RFF 2026
November 12 – 15 | Singapore
Balancing Innovation and Impact: Advancing Financial Health in the Age of AI and Digital Innovation
Welcome to RFF 2026
Innovation in finance, driven by technology, holds enormous promise and is largely driven by the private sector. But without strong safeguards, it can also cause consumer harm and erode consumer trust. Escalating frauds and scams, rising levels of over-indebtedness, and opaque uses of AI are increasingly shaping people’s financial health and impacting their trust and resilience.
This year, the Responsible Finance Forum will convene leaders from the private sector, alongside regulators and policymakers, to explore how responsible finance can deliver better consumer outcomes in this complex risk environment.
Discussions will highlight how financial institutions and fintechs have expanded beyond compliance to actively prevent harm, use AI responsibly, and support responsible borrowing; and engage with leading regulators and supervisors who have created an enabling environment for innovation without sacrificing consumer protection, using policy tools, data, and oversight approaches. Above all, our discussions will focus on the power of coordinated action: what needs to be done to translate technological progress in the design and delivery of financial services to lasting financial health for individuals and households.
We look forward to welcoming you.
Agenda
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13:00 | Registration Opens
18:00-21:00 | Welcome Dinner
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8:30-8:45 | MC Welcome
Speakers:
Payal Dalal
Ahmed Dermish
8:45-9:00 | Welcome Remarks
Speakers:
Nataša Goronja
9:00-9:30 | Setting the Stage
Speakers
Michael Schlein
H.E. Fatma Al Jabri
9:30-10:00 | Emerging Issues and Opportunities for Responsible Finance in the Face of a Changing Capital Landscape
The funding landscape for inclusive finance is undergoing significant change. Development finance and philanthropic capital are under increasing pressure, investor priorities are shifting, and new technologies are transforming how financial services are designed and delivered. As traditional sources of funding evolve, the sector must identify new pathways to mobilize capital while ensuring innovation advances financial inclusion and financial health.
This panel brings together philanthropic donors and impact investors to examine how the capital stack is changing and what it will take to sustain investment in inclusive finance and consumer protection measures.
Panelists will discuss the implications of declining fund flows, the evolving roles of philanthropy and private capital, and how AI and digital innovation are creating new investment opportunities, as well as new risks. The conversation will explore how different forms of capital can work together to catalyze innovation, strengthen market resilience, and ensure that responsible finance continues to deliver meaningful impact for vulnerable consumers.
Moderator:
John Fischer
Speakers:
Ganesh Rengaswamy
Hien Vo
Sandy Fernandez
10:00-10:30 | Emerging Issues and Opportunities in the Enabling/Regulatory Environment for Responsible Finance
The enabling and regulatory environment for responsible finance is evolving rapidly, creating both new challenges and significant opportunities for financial institutions, policymakers, investors, and consumers. This session will explore emerging regulatory trends, policy innovations, market expectations, and supervisory approaches shaping responsible finance. It will consider the enabling environment while addressing potential barriers such as regulatory fragmentation, compliance costs, and unintended impacts on access to finance. The discussion will highlight opportunities to strengthen enabling environments and align regulation, market incentives, and responsible finance practices to support more inclusive, resilient, and sustainable financial systems.
Moderator:
Pavle Avramović
Speaker:
Ashley Olson-Onyango
Paul Adams
10:30-11:00 | Coffee Break and Networking
11:00-12:15 | Impact of Fraud and Scams on Financial Health
11:00-11:20 | Panel 1: From Survivor to Advocate: Preventing Human Trafficking in Scam Compounds
In this session, we will hear a first-hand account from a survivor of human trafficking in a scam compound. Since escaping, Salam has dedicated his work to helping organizations better understand, identify, and prevent trafficking in these environments. Drawing on firsthand experience and professional consulting, he brings a critical perspective to the methods traffickers use to recruit, control, and exploit people, as well as the gaps that can leave victims without protection. His work offers an important reminder that people trapped in these operations may be victims of coercion and exploitation, and that effective responses must prioritize protection, dignity, and access to support.
Speaker: Abdus Salam
11:20-11:45 | Panel 2: Evidence
Southeast Asia's scam landscape is evolving fast, and building resilience takes more than awareness alone. Drawing on a survey of 6,000 respondents across Indonesia, Malaysia, the Philippines, Singapore, Thailand and Vietnam, this latest report from the Tech for Good Institute examines the exposure risks Southeast Asians face, the gap between users' confidence and their actual skills in navigating scam risks, and the region's level of scam response readiness. It closes with actionable policy recommendations and potential interventions at key points in the scam encounter.
Speaker: Arifah Sharifuddin
11:45-12:15 | Panel 3: Solutions
Moderator:
David Symington
Speakers:
Eric Duflos
Faiza Alawadhi
12:15-12:25 | PROTECT Announcement
Speaker:
Nataša Goronja
12:25-13:30 | Lunch and Networking
Lunch Breakout 1: Peer Learning Discussion (Steward Redqueen)
This is a peer-learning discussion for investors, fund managers, and financial service providers on emerging client protection practices. The session will focus on fraud and scams, an increasingly significant risk for financial institutions and their customers. Participants will explore how different organizations are identifying, monitoring, and responding to these risks, and share practical approaches to strengthening client protection.
The event is designed as a highly interactive discussion among 20-30 practitioners. Depending on the number of participants, the session will either take the form of a roundtable conversation with topic champions facilitating discussion, or a short plenary followed by small-group breakouts for deeper exchange.
Speakers:
Pranav Kalra
Holly Smith
Eelee Lua
Lunch Breakout 2: Pricing the Plate: Connecting the Dots Between Climate Risk, Food Security, and the Need for Data Infrastructure (Temasek)
Nearly 3.7 billion people across Asia have been affected by climate events since 2000; more than three times the exposure seen elsewhere. Agriculture sits at the center of this fallout: Southeast Asia's rice yields decline with every degree of warming (up to 41% of yield could be lost across key value chains under medium-to-high climate stress) and much of the region's food supply rests on smallholder farmers who are aging, under-financed, and increasingly exposed to heat, drought, flooding, and pests. The result is a direct threat to regional and global food security, and a stress test for capital markets meant to fund resilience.
Climate risk in Asia remains systematically underpriced. Persistent gaps in localized, forward-looking climate data make it difficult for investors, insurers, and lenders to model hazard pathways, price risk accurately, or structure financing that reflects the true cost and opportunity of adaptation. Closing that gap requires public-good data infrastructure: open-access physical risk datasets, common data standards, and shared knowledge systems that let capital flow to where resilience is needed most.
