Emerging fintechs for financial inclusion

Judging Panel

A panel of industry leading experts – including founders, investors, and advocates – will independently assess the applicants and select winners for each category.

 
Nejoud Al Mulaik   Director,  Fintech Saudi  Nejoud has worked for 10-years at JPMorgan Chase Bank in the corporate investment banking space. In early 2018 she joined the Small & Medium Size Enterprises General Authority (SMEA/Monshaat) as the International Strategic Partnership Director, managed international relationships for SMEs including startups and entrepreneurs to attract and design the desired partnerships to achieve growth and economic contribution across industries. In October 2018 she was appointed as Fintech Saudi Director-Gov lead initiative-to support the efforts around enabling fintech ecosystem development in Saudi Arabia.

Nejoud Al Mulaik
Director, Fintech Saudi

Nejoud has worked for 10-years at JPMorgan Chase Bank in the corporate investment banking space. In early 2018 she joined the Small & Medium Size Enterprises General Authority (SMEA/Monshaat) as the International Strategic Partnership Director, managed international relationships for SMEs including startups and entrepreneurs to attract and design the desired partnerships to achieve growth and economic contribution across industries. In October 2018 she was appointed as Fintech Saudi Director-Gov lead initiative-to support the efforts around enabling fintech ecosystem development in Saudi Arabia.

Bindu Ananth   Chair,  Dvara Trust  Bindu is the co-founder and chair of Dvara group of companies that includes Dvara KGFS, Dvara Solutions and Dvara Research. Prior to this Bindu worked at ICICI bank for 7 years as a founding member of the microfinance practice. Bindu has co-edited “Financial Engineering for Low-Income Households”, a book published by SAGE. She has also published in the Economic and Political Weekly, OECD Trade Paper Series and the Small Enterprise Development Journal. She was a member of RBI Committee on comprehensive Financial Services for Low-Income Households and Small Businesses).

Bindu Ananth
Chair, Dvara Trust

Bindu is the co-founder and chair of Dvara group of companies that includes Dvara KGFS, Dvara Solutions and Dvara Research. Prior to this Bindu worked at ICICI bank for 7 years as a founding member of the microfinance practice. Bindu has co-edited “Financial Engineering for Low-Income Households”, a book published by SAGE. She has also published in the Economic and Political Weekly, OECD Trade Paper Series and the Small Enterprise Development Journal. She was a member of RBI Committee on comprehensive Financial Services for Low-Income Households and Small Businesses).

Ginger Baker   Senior Director of Product , Ripple  Ginger is Senior Director of Product at Ripple where she leads the development of solutions that utilize digital assets to enable the world to move value as easily as information moves today. Prior to joining Ripple, she led product development for Financial Services at Facebook where her teams enabled users in emerging markets to access financial services and payments via Messenger and WhatsApp. Ginger has also served as the Director of Payments at Square and was the Managing Director of Visa’s business in Rwanda where she was responsible for the flagship implementation of mVisa and Visa’s first public­-private partnership with a national government.

Ginger Baker Senior Director of Product, Ripple

Ginger is Senior Director of Product at Ripple where she leads the development of solutions that utilize digital assets to enable the world to move value as easily as information moves today. Prior to joining Ripple, she led product development for Financial Services at Facebook where her teams enabled users in emerging markets to access financial services and payments via Messenger and WhatsApp. Ginger has also served as the Director of Payments at Square and was the Managing Director of Visa’s business in Rwanda where she was responsible for the flagship implementation of mVisa and Visa’s first public­-private partnership with a national government.

Marla Blow   Founder & CEO,  FS Card Inc.  Marla Blow is the Founder & CEO of FS Card, Inc., a venture designed to move small-dollar loan customers into more consumer-friendly products. Marla is a Henry Crown Fellow at The Aspen Institute and has held positions with the Consumer Financial Protection Bureau, CapitalOne, and JPMorgan Chase.

Marla Blow
Founder & CEO, FS Card Inc.

