Africa Middle East & North Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa North America Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Europe and Central Asia
Institution
Participant
Region
Accion Venture Lab ADA AGRA Agricultural Business Initiative Finance (aBi Finance) AlphaMundi Group AlphaMundi Group Alterfin Alterfin Asian Development Bank CGAP Community Investment Management European Investment Bank European Investment Bank European Investment Bank European Investment Bank FMO Global Partnerships Grameen Credit Agricole Foundation Grameen Credit Agricole Foundation Incofin Investment Management Kiva Nordic Microfinance Initiative AS Oikocredit East Africa Oikocredit International Rabo Foundation Rabo Foundation SDC SIDI SIDI SIMA Funds Triple Jump United Nations Capital Development Fund (UNCDF) United Nations Capital Development Fund (UNCDF) UNCDF / DaNa Facility Whole Planet Foundation
Coryell Stout Olivia Fechner Hedwig Siewertsen Annette Nantumbwe Dianah Irungu Judith Santbergen Njeri Muita Michael K Musau Kelly Hattel * Antonique Koning Michael Hokenson Catherine Collin Myriam Djari Faith Njoroge Nicholas Nzioka Jeroen Harteveld KJ Zunigha Violette Cubier Gabrielle Ferhat Loic De Canniere * David Kitusa Nzioka Godfrey Kelvin Kanyiri Kaindoh Elikanah Kiarie Ng’ang’a Ging Ledesma Sonali Ruparelia Titus Osewe Hans Ramm ** Philippe Massebiau Julie Torres-Szantyr Asad Mahmood * Arnav Kapur Paul Luchtenburg ** William Naing Anthony Githiari Zoe So
North America Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa South and Southeast Asia Europe and Central Asia North America Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Europe and Central Asia North America Europe and Central Asia Europe and Central Asia Europe and Central Asia Sub-Saharan Africa Europe and Central Asia Sub-Saharan Africa Europe and Central Asia Sub-Saharan Africa Sub-Saharan Africa Europe and Central Asia Europe and Central Asia Europe and Central Asia North America Europe and Central Asia South and Southeast Asia South and Southeast Asia South and Southeast Asia Sub-Saharan Africa
Investor/ Donor/ Foundation
*Smart Campaign Steering Committee Member **SPTF Board Member
Inclusive Digital Future: A Summit on Responsible Finance in Action 16
Association or Network - International/ Regional/ National Institution
Participant
Region
Alliance for Financial Inclusion APSFD-Côte d’Ivoire Association of Microfinance Institutions in Rwanda (AMIR) Association of Microfinance Institutions of Uganda (AMFIU) Association of Microfinance Institutions of Uganda (AMFIU) Credit and Development Forum (CDF) Dominica Co-operative Societies League Ltd. East African Microfinance Network (EAMFINET) International Credit Union Regulators Network Microfinance Council of the Philippines, Inc. (MCPI) Microfinance Council of the Philippines, Inc. (MCPI) NpM, Platform for Inclusive Finance NpM, Platform for Inclusive Finance Pakistan Microfinance Network (PMN) Reseau des Institutions de Microfiance du Burundi RESULTS SEEP Tanzania Association of Microfinance Institutions
James Ivan Ssettimba Arsène Appiah Koffi Aimable Nkuranga Jacqueline Mbabazi Robert Ntalaka Mohammad Abdul Awal Phoenix Belfield Joel George Mwakitalu Dave Grace * Jose Victor Espeno Lobrigo Allan Robert Sicat ** Mrinal Verma Catalina Von Hildebrand Ahmed Syed Mohsin * KAMIKAZI Marie Louise Larry R Reed * Straton Habyalimana Winnie Edward Terry
Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa South and Southeast Asia Latin America & the Caribbean Sub-Saharan Africa North America South and Southeast Asia South and Southeast Asia Europe and Central Asia Europe and Central Asia Middle East & North Africa Sub-Saharan Africa North America Sub-Saharan Africa Sub-Saharan Africa
Institution
Participant
Region
ACCESS ASSIST ACCESS Development Services ADA ADA Advans AGRA Ambala Foundation Bangla-German Sampreeti BRAC International BRAC International CRS Cyber Readiness Institute Daridra Bimochon Shangstha (DBS) DESHA Shechsashebi Artho-Samajik Unnayan O Manobic Kallyan Sangstha DESHA Shechsashebi Artho-Samajik Unnayan O Manobic Kallyan Sangstha DESHA Shechsashebi Artho-Samajik Unnayan O Manobic Kallyan Sangstha DESHA Shechsashebi Artho-Samajik Unnayan O Manobic Kallyan Sangstha Development Initiative for Social Advancement (DISA) Development Initiative for Social Advancement (DISA) Dushtha Shasthya Kendra Faridpur Development Agency (FDA) Gana Unnayan Kendra (GUK) GLAS, Accion GSMA Habiganj Unnayan Sangstha ICCO Cooperation Opportunity International Padakhep Manabik Unnayan Kendra Padakhep Manabik Unnayan Kendra Padakhep Manabik Unnayan Kendra Padakhep Manabik Unnayan Kendra Palli Mogal Karmosuchi (PMK) Palli Mongal Karmosuchi (PMK) Prism Bangladesh Foundation Prism Bangladesh Foundation Programme For Community Development (PCD) SAJIDA Foundation SAJIDA Foundation Accion Accion