This roundtable brings together funders, technologists, and agri-food practitioners to explore how better data infrastructure can unlock capital for climate-resilient agriculture in Asia — and what it will take to build the shared systems that make risk visible, financeable, and priced right.
Speakers:
Lin-Net Koh
Kai Scene Ng
Hwee Jia Loh
Jonathan Chan
13:30-15:00 | Customer Protection and Digital Financial Services: The Major Challenges, Why They Persist, and What to Do About Them (Cerise+SPTF)
Digital financial services (DFS) have been available for enough years now that we have significant research on the depth and breadth of the customer protection challenges associated with them. Countries are also increasingly adopting thoughtful customer protection regulation. Yet, the challenges persist: over-indebtedness, poor transparency regarding prices and fees, inadequate complaints resolution, violations of data privacy, errors with technology, fraud, cyber criminality and financial abuse, among others. In response, Cerise+SPTF has worked with a broad range of stakeholders around the globe to identify best practices for mitigating customer protection risks, and has documented those best practices in the DFS Standards. Many other stakeholders have also worked in complementary ways to identify and raise awareness of good practice. And yet, a significant percentage of DFS users continue to experience challenges with DFS. In this session, we will begin by reviewing what we have learned about how to mitigate the major risks, then dive into the reasons why DFS providers do not always implement best practices and discuss recommendations for a way forward.
15:00-15:30 | Coffee Break and Networking
15:30-17:30 | Learning Sessions
17:30-18:30 | Break
18:30-21:00 | Dinner
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08:00-08:30 | MC Welcome and Day 1 Reflections
Speakers:
Payal Dalal
Ahmed Dermish
08:30-10:00 | Dolphin Tank
Digital credit models have transformed access to finance for low- and middle-income households, enabling faster, more convenient access to credit at scale. Yet micro and small enterprises (MSEs), particularly small and informal businesses, remain significantly underserved.
For individuals, the rapid expansion of digital credit has also exposed consumer protection challenges, including over-indebtedness. In response, regulators and policymakers have strengthened policies and regulations. While these measures are critical to protect consumers, they can also have unintended spillover effects on MSE finance, potentially increasing the cost and complexity of serving already underserved businesses and stifling innovation.
This session brings these tensions into the room and aims to come up with solutions. Two reports (by BCB and IFC SMEFF) will provide the evidence base, highlighting the dual challenges of expanding responsible credit access while protecting consumers and enabling innovation for underserved MSEs.
Participants will then move from diagnosis to action through an Innovation Sprint designed to turn the tables: regulators and policymakers will be asked to think like investors and private sector innovators — considering risk, incentives, commercial viability, scalability, and unintended consequences. Investors and private sector participants, in turn, will be asked to define what “good” looks like: the consumer outcomes, safeguards, transparency, inclusion, and responsible business practices they would commit to achieving in exchange for an enabling policy environment.
The sprint culminates in a Dolphin Tank (a friendly, solutions-oriented pitch session) where teams present practical ideas for closing the credit gap for underserved MSEs while maintaining strong consumer protection. The goal is not to identify winners and losers, but to surface investable, scalable, and regulator-ready solutions that both sides can stand behind.
8:30-9:00 | “Credit Everywhere, but Not a Drop to Drink”
Moderator:
Carolyn McMahon
Speakers:
Ronaldo Silva
Qamar Saleem
9:00-9:30 | Workshops
9:30-10:00 | Dolphin Tank Pitch
Judges:
Joanna Ledgerwood
Rahil Rangwala
Kimberley Wilson
David Symington
10:00-10:15 | Group Photo
10:15-10:45 | Coffee Break and Networking
10:45-11:30 | Provider Postcards
Moderator:
Rachel Freeman (GoTyme)
Speakers:
Evan Tanotogono (Rey)
Karthik Velu (Kaleidofin)
Curtis Matlock (Proto)
11:30-12:30 | Workshop: Addressing Future Risk Scenarios (Part A)
Two linked sessions take participants inside the draft RFF2030 scenarios. The first session introduces the scenarios and the building blocks behind them, including four personas who carry the story of financial vulnerability at global scale. Table groups then use a branching table to write alternative futures for one persona, testing where a scenario sends a single life. The second session turns those stories into implications. Groups examine what the scenarios demand of specific RFF actors, and the sessions close with a plenary ranking of the actions that matter most.
Moderator:
David Porteous
12:30-14:00 | Lunch and Networking
Lunch Breakout 1: DPI
The operators of instant payment system face the growing tensions arising from enlarged mandates, from infrastructure operators to becoming ecosystem orchestrators, and from often unclear expectations from their diverse stakeholders (i.e. regulators, owners, and participants to the public at large). This closed-door peer exchange session will allow the CEOs of operators from around the world to share and process emerging lessons about how to manage the key tensions highlighted in a recent self-assessment exercise.
Speakers:
David Porteous
Edoardo Totolo
14:00-15:00 | Workshop: Addressing Future Risk Scenarios (Part B)
Two linked sessions take participants inside the draft RFF2030 scenarios. The first session introduces the scenarios and the building blocks behind them, including four personas who carry the story of financial vulnerability at global scale. Table groups then use a branching table to write alternative futures for one persona, testing where a scenario sends a single life. The second session turns those stories into implications. Groups examine what the scenarios demand of specific RFF actors, and the sessions close with a plenary ranking of the actions that matter most.
Moderator:
David Porteous
15:00-15:30 | Coffee Break and Networking
15:30-16:30 | Workshop: Addressing financial abuse: Designing financial services for access, inclusion, and safety (IFC)
We often think about financial services in terms of products, transactions, systems, and technology. However, people experience financial products and services within the context of their relationships, households, communities, and cultural environments. Financial institutions are therefore not only shaping financial outcomes, but also influencing people's safety, wellbeing, resilience, and ability to participate in economic life. If institutions do not recognize these dynamics, they can unintentionally create vulnerabilities or enable harm. Conversely, when products and services are intentionally designed with people's real-world circumstances in mind, they can strengthen safety, autonomy, and inclusion.
The sector has made significant progress in recognizing and responding to fraud and scams. Financial abuse is another form of financial harm that can have equally devastating consequences, but it differs because the perpetrator is often someone known and trusted by the victim, such as a partner, family member, or caregiver.
This session will provide practical insights for how regulators, financial institutions, investors, and other eco-system players can approach financial abuse and embed processes and systems to ensure financial products, services and systems are safe for all customers.
Speakers:
Sarah Twigg
Ryan Burke
16:30-17:00 | Closing Remarks
Speakers:
Amol Gupte
Diana Taylor
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Closed-door Meetings
Speakers
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Assistant Governor for Financial Crime, Market Conduct and Consumer Protection
H.E. Fatma Aljabri is a distinguished expert in banking, financial regulation, consumer protection, financial crime, and financial inclusion and literacy, bringing over three decades of executive leadership experience across both international and national banking institutions.
