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09.30 – 11.00 |
SESSION 1: DIGITAL FINANCIAL SERVICES: THE STATE OF PLAY
Ensuring full digital financial inclusion is of utmost importance in a digital world where more people have a mobile phone than a bank account. Reducing not only the digital divide but also the financial/banking divide will contribute to alleviating poverty by empowering the population at the base of the pyramid and ultimately foster social growth.
Different digital and mobile banking models have been developed, following different regulatory and policy approaches leading to various experiences and degrees of successes. Learning from these experiences, the regulatory frameworks in place, the co-existence and interconnection of the banking and ICT ecosystem, the various roles of financial and ICT regulators and the views of the market players will help shape the discussions on means to achieve digital financial inclusion.
Panelists will share their views, experience and success stories on topics such as:
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Definition of digital financial inclusion. How can digital financial services contribute to poverty alleviation? Where do we stand today?
What are the pathways to digital financial services? What kinds of digital financial services are available for end users, SMEs? Adoption/usage of electronic payments, micro-credits and loans, savings, insurance, digital remittances, etc.
Overview of the existing digital transactions models and payment platforms, mobile money strategies, emerging business models and innovative technologies in use
What regulation is needed to support effectively the bank-led and non-bank-led (operator and third party) models and interaction? What is the interplay between both regulatory frameworks? Does existing regulation cover new digital finance service providers?
What is in charge of regulating? What role do key stakeholders play, in particular financial and ICT regulators?
Moderator:
Dr Amr Badawi, Board Member, National Telecommunications Regulatory Authority, Egypt
Panelists:
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Mr Ram Sewak Sharma, Chairman, Telecom Regulatory Authority of India
- Mr Lila H. Mkila, Deputy Governor, Bank of Tanzania
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Mr Khalid Elgibali, President for Middle East and North Africa, MasterCard
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Mr Thierry Millet, Senior Vice President for Orange Money, Mobile Payments and Contactless, Orange |
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11.15 – 12.45 |
SESSION 2: PROSPECTS AND CHALLENGES: SETTING IT RIGHT
Panelists will share their experiences and views on the major challenges and risks currently preventing the digital financial ecosystem from developing into a competitive and innovative way to effectively reach the poor. In an environment where banking and telecom/ICT regulations co-exist and intersect, how to ensure consistency, coordination, avoid overlaps and mitigate risks? -
Technical gaps: reliability and security of networks, interoperability of platforms, enabled devices, standards setting to ensure security of transactions, authentication of users, etc
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Businesses and commercial gaps: sustainability, return on investment, online payment platforms, taxation, advances in digital payments risk mitigation (fraud), interplay of existing and new actors in a broaden digital financial services value chain
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Regulatory gaps: ensuring a level playing field, how to prevent de facto monopoly position of dominant service providers, number and data portability, interoperability, quality of service, universal access (gender inclusive), consumer protection (privacy and data protection, prevent misuse, recourse mechanisms) regional and international harmonization of regulation, etc.
Moderator:
Ms Carol Coye Benson, Managing Partner, Glenbrook Partners
Panelists:
- Dr Shahjahan Mahmood, Chairman, Bangladesh Regulatory Telecommunication Commission
- Mr Ahmed A. Faragallah, Head of Payment Systems Department, Central Bank of Egypt
- Dr Shahadat Khan, Chief Executive Officer, SureCash
- Mr Tomas Lamanauskas, Director Public Policy, VimpelCom
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Mr Rory Macmillan, Founding Partner, Macmillan Keck |
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14.00 – 15.15 |
SESSION 3: SHAPING COLLABORATIVE APPROACHES TO PROMOTE DIGITAL FINANCIAL SERVICES
This interactive panel will examine the respective roles and responsabilities of teh financial and ICT regulators and market players involved, discuss how to build synergies and identify collaborative approaches to address existing challenges, promote and enable digital financial inclusion to turn today's challenges into tomorrow's digital financial opportunities for all.
Moderator:
Dr
Dražen Lučić, President of the Council, Croatian Regulatory Authority for Network Industries
Panelists:
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Dr Nagwa El Shenawi, Undersecretary for Information and Decision Support, Ministry of Communication and Information Technology, Egypt
- Mr Sunil Sirisena, Director General, Telecommunications Regulatory Commission, Sri Lanka
- Dr Moekti Prasetiani Soejachmoen, Institute Head, Mandiri Institute
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Mr Tunmbi Idowu, Head of Compliance and Risk Control, Ericsson
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