Marla Blow is the Founder & CEO of FS Card, Inc., a venture designed to move small-dollar loan customers into more consumer-friendly products. Marla is a Henry Crown Fellow at The Aspen Institute and has held positions with the Consumer Financial Protection Bureau, CapitalOne, and JPMorgan Chase.

Marcelo Castellanos   Regional Industry Manager, FIG LATAM,  IFC  Mr. Castellanos manages new business for the Financial Institutions Group (FIG) for the Latin American and the Caribbean (LAC) region. Prior to IFC, Mr. Castellanos served as Deputy CEO in BCP Bolivia and in many roles at Grupo Financiero Bisa, most recently as Banco Bisa International and Finance VP, and before that as Bisa Leasing CEO. Marcelo also worked at Corp Group, as Product Manager in Corp Banca Argentina. He received a BS in Industrial Engineering from Universidad de Buenos Aires and an MBA from Harvard.

Marcelo Castellanos
Regional Industry Manager, FIG LATAM, IFC

Mr. Castellanos manages new business for the Financial Institutions Group (FIG) for the Latin American and the Caribbean (LAC) region. Prior to IFC, Mr. Castellanos served as Deputy CEO in BCP Bolivia and in many roles at Grupo Financiero Bisa, most recently as Banco Bisa International and Finance VP, and before that as Bisa Leasing CEO. Marcelo also worked at Corp Group, as Product Manager in Corp Banca Argentina. He received a BS in Industrial Engineering from Universidad de Buenos Aires and an MBA from Harvard.

Nadine Chehade   Senior Financial Sector Specialist,  CGAP  Nadine Chehade is a Senior Financial Sector Specialist, representing CGAP in the Arab world. She works to deepen CGAP’s engagement in the region, collaborating with various partners, including regulators and policy-makers, donors and investors, regional associations, and businesses. She currently focuses on fintechs and leads CGAP’s efforts exploring the role of financial services in humanitarian crises. More broadly, she covers matters related to regulation, business, and markets, with the overarching goal of advancing financial inclusion.

Nadine Chehade
Senior Financial Sector Specialist, CGAP

Nadine Chehade is a Senior Financial Sector Specialist, representing CGAP in the Arab world. She works to deepen CGAP’s engagement in the region, collaborating with various partners, including regulators and policy-makers, donors and investors, regional associations, and businesses. She currently focuses on fintechs and leads CGAP’s efforts exploring the role of financial services in humanitarian crises. More broadly, she covers matters related to regulation, business, and markets, with the overarching goal of advancing financial inclusion.

Paul Edwards   Executive Chairman,  Merryn Capital and Equilibre Bio-energy Production Limited  Paul is Chairman of Equilibre Bio-energy Production and Merryn Capital. He was formerly Executive Chairman of Emerging Markets Payments Limited (EMPH) until the sale of EMPH. Previous roles include Executive Chairman of Chartwell Capital, Group CEO of MTN Ltd, and Chairman and CEO of ITC, among others.

Paul Edwards
Executive Chairman, Merryn Capital and Equilibre Bio-energy Production Limited

Paul is Chairman of Equilibre Bio-energy Production and Merryn Capital. He was formerly Executive Chairman of Emerging Markets Payments Limited (EMPH) until the sale of EMPH. Previous roles include Executive Chairman of Chartwell Capital, Group CEO of MTN Ltd, and Chairman and CEO of ITC, among others.

Bernhard Eikenberg   Fund Manager,  Bamboo Capital Partners  Bernhard Eikenberg is a Fund Manager with Bamboo Capital Partners. He joined Bamboo in 2009, and in 2010 moved to Colombia to set up and manage Bamboo’s regional office and investment activities out of Colombia. In 2015 he returned to Europe to manage Bamboo’s second financial inclusion equity fund, focusing on fintech investments globally. Bernhard started his career at JPMorgan in London in fixed income derivatives.