Prior to joining the Central Bank of the United Arab Emirates (“the CBUAE”), H.E. Aljabri held senior leadership positions at several prominent commercial and Islamic banks in the UAE, including Citibank, Abu Dhabi Islamic Bank, Dubai Bank, and Ajman Bank.
In July 2018, H.E. Aljabri joined the CBUAE as Head of the Financial Consumer Protection Department, where she led the strategic transformation of the department from a complaints-handling bureau into a fully integrated regulatory function. Under her leadership, the department developed and implemented the Financial Consumer Protection Regulatory Framework in alignment with the legal mandate established under Federal Decree Law No. (14) of 2018.
By the end of 2020, the CBUAE had introduced the new UAE Consumer Protection Regulatory Framework (FCPRF) and accompanying Consumer Protection Regulations, aimed at ensuring the fair treatment and protection of consumers across all financial products, services, and relationships with Licensed Financial Institutions operating within the UAE.
In June 2021, H.E. Aljabri was appointed as Assistant Governor for Financial Crime, Market Conduct and Consumer Protection. In this capacity, she oversees strategic initiatives related to financial integrity, consumer protection, regulatory compliance, and market conduct supervision. She also serves as a member of the National Anti-Money Laundering and Combating the Financing of Terrorism and Proliferation Financing Committee, contributing to the UAE’s national efforts to strengthen the financial crime compliance framework and regulatory resilience.
Among her notable achievements, H.E. Aljabri played a pivotal role in launching the UAE National Financial Inclusion Strategy in November 2025. The strategy represents a landmark national initiative designed to enhance financial inclusion, improve financial literacy, advance financial wellbeing, and expand access to responsible and innovative financial services throughout the UAE. The initiative reflects the UAE’s long-term commitment to building an inclusive, resilient, and financially empowered society aligned with the nation’s sustainable economic and social development objectives.
H.E. Aljabri has further contributed to positioning the UAE as a regional leader in financial inclusion and consumer protection through active collaboration with international and regional organizations. She has championed initiatives promoting financial wellbeing, digital financial inclusion, financial literacy, and consumer confidence within the financial ecosystem.
Additionally, H.E. Aljabri serves as Chairperson of Sanadak, the UAE’s first Financial and Insurance Ombudsman Unit, established to strengthen confidence, transparency, fairness, and accessibility in financial dispute resolution mechanisms across the nation.
Moreover, H.E. Fatma serves as Co-Chair of the University of Cambridge Women’s Regulatory Network and is a member of the Governing Council of the International Financial Consumer Protection Organization (FinCoNet).
H.E. Aljabri holds a bachelor’s degree in Business Science and MBA in International Business Law from Sorbonne University.
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Director, Financial Inclusion Program, Innovations for Poverty Action (IPA)
Paul Adams leads Innovations for Poverty Action's Financial Inclusion Program, covering work in consumer protection, digital public infrastructure and digital finance. Paul has over a decade of experience in financial regulation and research. Paul co-founded the Behavioural Economics and Data Science Unit at the UK Financial Conduct Authority, before helping the Dutch Authority for Financial Markets develop a Research Strategy. Paul is a Visiting Senior Researcher at the Utrecht University School of Economics. His research has been published in top finance, economics and marketing journals and featured in The Financial Times, The Wall Street Journal, The Economist and The Chicago Booth Review. He has a BSc in Economics and an MSc in Development Economics, both from Manchester University.
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CEO and Managing Director, Sanadak
Faiza Alawadhi is the Chief Executive Officer and Managing Director of Sanadak, the UAE’s Ombudsman Unit for banking and insurance disputes and the first of its kind in the Middle East and North Africa.
Under her leadership, Sanadak has been advancing a transparent, accessible and technology-enabled approach to financial dispute resolution, placing consumer trust, fairness, innovation and financial inclusion at the heart of its mandate.
With more than 25 years of experience across banking, financial regulation, consumer protection, and the energy sector, Faiza is a recognized leader in advancing trusted financial services. Prior to joining Sanadak, she led the Market Conduct and Financial Consumer Protection at the Central Bank of the UAE, where she played a key role in strengthening the UAE’s consumer protection regulatory framework and standards.
Faiza actively contributes to regional and international policy dialogue and working groups, including as Chair of the Financial Consumer Protection Taskforce at the UAE Banks Federation, and through her participation in regional and global financial inclusion initiatives. She is also a member of the Financial Inclusion Working Group at the Arab Monetary Fund, and member of the G20 Global Partnership for Financial Inclusion for three years.
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Director of Research and Policy, Financial Innovation for Impact (Fii); Research Affiliate, Cambridge Centre for Alternative Finance, Cambridge Judge Business School
Pavle Avramovic is the Director of Research & Policy for the Financial Innovation for Impact. He leads applied research and policy engagement on digital finance, emerging technologies, and regulation. His work examines how technological innovation can drive inclusive economic growth in developing and developed economies, with particular focus on digital public infrastructure, open finance frameworks, and cross-border regulatory coordination. Previously, Pavle established the UK Financial Conduct Authority's first Emerging Technologies Hub, creating novel regulatory approaches to quantum computing, artificial intelligence, and privacy-enhancing technologies. He also led the Global Financial Innovation Network team, coordinating regulatory collaboration across 80+ international members, and was a foundational lead for the UK Digital Regulation Cooperation Forum's horizon scanning program on cross-regulatory technology research. Pavle holds an MSc in Information Systems and Digital Innovation from the London School of Economics and has authored and contributed to over 30 publications with institutions including the World Economic Forum, Harvard Data Science Review, and the Alan Turing Institute. He serves on the board of UK Finance+, the UK's academic network for financial services research, and on the Africa DPI Measurement Project. He advises regulators, central banks, and international development organizations on technology governance and digital financial infrastructure.