Keerti Bhandary Vipin Sharma * Elodie Renard Frédéric Ruaz Ekaterina Diakonova Reuben Gitau Gicheha Arif Sikder Md Jahurul Islam Upoma Antara Husain Mercy Wambui Wachira Tom Shaw ** Jennifer Brant Md Abu Jafor Mohammad Mehedi Hasan
Europe and Central Asia Europe and Central Asia Europe and Central Asia Europe and Central Asia Europe and Central Asia Sub-Saharan Africa South and Southeast Asia South and Southeast Asia South and Southeast Asia Sub-Saharan Africa North America North America South and Southeast Asia South and Southeast Asia
Mohammad Robiul Islam
South and Southeast Asia
Mohammad Zahirul Islam
South and Southeast Asia
Nazmus Saleheen
South and Southeast Asia
Salima Naznin Bithi Md Shahid Ullah Md Shamsul Alam Mohammad Azharul Islam M Abdus Salam Raliat Sunmonu William Derban * Mohammad Shaheen Helene Margaretha Van der Roest Nicole Wong Iqbal Ahammed Anowara Sharmeen A B M Siddique Md Saleh Bin Sums Sha Jaman Khan Kamrun Nahar Mohammad Golam Farook Khondkar Anisur Rahman Md Shafiqul Alam Tajwar Hoque Monerul Islam Khan Iain Sharad Brougham Lynne Curran
South and Southeast Asia South and Southeast Asia South and Southeast Asia South and Southeast Asia South and Southeast Asia Sub-Saharan Africa Europe and Central Asia South and Southeast Asia Sub-Saharan Africa Europe and Central Asia South and Southeast Asia South and Southeast Asia South and Southeast Asia South and Southeast Asia South and Southeast Asia South and Southeast Asia South and Southeast Asia South and Southeast Asia South and Southeast Asia South and Southeast Asia South and Southeast Asia Europe and Central Asia North America
Support Organization
*Smart Campaign Steering Committee Member **SPTF Board Member
17 Inclusive Digital Future: A Summit on Responsible Finance in Action
Support Organization (cont’d) Institution
Participant
Region
Center For Financial Inclusion at Accion Center For Financial Inclusion at Accion Socio Economic Health Education Organization (SEHEO) YPSA (Young Power in Social Action)
Deborah Drake Elisabeth Rhyne * Mohammad Samsul Alam Md Manzur Murshed Chowdhury
North America North America South and Southeast Asia South and Southeast Asia
Institution
Participant
Region
CERISE CERISE M-CRIL MFR
Célia Amélie Fernandez Cécile Lapenu ** Sudhir Narayan Ben Wallingford
Europe and Central Asia Europe and Central Asia Europe and Central Asia Sub-Saharan Africa
Institution
Participant
Region
Bangko Sentral ng Pilipinas Bank of Ghana Bank of Ghana Bank of Ghana Bank of Uganda Bank of Uganda Bank of Uganda BCEAO BCEAO Capital Markets Authority Central Bank of Nigeria Central Bank of Nigeria Reserve Bank of Zimbabwe Superintendence of Banks, Insurance Comp. and Pvt Pension Funds (SBS) of Peru Uganda Microfinance Regulatory Authority (UMRA)
Pia Bernadette Roman Tayag Joseph France Franklin Mensah Adeline Aafo Ocran Kenneth Egesa Charles Lwanga Emuron Grace Ssentongo Patrick Oumar Bamba Fatou Dieng Gueye Wyckliffe Muchesia Shamiah Joseph Attah Sirajuddin Kofo Salam-Alada Regiment Chizondo Gwete Jamile Magaly Vallés Espinoza
South and Southeast Asia Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Latin America & the Caribbean
Edith Namugga Tusuubira
Sub-Saharan Africa
Rating or Auditing Agency
Government/ Regulator
Technical Assistance Provider/ Consultant/ Other Institution
Participant
Region
Achieve Consulting Group Alethiom Amarante Consulting BFA BFA BR Consult BSD Consutling Busara Center for Behavioral Economics Creditinfo FSD Kenya FSD Africa Financial Access FrontlineSMS GLU Global Independent Consultant Independent Consultant Independent Consultant Independent Consultant Independent Consultant Independent Consultant Independent Consultant Independent Consultant KukuzaCon Makerere University Business School/Simply Group Ltd MSC (MicroSave Consulting)