Bernhard Eikenberg
Fund Manager, Bamboo Capital Partners

Bernhard Eikenberg is a Fund Manager with Bamboo Capital Partners. He joined Bamboo in 2009, and in 2010 moved to Colombia to set up and manage Bamboo’s regional office and investment activities out of Colombia. In 2015 he returned to Europe to manage Bamboo’s second financial inclusion equity fund, focusing on fintech investments globally. Bernhard started his career at JPMorgan in London in fixed income derivatives.

Nick Hughes  Co- Founder,  M-KOPA  Nick leads new product and new market activities for M-KOPA. Until 2009, Nick was Head of Global Payments at Vodafone Group, where he started M-PESA in 2004. Nick has PhD in Applied Science and an MBA from London Business School. He received an Economist Innovation Award in 2010.

Nick Hughes
Co-Founder, M-KOPA

Nick leads new product and new market activities for M-KOPA. Until 2009, Nick was Head of Global Payments at Vodafone Group, where he started M-PESA in 2004. Nick has PhD in Applied Science and an MBA from London Business School. He received an Economist Innovation Award in 2010.

Zennon Kapron   Founder/Director,  Kapronasia  Zennon Kapron is a Director at Kapronasia, a financial industry market research firm focused on helping fintech companies and financial institutions in Asia. Zennon was the Global Banking Industry Manager for Intel based out of Shanghai and prior to Intel, worked for Citi for a number of years in the US and Europe culminating as his role as CIO for Citigroup Portugal.

Zennon Kapron
Founder/Director, Kapronasia

Zennon Kapron is a Director at Kapronasia, a financial industry market research firm focused on helping fintech companies and financial institutions in Asia. Zennon was the Global Banking Industry Manager for Intel based out of Shanghai and prior to Intel, worked for Citi for a number of years in the US and Europe culminating as his role as CIO for Citigroup Portugal.

Machal Karim   Executive, Development Impact, Financial Institutions,  CDC Group plc  Machal leads the impact management of CDC’s investments in financial services across products, and has previously worked for LeapFrog Investments, Oxford Policy Management and the MasterCard Foundation. She is currently also a Director for the Financial Inclusion Forum for the UK.

Machal Karim
Executive, Development Impact, Financial Institutions, CDC Group plc

Machal leads the impact management of CDC’s investments in financial services across products, and has previously worked for LeapFrog Investments, Oxford Policy Management and the MasterCard Foundation. She is currently also a Director for the Financial Inclusion Forum for the UK.

Dave Kim   Program Officer, Financial Services for the Poor,  Bill & Melinda Gates Foundation  Dave leads the Financial Services for the Poor’s strategies on product innovation, cash-in cash-out (“CICO”), and financial health. He is the Gates Foundation’s representative on FSD Kenya’s Program Investment Committee, principal representative for the International Development Innovation Alliance, and a steering committee member on the World Economic Forum’s Promoting Global Financial Inclusion project.

Dave Kim Program Officer, Financial Services for the Poor, Bill & Melinda Gates Foundation

Dave leads the Financial Services for the Poor’s strategies on product innovation, cash-in cash-out (“CICO”), and financial health. He is the Gates Foundation’s representative on FSD Kenya’s Program Investment Committee, principal representative for the International Development Innovation Alliance, and a steering committee member on the World Economic Forum’s Promoting Global Financial Inclusion project.

Françoise Lamotte   Head of Direct-to-Consumer and Digital & Innovation I EMEA,  MetLife EMEA  Françoise Lamotte joined MetLife in 2015 as senior vice president, head of direct distribution and digital for the EMEA region. She has more than two decades worth of experience in the financial services industry, both in transformational business leadership as well as P&L management, focused on direct distribution, digital and innovation.

Françoise Lamotte
Head of Direct-to-Consumer and Digital & Innovation I EMEA, MetLife EMEA

Françoise Lamotte joined MetLife in 2015 as senior vice president, head of direct distribution and digital for the EMEA region. She has more than two decades worth of experience in the financial services industry, both in transformational business leadership as well as P&L management, focused on direct distribution, digital and innovation.