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Global Head, SME Finance Forum
The SME Finance Forum is the world’s most prominent SME Finance center for knowledge exchange, solution building, innovation, best practice transfer and public-private dialogue. Prior to this role, Qamar headed Financial Institutions Group Advisory Services for Asia and Pacific, driving a large team across Asia and Pacific aimed at providing integrated investment and advisory client solutions across mainly MSME, Gender, Climate, Digital, Housing, Trade, and Supply Chain Finance. Qamar has been with IFC since 2012 and served in his previous roles as global technical lead for SME and Supply Chain Finance as well as regional SME Banking lead for EMENA. He has 30+ years of global financial services experience, having worked across 80+ countries and advised more than 300 financial institutions internationally in scaling SME Finance. He has been managing large business lines while leading multicultural and cross-functional teams. He is a recognized thought leader, featured speaker, and industry mentor in SME and Supply Chain Finance. Prior to joining IFC, Qamar was associated with international organizations like HSBC, Standard Chartered Bank, Deutsche Bank as well as large regional banks while serving in several emerging markets where he also led SME Banking and Commercial Banking Divisions. Qamar holds a Master’s degree in Business Administration and carries several certifications in the areas of Strategy, Climate Finance, Digital Banking, Business Transformation, Social Impact, MSME Banking, Team Leadership, Supply Chain Finance, Credit, Risk, Trade, Sales Effectiveness, Transaction Banking and Project Implementation.
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Gender Solutions and Impact Pacific Program Lead, IFC
Ryan Burke is the IFC’s Gender Solutions and Impact Pacific Program Lead. He is a private sector workplace culture specialist who has partnered with businesses globally to build safer, more inclusive workplaces. He serves as the Pacific Program Lead and financial abuse technical lead for the World Bank Group’s International Finance Corporation where works to unite regulators and financial institutions to take action against financial abuse and product misuse. Prior to these roles, Ryan led the global diversity, equity and inclusion division at the Commonwealth Bank of Australia, where he spent over a decade driving cultural transformation. Ryan also serves as an Adjunct Research Fellow at the University of New South Wales School of Social Sciences, advises the Family Friendly Workplaces initiative to broaden efforts that support families and promote workplace wellbeing, and is a member the Leadership Council for the Women Regulators Network at Cambridge University’s Centre for Alternative Finance.
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Executive Vice President of Global Programs, Mastercard Center for Inclusive Growth
Payal Dalal is the Executive Vice President of Global Programs at the Mastercard Center for Inclusive Growth. In her role, she spearheads the Center’s global philanthropic initiatives, guiding investments that span Africa, Asia, Europe, Latin America, the Middle East, and the United States. Payal leads a dynamic team dedicated to program delivery, directs cutting-edge thought leadership encompassing research, insights, and learning and drives the Center’s data, AI and tech for good efforts.
Previously, she was Global Head of Community Programs for Standard Chartered Bank. In this capacity, she designed the Bank’s new community investment strategy and oversaw all programs related to education, girls’ empowerment, global health, emergency response, employee volunteerism and disaster relief. Payal joined Standard Chartered in 2008 as the Head of Public Affairs for the Americas.
With a professional background in international philanthropy and politics, Payal has worked for a wide range of organizations including Citi, the World Affairs Council, the Global Philanthropy Forum and the Earth Institute at Columbia University. Payal also worked on foreign policy for the Office of President William J. Clinton.
Payal currently serves as a trustee for Women Win, Steering Board member for RISE and a member of the Programs and Strategy Committee for CAREUSA. She is an Executive Committee Member of the World Bank’s CGAP. She’s held official positions during the G20 Indonesia, India, Brazil presidencies and served on a taskforce for the G20 South Africa presidency in 2025. She’s also held advisory positions with the G7, United Nations and the Clinton Global Initiative.
A Texas native, Payal has a BA with honors from Stanford University and an MBA and an MPA from New York University.
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Global Lead for Investment Climate and Policy Advisory, UN Capital Development Fund (UNCDF)
Ahmed works at the intersection of financial policy reform and capital mobilization in low-income markets. He leads UNCDF's engagement with governments and market actors to accelerate structural change in the financial sector — targeting the policy environments and market infrastructures that determine whether investment flows or stalls. He manages the Policy Accelerator, UNCDF's flagship advisory program, which translates public policy into investable, scale-ready outcomes that deepen financial systems and expand economic opportunity across the UNCDF global network. With over 20 years in financial sector development, Ahmed brings a combination of regulatory experience and frontier market practice. He served as a bank supervisor and policy advisor at the Financial Conduct Authority in the UK before moving into development finance with Bankable Frontier Associates (BFA), where he was Director of Financial Inclusion Policy and Ecosystem Development. He joined UNCDF in 2016. Ahmed holds a Masters in Development Studies from the School of Oriental and African Studies (SOAS) and is based in Nairobi, Kenya.
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Senior Financial Sector Specialist at CGAP
Eric Duflos leads CGAP’s work on consumer protection and responsible finance, from policy, industry and customer perspectives, ensuring that financial services have positive outcomes for customers. He also coordinates CGAP’s work with global Standard Setting Bodies.
Eric has 30 years of experience in advancing financial inclusion and economic development, with a strong focus on policy and regulatory issues. His most recent position was director of the office of the UNSGSA, H.M. Queen Máxima of the Netherlands where he supported her policy advocacy work. He also helped the UNSGSA design and launch the CEO Partnership for Economic Inclusion. Prior to this, Eric has held several positions within CGAP, including regional representative for East Asia and the Pacific based in Singapore. Eric’s research and advice have focused on client-centered policy and regulatory issues, and digital finance. In his last essay, he proposes a new way to think about consumer protection with a “Responsible Digital Finance Ecosystem” approach. Eric also leads CGAP’s current work on combating fraud & scams. He has authored numerous articles and publications and taught policy and regulation issues at the Turin/Boulder course, Sciences-Po Paris, and universities in Singapore.
Before joining CGAP, Eric worked seven years in the Lao PDR to support the emergence of a financial inclusion policy framework with UNCDF, the Bank of Lao PDR, and the World Bank. He holds a master’s degree in management from EM Lyon, and a master’s in economics and international relations from SAIS, Johns Hopkins University.
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Global Head of Philanthropy & Community Impact, BNY; President, BNY Foundation
Sandy Fernández leads the firm's global philanthropic strategy, community banking, and volunteer efforts. Across leadership roles at BNY, Mastercard, JPMorgan Chase, and Citi, he has worked at the intersection of capital, technology, and inclusive growth, helping shape financial products, partnerships, and strategies that expand economic opportunity.
With leadership experience spanning BNY, Mastercard, JPMorgan Chase, and Citi, Sandy has developed inclusive financial products, built cross-sector coalitions, and advised public, private, and philanthropic institutions on systemic approaches to economic mobility and financial resilience. His work focuses on strengthening community and economic development finance systems and advancing digitally enabled solutions that connect underserved entrepreneurs and communities to opportunity. Sandy serves on the boards of Ascendus and the Woodstock Institute and is an Eisenhower Fellow.
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Chief Investment Officer, Accion
John oversees all Accion’s investments in responsible financial solutions that benefit the world’s nearly two billion financially underserved people. By making equity and quasi-equity investments in inclusive fintech startups, microfinance institutions, and other financial service providers, Accion creates well-run, mission driven, and efficient organizations that achieve scale, impact, and returns.
