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 DECEMBER 6 - SUMMIT DAY 1
08:00 - 09:00 Registration & Refreshments

co-chaired by:
Dara Duguay, Director, Citi Office of Financial Education
Khozem Merchant, Director, Business Development, Financial Times India
09:00 - 09:15 WELCOME REMARKS
Stephen Bird, CEO, Global Consumer Group, Citi Asia Pacific
Victor Mallet, Asia Editor, Financial Times
09:15 - 09:45 OPENING KEYNOTE ADDRESS
Michael Klein, Vice President and Chief Economist, IFC
introduced by: Sanjay Nayar, CEO, Citi India
09:45 - 10:15 KEYNOTE ADDRESS
Rajat Nag, Managing Director General, Asian Development Bank
introduced by: Victor Mallet, Editor, Financial Times Asia
10:15 - 10:30 CONFERENCE OVERVIEW
10:30 - 11:00 Networking Break Lawn Area
11:00 - 12:15 CONCURRENT PANEL DISCUSSIONS
Supporting Inclusion Through Basic Financial Capability - Best Practices in Adult Financial Education for Underprivileged and Low-income Households
Basic money management skills are crucial for the poor and low-income households who need to improve their financial security and move up the economic ladder. Financial education experts from around the world will present examples of programmes that are helping the unbanked and underserved to become more financially empowered, and discuss the challenges involved and the need for increased outreach.

Delegates can choose a session according to their interests. Each session will be led by a moderator and will include brief presentations by each of the panellists and additional time for dialogue.
Session A Mumtaz Hall
Increasing Financial Literacy in Rural Areas
People in rural and remote areas tend to have less access to the formal financial sector and maintain different lifestyles from their urban counterparts. What are some of the key considerations when designing and delivering financial education programmes for rural and remote communities?

Christine Halse, Associate Professor, Centre for Educational Research, University of Western Sydney, Australia
Jayshree Vyas, Managing Director, SEWA Bank, India
moderated by: David Gibbons, Executive Chairman, CASHPOR Micro Credit, India
Session B Jehangir Hall
Increasing Financial Literacy in Urban Areas
People in urban and semi-urban areas may have better access to financial products and services and related consumer information, but most have never had any formal financial education. How can we engage urbanites to help them understand the fundamentals of personal financial management?

Francisco Colayco, Chairman, Colayco Foundation for Education, Philippines
Marcin Polak, President, Think! Institute for Development of Communication and Education, Poland
moderated by: T.R. Ramachandran, Business Manager, Cards, Global Consumer Group, Citi India
12:15 - 14:15 LUNCH
14:15 - 15:30 CONCURRENT PANEL DISCUSSIONS (continued)
Session C Mumtaz Hall
Enhancing Affordable Access - Financial Education for Credit and Remittances
Credit can be a useful personal finance tool, but when misused, it can lead to financial disaster especially for people who do not have a safety net. Remittances are also becoming an increasingly important factor in the economic development of many poor communities. How can we teach people to borrow wisely and handle debt with care, as well as channel and leverage remittances more effectively?

Kathleen Stack, Vice President, Freedom from Hunger
Ruth Gonzaga, Acting Bank Officer VI, Central Bank of the Philippines
moderated by: Sankar Datta, Managing Director, Indian Grameen Services, BASIX
Session D Jehangir Hall
Building And Protecting Assets - Financial Education in Relation to Savings and Insurance
Putting money aside for the future is an integral part of good money management, and is often the only reliable and sustainable way that poorer households can meet their financial goals. In addition, buying insurance is an important way to minimize the economic vulnerability of low-income households. How can we ensure that people have the financial knowledge and skills they need to build and protect their assets?

