Digital Financial Services and Economic Empowerment of Women
ADA Lovelace Software Private Limited.
Session 500
Digital Transformation in Financial Services-On the Cusp, AI and ML are Prominent.
Digital Financial Services (DFS) are financial services like payments, remittances, savings, and credits through digital channels including mobile devices and debit cards. DFS transactions are distinct from cash transactions. Digital Financial Services requires formal accounts associated with individuals whose unique identity has been authenticated.
A woman is economically empowered when she has access to skills, resources, and institutions necessary to participate in financial markets effectively.
Digital transformation (DT) is the key to financial services' advancement. Digitization renders formal finance accessible to many of those women who remain unbanked and boosts the economic empowerment of women within their households and local economies.
1994 Bill Gates said, "Banking is necessary, banks are not.” Twenty years later, time has proved him right. Digital Payments, Cashless societies, and remote ATMs are on the cusp of digital Transformation. New Technologies promise banking better, easier, and more innovative.
Artificial Intelligence (AI) and Machine Learning (ML) are two biggest trends shaping the banking sector, making up a core component of financial services in Digital Strategy.

He is the Director of ADA Lovelace Software Private Limited, Proven and Prospective company at Software Technological Park of India( STPI), Bangalore. He has organized workshop at WSIS forum March-2023 and also Exhibited Innovative Products and Solutions at Geneva Switzerland. He is an Artificial Intelligence Researcher, Global connector, thought leader, Academician and Business Acumen with great experience in Software Product Engineering. He is a Vice Chairman- Capacity Building and Education- Multistakeholder Alliance on Information Communication Technology (ICTs) - Geneva, Switzerland.
He was a Election candidate for World Bank Civil Society Policy forum Elections-2022 from South Asia. He was Invited and actively participated in the 2021, 2022 and recently 2023 Spring and Annual Meetings of the World Bank Group and IMF, Washington DC. He mentored Women in Cyber Security- 2022 for small island counties, Land locked countries and Least Development countries.

Dr. Nina Linde is a Director at the Department of Economics, Latvian Academy of Science, Riga, Latvia (Europe). She is one of the Europe's most renowned Economist and leading researcher at the Latvian Academy of Science. She was a Scientific Adviser to the Ministry of Education, Government of Latvia (Europe).
She also pioneered at the Ministry of Regional Development and Local Government, Adviser to the State Secretary, Director of the Regional Policy Department. She was the Vice-Rector for Science, Riga Graduate School of Pedagogy and Education Management. She is a top strategist and recently Hongkong based Dr Ashley’s Limited Infuses her as an Advisory Board.
She holds bachelor’s degree in Engineering from Riga Technical University, Latvia (Europe). Masters from Riga Business School- economics and business management, she also holds a Doctoral degree from University of Latvia. She plays a pivotal role in organizing the "Annual International Economic Forum" in Riga, at the Latvian Academy of Sciences.

Dr. Ganesh D B Currently working as a Principal and Director at Jain Institute of Technology, Davanagere. He Completed his Bachelor degree in Mechanical Engineering and Masters Degree from prestigious National Institute of Technology(NITK), Surathkal and Ph.D from Visvesvaraya Technological University, Belgaum.
He is very much interested in Artificial Intelligence(AI) driven Robotic Process Automated Systems. He has worked and completed Funded Projects sponsored by state and National Scientific bodies, which has a greater impact on the progress of the Institution. He pioneered Modernization in Digital Payment systems for students, girls and women at Institutional level. He also took keen interest in celebrating Women's day every year in the institution, there by treating men and women are equal at Work Place and supporting empowerment of Women. Under his dynamic leadership, Jain Institute of Technology, Davanagere achieved Accreditation and recognition.

She has written extensively on Inclusion, Equality and Cultural rootedness. She is also passionate about Art, Literature and Cultural discourses. Recently she Participated in Bengaluru Tech Summit- 2022, India’s flagship tech event and Asia's largest Tech summit.
In her role as Journalist, she has interviewed many eminent personalities from a cross-section of society. As an editor of Journals and Magazines she is committed to offer high quality content to inform, entertain, build awareness and most importantly to spark a critical temper that may lead to progressive, sustainable thought and action. She holds her Master’s degree in English Literature from Bangalore University. She also has Specialization in Gender Studies, Common wealth Literature and Literature in Regional Languages.

Shira is a Program Manager at enpact e.V., leading the organization of Berlin Landing Pad, to empower innovative and impact-driven startups in Asia, Africa, and LATAM to enter the European market via Berlin and connect startups with key stakeholders in the ecosystems.
Shira has 9+ years of professional experience in B2B and G2G project management, program management, and community management in Japan, Indonesia, and Germany. She has a master's degree in International Affairs from the Hertie School of Governance, focusing on Security and Sustainability, where her main focus was international development and conflict resolution. Prior to her career in Europe and the international development field, Shira worked in the manufacturing industry for a major automotive company in Japan for global business. She is passionate about bridging Asia-Pacific (APAC) & Europe, building meaningful collaboration that creates social impact, and making the world better.

She is an AI researcher, public Speaker, who is passionate for learning new things. She has written and published book on Artificial Intelligence. She holds Master's degree in Computer Science and Engineering, having extensive experience in training, mentoring and handling various government-funded capacity building projects in Electronics and Communications Technology (IECT) area. she has held various technical appointments across India in different government organizations under IT Ministry. Being a member of AFWWA, she has contributed in various ways to support the welfare and well-being of wives of soldiers in Indian Air Force.
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C1. The role of governments and all stakeholders in the promotion of ICTs for development
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C3. Access to information and knowledge
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C4. Capacity building
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C7. ICT applications: benefits in all aspects of life — E-government
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C7. ICT applications: benefits in all aspects of life — E-learning
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Goal 3: Ensure healthy lives and promote well-being for all
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Goal 4: Ensure inclusive and equitable quality education and promote lifelong learning opportunities for all
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Goal 5: Achieve gender equality and empower all women and girls
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Goal 8: Promote inclusive and sustainable economic growth, employment and decent work for all
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Goal 16: Promote just, peaceful and inclusive societies