Greg Levin   Director, Social Impact,  BlackRock  Greg is a Director on the Social Impact team at BlackRock, focusing on strategy development. Greg has led the development and launch of BlackRock's Emergency Savings Initiative. Prior to joining BlackRock in 2015, Greg served as Chief of Staff to the President of The Robin Hood Foundation, supporting the organization's work with its Board of Directors as well as its internal operations. Prior to Robin Hood, Greg held diverse international management roles working on small and large scale projects.

Greg Levin Director, Social Impact, BlackRock

Greg is a Director on the Social Impact team at BlackRock, focusing on strategy development. Greg has led the development and launch of BlackRock's Emergency Savings Initiative. Prior to joining BlackRock in 2015, Greg served as Chief of Staff to the President of The Robin Hood Foundation, supporting the organization's work with its Board of Directors as well as its internal operations. Prior to Robin Hood, Greg held diverse international management roles working on small and large scale projects.

Rob Levy   VP, Financial Health,  Financial Health Network (CFSI)  Rob Levy is Vice President, Financial Health at Financial Health Network (formerly CFSI) where he leads the research and thought leadership practice. His portfolio includes consumer and industry research, product-level analyses, and business best practices designed to inform the marketplace on how to improve consumer financial health outcomes while generating long-term business growth.

Rob Levy
VP, Financial Health, Financial Health Network (CFSI)

Rob Levy is Vice President, Financial Health at Financial Health Network (formerly CFSI) where he leads the research and thought leadership practice. His portfolio includes consumer and industry research, product-level analyses, and business best practices designed to inform the marketplace on how to improve consumer financial health outcomes while generating long-term business growth.

M. Yasmina McCarty   Head of Mobile for Development,  GSMA  M. Yasmina McCarty is the Head of Mobile for Development at the GSMA, where she leads a global team delivering digital innovations in agriculture, energy, water, sanitation, health, financial services, identity, humanitarian response and gender equality. Yasmina’s work brings together mobile operators, tech innovators, donors, and policy makers to tackle inequality; This work has impacted more than 55 million people to date. Before joining the GSMA, Yasmina co-founded GreenMango, a social enterprise in India, helping low-income entrepreneurs grow their small businesses.

M. Yasmina McCarty
Head of Mobile for Development, GSMA

M. Yasmina McCarty is the Head of Mobile for Development at the GSMA, where she leads a global team delivering digital innovations in agriculture, energy, water, sanitation, health, financial services, identity, humanitarian response and gender equality. Yasmina’s work brings together mobile operators, tech innovators, donors, and policy makers to tackle inequality; This work has impacted more than 55 million people to date. Before joining the GSMA, Yasmina co-founded GreenMango, a social enterprise in India, helping low-income entrepreneurs grow their small businesses.

Amolo Ng'weno   CEO & East Africa Regional Director,  BFA  Amolo N’gweno is the CEO and East Africa Regional Director for BFA. She heads up the Nairobi office while also leading the Finance for Life area of expertise, focusing on financial services addressing development areas such as health and education. Formerly, she was the Managing Director of Digital Divide Data Kenya, a social enterprise that provides data and research services to companies and governments, while hiring young people from disadvantaged backgrounds and supporting their higher education. Prior to that, Amolo held a position as Deputy Director in the Financial Services for the Poor team at the Bill and Melinda Gates Foundation.

Amolo Ng'weno
CEO & East Africa Regional Director, BFA

Amolo N’gweno is the CEO and East Africa Regional Director for BFA. She heads up the Nairobi office while also leading the Finance for Life area of expertise, focusing on financial services addressing development areas such as health and education. Formerly, she was the Managing Director of Digital Divide Data Kenya, a social enterprise that provides data and research services to companies and governments, while hiring young people from disadvantaged backgrounds and supporting their higher education. Prior to that, Amolo held a position as Deputy Director in the Financial Services for the Poor team at the Bill and Melinda Gates Foundation.