John joined Accion in August 2000 as an investment professional working with the Accion Latin American Bridge Fund, a loan guarantee fund for microfinance institutions in Latin America and the Caribbean and the Accion Gateway Fund, an equity investment fund for microfinance institutions worldwide. In 2002, he helped develop a $20 million private equity fund for microfinance institutions worldwide, Accion Investments in Microfinance, SPC, and in 2007, he led the successful $30 million capital raise for Accion Investments, incorporating new private investors to the fund.
In these roles, John has served on the boards of directors and key committees of leading microfinance institutions worldwide such as Mibanco Banco de la Microempresa (Peru), Banco Solidario (Ecuador), Banco Popular Covelo (Honduras), Sociedad de Ahorro y Credito Integral (El Salvador), Akiba Commercial Bank (Tanzania), Pan-African Savings and Loans (Ghana), and Accion Microfinance Bank (Nigeria). He led successful purchases and recapitalizations of Banco Popular Covelo (Honduras) and Akiba Commercial Bank (Tanzania). He has direct responsibility for Accion Emerge and the Accion Frontier Investments portfolio, managed by Quona Capital, and sits on the Investment Committees of Accion Venture Lab and the Accion Frontier Inclusion Fund. John has been trained in Accion’s CAMEL diagnostic tool, used to evaluate and rate microfinance institutions worldwide.
John holds a graduate degree from Boston University and an undergraduate degree from Haverford College.
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Senior Director of Product Management, Kaleidofin
Karthik Velu heads Product at Kaleidofin, which builds lending infrastructure for underserved borrowers and the lenders that serve them in India and East Africa. His teams build ki score, which gives lenders explainable credit decisions for people with little credit history, and Dada Biashara, a WhatsApp-based AI financial coach . His focus is optimizing credit decisioning process. He brings about 15 years of experience across banking, structured finance, and AI-led credit decisioning. Before Kaleidofin, he led product for an AI credit-decisioning platform and built securitization products for a debt marketplace, after earlier roles at Bank of Baroda and Barclays. He holds an MBA from IIM Bangalore.
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Deputy Director, Cerise+SPTF
Among her responsibilities, Ms. Greenberg manages the Responsible Inclusive Finance Facility in Sub-Saharan Africa (RIFF-SSA), oversees updates to the Universal Standards for Social and Environmental Performance Management (“Universal Standards”) and the Standards for the Responsible Provision of Digital Financial Services (“DFS Standards”), leads outreach on these standards in French-speaking countries, and co-manages the Cerise+SPTF working group on customer outcomes. Ms. Greenberg holds an M.A. in International Relations from Johns Hopkins, with specializations in International Economics and International Development, and a B.A. from Brandeis University, where she graduated summa cum laude with a double major in Economics and French Literature. Ms. Greenberg speaks English and French.
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Manager, Steward Redqueen
Pranav Kalra is a Manager at Steward Redqueen with experience in socioeconomic impact assessments and ESG & impact management. He has a broad interest in sustainable finance and development policy. He is based in Singapore. Pranav has developed ESG risk and impact management systems for investors. He has experience tailoring these systems to investments in startups and tech companies in emerging markets. As a part of this work, he helps clients define their ESG policies and impact narratives, and implement their strategy with procedures, tools, and measurement and monitoring systems. Pranav also uses modelling to quantify the socioeconomic impact of investments. He has expertise in the power sector, looking at how investments in the power sector ripple through the economy to improve lives. Pranav applies this knowledge in his work when assisting in the development of the Joint Impact Model, which harmonizes impact measurements for development finance institutions. Before joining Steward Redqueen, Pranav worked with a startup to develop a platform to track, disclose, and report ESG metrics. He also conducted research on financing renewable remote microgrid solutions in Southeast Asia. Pranav holds a degree in Engineering Science (spec. in Energy Systems) and Innovation & Design from the National University of Singapore. He is fluent in English and Hindi.
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Chair, Center for Financial Inclusion Advisory Council
Ms. Ledgerwood is a former banker and managing director with extensive experience in inclusive finance, economic development, gender equality, monitoring and results measurement and governance. She facilitated increased access to financial inclusion based in Zambia (2013-2017), Geneva (2006-2013 responsible for projects in Africa, the Middle East, South and Central Asia), Uganda (2001-2006), and the Philippines (1999 to 2001). Since returning to Canada in 2017, Joanna has provided advisory services to leading development organizations and participated on various Boards and Committees (Uganda, Rwanda, Zambia, the UK, Australia, and the US) focusing on supporting financial markets to be more inclusive and equitable. She currently Chairs the Center for Financial Inclusion’s Advisory Council. She is the author of numerous papers, most recently on diagnosing and addressing gender norms, as well as three books published by the World Bank and endorsed by prominent leaders, including The Microfinance Handbook (1998), Transforming MFIs (2003) and The New Microfinance Handbook (2013). Her latest book, Making Market Systems Work for the Poor (2021) explores the practicalities of implementing a market systems approach to alleviate poverty.
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Insights, Capital Innovation for Impact (CIIP)
Ng Kai Scene joins CIIP from the Singapore Sustainable Finance Association, where she was Deputy Director and led initiatives in transition and blended finance, government engagement, and international partnerships to support the growth of Singapore as a trusted, vibrant, and inclusive sustainable finance centre.
She previously held various roles at Enterprise Singapore and was part of the founding team at Infrastructure Asia, where she worked on strategy, stakeholder engagement, and the facilitation of sustainable infrastructure projects across the region. Her work spanned collaborations with governments, multilateral agencies, and industry partners to drive infrastructure excellence and foster sustainable development in Asia.
Kai Scene holds a Master of Science (Environmental Management) and a Bachelor of Engineering (Environmental) with First Class Honours from the National University of Singapore. Outside of work, she volunteers with the Lee Kong Chian Natural History Museum, supporting initiatives such as tree-planting efforts under the OneMillionTrees movement.
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Director, Responsible Inclusive Finance Facility for East and Southeast Asia (RIFF-ESEA) at Cerise+SPTF
Nitin has more than 20 years of experience in financial inclusion across Asia and Africa, with work spanning Cambodia, Vietnam, Lao PDR, Mongolia, Indonesia, the Philippines, Pakistan, Sri Lanka, India, Nigeria and Ghana.
At Cerise+SPTF he advises regulators, development finance institutions and financial service providers on client protection, social performance management and customer outcomes, with a growing focus on digital consumer risk. His recent work includes leading Cerise+SPTF’s technical input to the customer protection pillar of Cambodia’s National Financial Inclusion Strategy 2026–2030, helping DFIs and investors such as the Asian Development Bank integrate client protection across their investment and fund life cycles, and facilitating closed-door regulator dialogues on client protection.