Oricel Caminero Duncan Goldie-Scot Sahana Arun Kumar Maelis Carraro Michelle Hassan Rose Njeri Mwaniki Felipe Arango * Kim Kariuki Kamau Kunyiha Francis Gwer Andrew Kabucho Mwangi * Veerle Haagh Gladys Wambugu Kathryn Grace Kinfemichel Yibkaw Abraha Aïda Gueye Jami S Hubbard * Lalaine Marasigan Joyas Danny Jacob Mpogole Olive Mukankwaya Juana Marcela Ramirez Angela Wambugu Ingrid Smit Fred IGA Luganda Evelyne Matibe
Latin America & the Caribbean Sub-Saharan Africa Middle East & North Africa Europe and Central Asia Sub-Saharan Africa Sub-Saharan Africa North America Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Europe and Central Asia Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Europe and Central Asia North America South and Southeast Asia Sub-Saharan Africa Sub-Saharan Africa Europe and Central Asia Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa Sub-Saharan Africa *Smart Campaign Steering Committee Member **SPTF Board Member
Inclusive Digital Future: A Summit on Responsible Finance in Action 18
Technical Assistance Provider/ Consultant/ Other (cont’d) Institution
Participant
Region
MSC (MicroSave Consulting) MSC (MicroSave Consulting) Social Performance Solutions
Edward Obiko Anup Singh Anton Simanowitz
Sub-Saharan Africa Sub-Saharan Africa Europe and Central Asia
Institution
Participant
Region
Smart Campaign, Center For Financial Inclusion at Accion Smart Campaign, Center For Financial Inclusion at Accion Smart Campaign, Center For Financial Inclusion at Accion Smart Campaign, Center For Financial Inclusion at Accion Smart Campaign, Center For Financial Inclusion at Accion Smart Campaign, Center For Financial Inclusion at Accion Smart Campaign, Center For Financial Inclusion at Accion Smart Campaign, Center For Financial Inclusion at Accion Smart Campaign, Center For Financial Inclusion at Accion Smart Campaign, Center For Financial Inclusion at Accion SPTF-Promoting Standards and Practices for Responsible Inclusive Finance SPTF-Promoting Standards and Practices for Responsible Inclusive Finance SPTF-Promoting Standards and Practices for Responsible Inclusive Finance SPTF-Promoting Standards and Practices for Responsible Inclusive Finance SPTF-Promoting Standards and Practices for Responsible Inclusive Finance SPTF-Promoting Standards and Practices for Responsible Inclusive Finance SPTF-Promoting Standards and Practices for Responsible Inclusive Finance SPTF-Promoting Standards and Practices for Responsible Inclusive Finance SPTF-Promoting Standards and Practices for Responsible Inclusive Finance
Hema Sharad Bansal Isabelle Barres ** Boubacar Diallo Tanwi Kumari Ana Ruth Medina Malacci Ohrt Alexandra K Rizzi Sarah Samuels Laura Schroeder Alexandra Taylor Henry Bechok
Europe and Central Asia North America Sub-Saharan Africa Europe and Central Asia Europe and Central Asia North America Europe and Central Asia North America North America North America North America
Laura Foose
North America
Cara Forster
North America
Michele Giroux
North America
Amelia Greenberg
North America
Jurgen Hammer
Europe and Central Asia
Katie Hoffmann
North America
Diana Summerlin
North America
Leah Wardle
North America
Meeting Staff/Organizer
*Smart Campaign Steering Committee Member **SPTF Board Member
19 Inclusive Digital Future: A Summit on Responsible Finance in Action
Keeping clients first in financial inclusion
The Smart Campaign works globally to create an environment in which financial services are delivered safely and responsibly to low-income clients. As the world’s first financial consumer protection standard, the Campaign maintains a rigorous certification program, elevates the client voice, and convenes partners to effect change at the national level. Nearly 100 financial institutions, collectively serving more than 41 million people, have been certified for adhering to the Campaign’s consumer protection standards. www.smartcampaign.org @SmartCampaign_
The SPTF is a non-profit membership organization with more than 3,000 members from all over the world. Our members come from every stakeholder group in inclusive finance. SPTF engages with these stakeholders to develop and promote standards and good practices for social performance management (SPM), in an effort to make financial services safer and more beneficial for clients. www.sptf.info @SPTaskForce