Tayo Oviosu   Founder & CEO,  Paga  Tayo is the founder & CEO of Paga (www.mypaga.com). Paga is a mobile payment company, building an ecosystem to enable people digitally send and receive money as well as creating simple financial access for everyone. Paga is the leading mobile money service in Nigeria, its first market. Prior to Paga, Tayo was Vice-President at Travant Capital Partners, a private equity fund in West Africa. Prior to joining Travant, Tayo was a Manager, Corporate Development, at Cisco Systems in San Jose California. Tayo’s work at Paga has been recognized globally - in 2014 CNBC selected Tayo as the Entrepreneur of the Year West Africa.

Tayo Oviosu
Founder & CEO, Paga

Tayo is the founder & CEO of Paga (www.mypaga.com). Paga is a mobile payment company, building an ecosystem to enable people digitally send and receive money as well as creating simple financial access for everyone. Paga is the leading mobile money service in Nigeria, its first market. Prior to Paga, Tayo was Vice-President at Travant Capital Partners, a private equity fund in West Africa. Prior to joining Travant, Tayo was a Manager, Corporate Development, at Cisco Systems in San Jose California. Tayo’s work at Paga has been recognized globally - in 2014 CNBC selected Tayo as the Entrepreneur of the Year West Africa.

Anju Patwardhan   Managing Director,  CreditEase  Anju Patwardhan is Managing Director at CreditEase for its global Fintech Investment Fund and Fund of Funds of USD 1 billion. CreditEase, established in 2006, is a leading Fintech company in China, specializing in Wealth Management, Asset Management, and Marketplace Lending. Anju has over 25 years of banking experience with Citibank and Standard Chartered Bank (SCB) in global and regional leadership roles. She has held senior positions including Chief Operating Officer, Chief Risk Officer, and Digital Banking Head, and her last role at SCB was as the Global Chief Innovation Officer.

Anju Patwardhan
Managing Director, CreditEase

Anju Patwardhan is Managing Director at CreditEase for its global Fintech Investment Fund and Fund of Funds of USD 1 billion. CreditEase, established in 2006, is a leading Fintech company in China, specializing in Wealth Management, Asset Management, and Marketplace Lending. Anju has over 25 years of banking experience with Citibank and Standard Chartered Bank (SCB) in global and regional leadership roles. She has held senior positions including Chief Operating Officer, Chief Risk Officer, and Digital Banking Head, and her last role at SCB was as the Global Chief Innovation Officer.

Parag Rao   Country Head - Payments Business & Marketing,  HDFC Bank Ltd  Mr. Parag Rao, Country Head – Payments Business, Marketing, HDFC Bank Ltd. Mr. Parag Rao is the Country Head for the Payments Business and Marketing at HDFC Bank Ltd. The Payments Business includes Debit Cards, Credit Cards, Prepaid & Commercial Cards, Merchant Acquiring Services, Digital Payments Infrastructure, and Consumer Finance Business. In his current role, he also spearheads Marketing which includes Brand Communication and Analytics functions.

Parag Rao
Country Head - Payments Business & Marketing, HDFC Bank Ltd

Mr. Parag Rao, Country Head – Payments Business, Marketing, HDFC Bank Ltd. Mr. Parag Rao is the Country Head for the Payments Business and Marketing at HDFC Bank Ltd. The Payments Business includes Debit Cards, Credit Cards, Prepaid & Commercial Cards, Merchant Acquiring Services, Digital Payments Infrastructure, and Consumer Finance Business. In his current role, he also spearheads Marketing which includes Brand Communication and Analytics functions.

Humberto Romero Lois   Director de Captación,  Banco Azteca  Mr. Romero has over 25 years of experience with companies such as BBVA Bancomer, American Express, HSBC and Principal, acting as general manager, director of product distribution, segmentation, and mutual funds. Mr. Romero has transformed sales channels, implemented innovative digital marketing strategies, and redesigned product portfolios. He holds an MBA from Carnegie Mellon University.

Humberto Romero Lois Director de Captación, Banco Azteca

Mr. Romero has over 25 years of experience with companies such as BBVA Bancomer, American Express, HSBC and Principal, acting as general manager, director of product distribution, segmentation, and mutual funds. Mr. Romero has transformed sales channels, implemented innovative digital marketing strategies, and redesigned product portfolios. He holds an MBA from Carnegie Mellon University.