Earlier, he was Vice President and Cambodia Country Manager at M-CRIL, and he has also consulted for IFC, UN ESCAP and GIZ. He began his career designing financial services for seasonal migrant households in India. Nitin holds a master’s in Poverty and Development from the University of Sussex.
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CEO, Proto
Proto is a Canadian AI infrastructure company deploying consumer protection and redress systems for central banks and financial institutions across emerging markets. Proto’s technology enables accessible grievance reporting, scam intervention, and consumer intelligence in underserved languages. Curtis led Proto’s contributions to award-winning anti-scam solutions at the 2025 G20 TechSprint and the 2026 C:>DIR Global “Agentic Regulator” Hackathon. His work focuses on building trusted AI that protects the gains of financial inclusion.
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Principal, FemFinance
Carolyn McMahon is the founder of FemFinance, a research and strategy consulting practice with more than a decade of experience in global financial inclusion, working with organizations including the Gates Foundation, the World Bank Group, and the Bank for International Settlements. She is also a longtime trainer with the Fletcher Leadership Program for Financial Inclusion (FLPFI), where she helped develop the 8 Question Method, the program's foundational curriculum for evidence-based policy design. Her most recent projects explore credit-building and microinsurance products for underserved Americans. Carolyn holds a MALD in Development Economics from the Fletcher School at Tufts University and a BA in Peace and Conflict Studies from the University of California, Berkeley. When she's not consulting on products and systems, Carolyn is helping people get equal pay for equal work - leading the firm's PepTalks practice, which offers free coaching to women preparing for salary negotiations.
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Head of Inclusive Digital Finance, GSMA
At the GSMA, Ashley leads efforts to advance financial health and drive innovation and collaboration across digital financial services in emerging markets. With a strong focus on bridging the digital divide, Ashley works to empower underserved populations by fostering inclusive solutions that leverage mobile technology to improve financial health and resilience — including the role of digital financial services in strengthening food systems and supporting rural and agricultural communities. Prior to joining the GSMA, Ashley held various leadership roles where she worked closely with public and private stakeholders to advance inclusive growth and development. Her expertise spans financial services, digital innovation, rural development, food systems strengthening and policy advocacy.
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Founder and CEO, Integral: Governance Solutions
David Porteous is Founder and CEO of Integral: Governance Solutions, which helps individuals and organizations to reach better decisions which fulfill their purpose in the face of complexity. He focuses especially on public-private settings, which includes digital public infrastructure, and on organizational transitions, including CEO succession.
David is a seasoned executive and entrepreneur who has founded or co-founded five organizations in the public and private sector. He has advised widely on the design, setup, and executive management of digital development initiatives around the world.
He holds a PhD from Yale University and brings deep expertise in the areas of fintech, development finance, and edtech, including as the co-founder of the Digital Frontiers capacity-building platform.
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Deputy Managing Director, Center for Financial Inclusion (CFI)
Edoardo oversees CFI’s thought leadership in the thematic areas of financial consumer protection, responsible data practices, and green inclusive finance.
Prior to joining CFI, Edoardo worked for IFC’s venture capital team in Washington, D.C., where he promoted enabling environments and investment opportunities in embedded finance, startup ecosystems, and the digital economy. He also worked for the World Bank’s global financial inclusion unit, assisting regulators in leveraging data and developing strategies for financial inclusion and consumer protection. Between 2012 and 2018, Edoardo worked in Kenya as Research Economist for Financial Sector Deepening Kenya, a multi-donor program supporting the development of inclusive financial markets. He led flagship nationally representative surveys and provided fintech companies with advanced analytical tools for consumer insights and segmentation.
Edoardo holds a PhD in development economics from the University of Trento and an MSc in international development studies from the University of Amsterdam.
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Managing Partner, Accion Ventures
Rahil Rangwala is a Managing Partner, Accion Ventures, where he is responsible for the overall strategy and success of the investment portfolio. He is responsible for overall portfolio and strategy for the fund. Prior to Accion Ventures, Rahil was a Director at the Michael & Susan Dell Foundation, where he co-managed the India team. Rahil started his professional career at Bridgewater Associates, a global macro hedge fund.
Rahil has a Bachelor’s in Computer Science from the University of Texas in Austin and a Master’s in Public Administration with a focus on International Development from New York University.
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Founding Managing Partner, Quona Capital
Based in Singapore, Ganesh leads Quona's India and Southeast Asia investment strategy and has spent over two decades backing financial inclusion and fintech innovation across the region.
Before co-founding Quona, Ganesh led Accion Frontier Investments' Asia work and served as General Partner at Lok Capital, a venture growth fund focused on financial inclusion and social enterprises. Earlier in his career, he led Greylock Partners' entry into the Indian market, directed Unitus Inc.'s Asia operations, and co-founded Travelguru.com, which was acquired by Travelocity. He began his career at Infosys, driving growth engagements for Fortune 1000 clients.
His investment track record spans category-defining companies including IndiaMart (IPO), Coins.ph (acquired by Go-Jek), and Shubham (acquired by Premji Invest), as well as institutions such as Ujjivan, Equitas, Bandhan, and IFMR/NorthernArc. Ganesh is a frequent speaker at Singapore Fintech Festival, SuperReturn, the Asia Investment Conference, GIIN, and LendIt, and has been featured in Bloomberg, CNBC, The Economic Times, and Mint.
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Independent Consultant, International Justice Mission (IJM); Bangladesh Country Director for Asia Freedom Network (AFN)
Abdus Salam is a lived experience expert, anti-trafficking practitioner, and research consultant from Bangladesh. A survivor of trafficking into cyber scam compounds, he now works internationally to combat trafficking for forced criminality and strengthen survivor-centered responses. He has contributed to research and policy initiatives with organizations including the OSCE, Humanity Research Consultancy (HRC), and USAID. He is a founding member of United Resilience Network and the Jahsore Mukti survivor group, as well as a member of the Global Survivor Network Leadership Council (GSN).
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Chief Growth Officer, Tyme Group
Rachel Freeman is the Chief Growth Officer of Tyme Group and represents Tyme on the GOtyme Board of Directors for our Hong Kong and Malaysia entites. Rachel Freeman is an experienced and internationally recognized financial expert, particularly in the areas of financial inclusion and innovative financial technologies. From 2001 to 2017, she held several senior positions at IFC in Central Asia, Africa and Asia. Prior to joining IFC, Rachel was involved in a number of entrepreneurial ventures in the US and Russia. Tyme Group is a multi-country digital banking group with GoTyme Banks in South Africa and the Philippines, with over 25 million customers combined. Tyme has also launched its SME lending solution into Indonesia and recently secured a MoneyLender license for Hong Kong. Rachel chairs the Audit Committee as a Board Member for PaveBank in Georgia and is on the Board of the Financial Alliance for Women and the Governing Council of IFC’s SME Finance Forum.
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Institute Director, Tech For Good Institute
Arifah oversees the Institute’s strategic direction and operations to advance responsible, inclusive, and evidence-based digital development across Southeast Asia. In her leadership role, she drives cross-sectoral collaborations, strengthens the Institute’s research and engagement agenda, and builds institutional capabilities to shape the region’s digital future. She brings a wealth of experience in operational excellence, technology ecosystem development, and the implementation of national-level development programmes. Prior to joining TFGI, Arifah served as the Head of Digital Tourism at the Malaysia Digital Economy Corporation (MDEC), where she led transformative initiatives such as DE Rantau, Malaysia’s digital nomad programme, and spearheaded digital adoption efforts across sectors including tourism, government, agriculture, and the sharing economy.
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Deputy Head, Department for Financial Citizenship Promotion, Banco Central do Brasil
Ronaldo has held this position since 2017. He is responsible for the Central Bank’s agenda on Financial Education and the Monitoring of Financial Inclusion. He joined the Central Bank in 2007, where he initially worked in the Department for Supervision of Credit Cooperatives and Non-Bank Institutions. He graduated in Economics from the Federal University of Paraná (UFPR), Curitiba, Brazil and holds an MSc in Central Banking from the University of Glasgow, United Kingdom (Chevening Alumnus).
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President and CEO, Accion
Michael brings nearly 30 years of extensive international banking, management, and public service experience to his role. He is responsible for creating and implementing Accion’s strategy, managing its global team, and maintaining a high-performing organization. Michael’s strategic leadership has built Accion into a leading early-stage investor in fintech for inclusion and an expert in the digital transformation of financial service providers. During his tenure, he has cultivated partnerships that strengthen Accion’s work to develop and scale cheaper, more accessible, and customer-friendly financial solutions for underserved people globally. Michael joined Accion in 2007 as a member of its Board of Directors and in 2009 became Accion’s President and CEO. Prior to his employment at Accion, Michael served as President of Citigroup’s International Franchise Management, where he managed the bank’s network of 100 Chief Country Officers. Before that, he ran communications, philanthropy, government relations, branding, and human resources for Citigroup. He served as Chief of Staff at the U.S. Securities and Exchange Commission in the Clinton Administration and in New York’s City Hall in the Dinkins and Koch Administrations. He began his career in investment banking. From 2014 until January 2021, Michael served as the Chairman of the New York City Economic Development Corporation, which encourages economic growth throughout New York City’s five boroughs and facilitates investments that build capacity, generate prosperity, and catalyze the economic vibrancy of city life as a whole. Michael has graduate and undergraduate degrees from the Massachusetts Institute of Technology, where he graduated Phi Beta Kappa.
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Senior Advisor, Office of the UN Secretary-General’s Special Advocate for Financial Health (UNSGSA), Her Majesty Queen Máxima of the Netherlands
David leads the Office’s work on technology-led innovation in financial services and engagement with the G20, the Global Partnership for Financial Inclusion and global financial standard-setting bodies. His work focuses on how policy, regulation and responsible innovation can improve financial health, strengthen resilience and deliver better outcomes for underserved consumers. David has more than 15 years of experience advancing financial health and inclusive digital financial services with the United Nations, the World Bank and the private sector. Before joining the UNSGSA Office, he was a Senior Consultant at Oxford Policy Management in London, advising governments, donors and industry leaders on expanding financial inclusion through digital innovation. He also spent three years in East Africa with the World Bank and as an Overseas Development Institute Fellow in Tanzania.
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Cofounder and CEO, Rey
Rey is the first healthtech based in Southeast Asia focused on health financing. Evan’s journey in insurance began as Head of Digital at Sequis, an Indonesian health & life insurer, where he spearheaded digital transformation across the business. Prior to insurance and healthtech, Evan led marketplace business teams at Tokopedia and was a Consultant at The Boston Consulting Group. He holds a Master’s degree in Medical Instrumentation and is a certified Qualified Chief Risk Officer (QCRO). In his free time, Evan enjoys cooking, song composing, oil painting, and miniature modelling.
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Center for Impact Investing and Practices
Prior to her role with CIIP, Loh Hwee Jia held an internship position at Convergence Blended Finance to promote blended finance initiatives in the Asia Pacific region.
She started her development career as a consultant at the United Nation’s International Organization for Migration, where she delivered reports to inform humanitarian organizations and donors on the displacement issues and crises in Myanmar. Her past experiences include being a Data Specialist as part of the Greater China M&A team at Moody’s.
Hwee Jia holds a Master of Science in Research for International Development from SOAS, University of London, and a Bachelor of Commerce in International Business from Curtin University.
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Board Chair, Accion
Diana is the former New York Superintendent of Banks and a former banker. She serves on the boards of Citigroup, Brookfield Asset Management and Sotheby’s. She also serves on several charitable boards. She chairs the boards of Accion and Hot Bread Kitchen. She also serves on the Mailman School of Public Health board. She is also a member of the Council on Foreign Relations and the Economic Club of New York. She earned her AB from Dartmouth College, her MBA from the Columbia School of Business, and her MPH from the Mailman School of Public Health at Columbia.
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Senior Researcher and Senior Lecturer, The Fletcher School at Tufts University
Kim teaches courses on financial innovation, informal finance, economic development in low-income markets, and field research methods. Across her courses, she examines the challenges faced by low-income stationary and migrating populations as they manage their enterprises and financial activities. Kim began researching the financial experiences of migrating populations in 2016. Since then, with the help of doctoral and master’s students, she has collected more than 650 “Financial Biographies,” profiles of the economic experiences of migrating and newly settled people. These profiles are featured on The Journeys Project, a partnership between Fletcher and St. Mary’s School of Law. Her co-authored books, Backyard Bankers: Immigrants, Savings Clubs, and Pursuit of the American Dream (Practical Action Press, 2025), and the forthcoming Finance on the Fly: The Hidden Economics of Migration (Princeton University Press), draw on the material housed there. Kim has worked for or consulted with international NGOs including Catholic Relief Services, CARE, and Mercy Corps, as well as United Nations agencies (UNDP, UNCDF) and the World Bank (CGAP). She has led major research projects on migration funded by the German government and the Open Society Foundations. She is a senior research Fellow at Fletcher’s Leir Institute for Migration and Human Security and at the Institute for Business in a Global Context. In 2010, with a grant from the Gates Foundation, she founded the Fletcher Leadership Program for Financial Inclusion (FLPFI), which each year brings together 25–30 central bankers and financial policymakers from around the world to focus on financial inclusion and innovation. She also serves on the board of advisors of the Center for Financial Inclusion.