Gabriela Zapata Alvarez   Profesional independiente en inclusión financiera,  Independent Consultant (Financial Inclusion)  Gabriela is a strategic advisor to various private and public institutions and fintech startups involved in financial inclusion and financial health of low-income households in Latin America. She is actively involved in a number of related projects with MetLife Foundation, Bankable Frontier Associates and the UNSGSA, among others. Previously, she was Senior Program Officer at the Bill & Melinda Gates Foundation and Director of Promotion of Financial Organizations at the Ministry of Agriculture in Mexico. She holds a master’s degree from Cornell University.

Gabriela Zapata Alvarez
Profesional independiente en inclusión financiera, Independent Consultant (Financial Inclusion)

Gabriela is a strategic advisor to various private and public institutions and fintech startups involved in financial inclusion and financial health of low-income households in Latin America. She is actively involved in a number of related projects with MetLife Foundation, Bankable Frontier Associates and the UNSGSA, among others. Previously, she was Senior Program Officer at the Bill & Melinda Gates Foundation and Director of Promotion of Financial Organizations at the Ministry of Agriculture in Mexico. She holds a master’s degree from Cornell University.

Clinton Townsend   Director,  San Francisco Innovation Center at Visa  Clinton is a Director of Visa's San Francisco Innovation Center after first joining Visa as a Director of Business Development for ATM Products. Prior to Visa, Clinton was the Founder & CEO of FreeATM, Inc., the New York-based startup that replaced out-of-network fees with an advertising-supported model.

Clinton Townsend
Director, San Francisco Innovation Center at Visa

Clinton is a Director of Visa's San Francisco Innovation Center after first joining Visa as a Director of Business Development for ATM Products. Prior to Visa, Clinton was the Founder & CEO of FreeATM, Inc., the New York-based startup that replaced out-of-network fees with an advertising-supported model.

Vikas Verma   Director,  Michael & Susan Dell Foundation  Vikas oversees a portfolio of investment across financial inclusion, education, jobs and livelihoods initiatives. Prior to joining the foundation, Vikas worked with SUN Capital, a private equity firm, in an investment and corporate finance role. His focus at SUN was on identification, valuation, structuring and financing of potential investments. Prior to his stint with SUN, Vikas worked as a scientist with the Indian Government’s Defense Research and Development Organization, developing mission critical avionics systems for India’s top tier fighter aircraft. Vikas has a master’s in business administration from Indian Institute of Management, Calcutta.

Vikas Verma
Director, Michael & Susan Dell Foundation

Vikas oversees a portfolio of investment across financial inclusion, education, jobs and livelihoods initiatives. Prior to joining the foundation, Vikas worked with SUN Capital, a private equity firm, in an investment and corporate finance role. His focus at SUN was on identification, valuation, structuring and financing of potential investments. Prior to his stint with SUN, Vikas worked as a scientist with the Indian Government’s Defense Research and Development Organization, developing mission critical avionics systems for India’s top tier fighter aircraft. Vikas has a master’s in business administration from Indian Institute of Management, Calcutta.

Zia Zaman   Chief Innovation Officer,  MetLife Asia  Zia is the Chief Innovation Officer for MetLife Asia and Chief Executive Officer of LumenLab, an innovation centre based in Singapore. As a member of MetLife’s Asia Leadership Group, he is responsible for steering the company’s innovation agenda across the region, with a focus on addressing the health, aging, and wealth needs of Asia-based consumers.

Zia Zaman
Chief Innovation Officer, MetLife Asia

Zia is the Chief Innovation Officer for MetLife Asia and Chief Executive Officer of LumenLab, an innovation centre based in Singapore. As a member of MetLife’s Asia Leadership Group, he is responsible for steering the company’s innovation agenda across the region, with a focus on addressing the health, aging, and wealth needs of Asia-based consumers.