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Managing Director, Center for Financial Inclusion
Nataša serves as CFI’s Managing Director where she shapes CFI’s vision and drives strategy implementation, building upon CFI’s strong foundation. She also ensures the quality of CFI’s programs, including oversight of research and publications, and develops influence and funding strategies in support of CFI’s work.
Nataša comes to CFI from the Miller Center for Social Entrepreneurship, housed at Santa Clara University. There, she served as lead for the Center’s social enterprise ecosystem product offerings and supported organizational alignment, strategic planning, business development, and key stakeholder engagement. She previously worked with the World Bank and IFC on financial inclusion, digital finance, and consumer protection. Earlier in her career, Nataša served as the Vice President of The Boulder Institute of Microfinance. Presently, she serves on the advisory board of the Global Anti-Scam Alliance and on the Steering Committee of the Amazon Finance Network.
Nataša has a graduate degree in European Integration Studies from the University of Bologna and University of Sarajevo in partnership with the London School of Economics and an undergraduate degree in International Relations from William and Mary. She is fluent in English and Bosnian.
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Senior Operations Officer, Regional Lead Gender (Asia-Pacific), International Finance Corporation (IFC)
Sarah is a development finance leader with over 20 years of experience working across Asia Pacific and internationally. She currently leads regional gender strategy and programs at IFC focused on financial inclusion, women’s economic participation and inclusive private sector development. Her work brings together financial institutions, businesses, governments and development partners to develop practical approaches to private sector development that can be scaled across markets. Sarah previously worked with the United Nations Development Program and began her career as a corporate lawyer in New Zealand and New York. She is currently based in Hanoi.
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Senior Vice President and Head of Partnership Development, Accion
Jayshree serves on the organization’s leadership team and leads its global partnership and resource mobilization strategy. Previously, as Vice President of Consumer Protection and Strategic Industry Engagement at Accion’s Center for Financial Inclusion, Jayshree led the development and execution of CFI’s consumer protection research and broader partnership strategy, contributing significantly to its global portfolio. She led two of the industry’s premier global convenings: Financial Inclusion Week, one of the largest virtual events dedicated to financial inclusion, bringing together more than 3,000 participants from over 140 countries in 2024, and the Responsible Finance Forum, which convenes leaders from financial institutions, technology companies, governments, investors, and development organizations alongside the G20 Global Partnership for Financial Inclusion to advance responsible finance and consumer protection. With more than 20 years of experience, Jayshree has built a career spanning investments, strategy, partnerships and public policy. Before joining Accion, she spent nearly a decade advising leading international organizations, including CGAP, the World Bank, JICA, and ITAD, on customer-centered financial services, digital innovation, and inclusive business models across emerging markets. Earlier in her career, Jayshree was a member of the founding leadership team at IFMR (now Dvara Trust), where she led the development of India’s first mezzanine investment fund for microfinance, pioneering an innovative financing structure that evolved into an alternative investment fund. She began her career at ICICI Bank. Beyond Accion, Jayshree contributes to the advancement of responsible finance and digital inclusion through several global advisory roles. She serves on the Consumers International Digital Finance Advisory Council, the Advisory Board for the GSMA Mobile Money Certification program, and the Advisory Council of the Pranava Institute’s Youth Digital Cultures Lab (YDCL), helping shape industry standards and emerging leadership in digital financial services. From 2021 to 2026, she served as Senior Policy Fellow at the Leir Institute at the Fletcher School of Law and Diplomacy, where she focused on expanding financial inclusion for migrants, refugees, and other vulnerable populations. She also served as an adjunct faculty member at the Fletcher School, teaching decision analysis for business. Jayshree is a recipient of the Chevening Fellowship for Leadership from the UK Foreign and Commonwealth Office, completed at King’s College, London. She earned an MA in International Relations from the Fletcher School of Law and Diplomacy, an MBA from the Management Development Institute in Gurgaon, and an undergraduate degree in Mathematics from Mumbai University.
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Manager, Capital Innovation for Impact (CIIP)
At CIIP, Jonathan Chan has been involved in projects in financial inclusion, sustainable supply chain transformation, sustainable agriculture, applications of digital technology for sustainable development, and climate adaptation and resilience.
Prior to his role at CIIP, he held internship positions in the Investment and Impact Management and Measurement teams at ABC Impact in 2019 and 2020 and at Temasek Trust in 2021.
Jonathan holds a Master of Arts in English from the University of Cambridge and a Master of Arts in East Asian Studies from Yale University. He was a 2050 Fellow with the Yale Center for Business and the Environment and is a current Impact Investing Fellow with the New England Impact Investing Initiative. He holds a Sustainable Investing Certificate, CFA Institute, as well as a Sustainability Excellence Associate Credential from Green Business Certification Inc.
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Lead, Institutional Relations, Temasek Trust; Director, Centre for Impact Investing and Practices (CIIP)
Koh Lin-Net joined the Temasek family in 2016, first as Chief Executive of two foundations under the Temasek family of foundations, and more recently as part of the CIIP team, as well as Lead, Institutional Relations, at Temasek Trust.
Prior to this, she spent more than 20 years in the Administrative Service, which is part of the Singapore Civil Service. During this time, she held a wide range of positions, including as the Deputy Secretary in the then Ministry of Information, Communications and the Arts and the Ministry of Trade and Industry, and the Chief Executive Officer of the Media Development Authority. Her responsibilities included championing infocomm, heritage and the arts in Singapore, formulating and reviewing Singapore’s foreign economic policy at various multilateral and bilateral fora, and developing and regulating the media sector in Singapore.
Lin-Net holds a Master of Arts from the University of Oxford, and an MBA from Harvard Business School. She sits on the Harvard Business School Asia-Pacific Advisory Board, the Sustainable and Green Finance Institute Management Advisory Board at the National University of Singapore, and several other Boards.
2026 Host Partner
2026 Financial Partners
RFF Advisory Council
RFF Thought Partners
RFF convenes global stakeholders to assess and manage evolving consumer risks faced by financial systems and low-income people. Through convenings and working groups, RFF provides a forward-thinking space for knowledge-sharing, ongoing research, and global dialogue to improve risk identification and mitigation.
The Center for Financial Inclusion (CFI) has been the convenor of RFF since 2022.