Monique Cohen, Founder-President, Microfinance Opportunities
Mirai Chatterjee, Director, SEWA Social Security, India
moderated by: Shamika Ravi, Assistant Professor of Economics, Indian School of Business
15:30 - 16:00 Networking Break Lawn Area
16:00 - 17:30 PLENARY PANEL DISCUSSION
Establishing Effective Partnerships Between Financial Education Stakeholders to Scale Up Local Programmes
Given the huge need to increase financial literacy levels around the world, stakeholder collaborations are an obvious way to expand the reach of community-level financial education programmes. But creating effective multi-sector partnerships is often very challenging. Experienced financial education providers from three different regions share examples and insights on how to make these important alliances work.

Combined presentation for Andrew Rothstein, Faisel Rahman and Diane Tate
Andrew Rothstein, Curriculum Manager, National Academy Foundation, US
Faisel Rahman, Managing Director, Fair Finance, UK
Diane Tate, Director, Corporate and Consumer Policy, Australian Bankers Association
moderated by: Mark Nieker, President, Pearson Foundation
17:30 - 17:45 DAY ONE CLOSING REMARKS
18:30 - 19:30 COCKTAIL RECEPTION Lawn Area
19:30 - 22:30 GALA DINNER
India's Microentrepreneurship Award winners
introduced by: Viraf Mehta, Chief Executive, Partners in Change
 DECEMBER 7 - SUMMIT DAY 2
09:00 - 09:45 SPECIAL ADDRESS
Focus on Women - Understanding Life-cycle Needs
To develop appropriate financial education interventions for women, it is important to consider expenditure patterns during their lifetime. Hear from these financial literacy pioneers about the life stages of poor women workers in India and the corresponding need for education about credit, savings and insurance to break out of the vicious cycle of poverty.

Jayshree Vyas, Managing Director, SEWA Bank, India
Vijayalakshmi Das, CEO, Friends of Women's World Banking (FWWB), India
09:45 - 11:00 PLENARY PANEL DISCUSSION
Focus on Youth - Establishing the Basics Early
Our money management values are usually established at an early age and then carried into adulthood, so financial education for youth is essential to improve the financial capability of future generations. This distinguished panel will share examples of initiatives that are instilling basic financial concepts among young people and their views on the importance of stakeholder collaborations in youth financial education.

Ovid Tzeng, Chancellor, University System of Taiwan, and Board Member, Financial Literacy and Education Foundation, Taiwan
Maria Leonida Fres-Felix, Vice President, Communications and Stakeholder Relations Group, Philippine Deposit Insurance Corporation
Lata Narayan, Associate Professor, Centre for Equity for Women, Children and Families, School of Social Work, Tata Institute of Social Sciences, and Board Member, MelJol
moderated by: Kathy Hurley, Senior Vice President, Strategic Partnerships, Pearson Education
11:00 - 11:30 Networking Break Lawn Area
11:30 - 12:45 CONCURRENT PANEL DISCUSSIONS
Promoting Financial Progress and Wealth Creation - Best Practices in Adult Financial Education for Successful Investing and Entrepreneurship
Beyond the basics of good personal financial management, financial education is needed for financial advancement and prosperity across all income levels. Specialists from a wide range of fields and geographies will present examples of programmes that are helping people to be smarter homeowners, investors, entrepreneurs and business managers, and how these initiatives are contributing to economic development growth.

Delegates can choose a session according to their interests. Each session will be led by a moderator and will include brief presentations by each of the panellists and additional time for dialogue.
Session A Mumtaz Hall
Building Financial Capability for First-time Homeowners
Homeownership is often viewed as a reliable way of building a stronger financial future for low-income families, but there are challenges for those with unreliable incomes and few other investments. How can we help first-time homebuyers to make informed decisions, and ensure that people opt for affordable and responsible housing loans?

Mario Moran, Project Manager, Financial Literacy, Latin America & the Caribbean, Habitat for Humanity International
Bernell Grier, Chief Operating Officer, Neighborhood Housing Services of New York City, US
moderated by: Sheela Patel, Founder and Director, Society for the Promotion of Area Resource Centres (SPARC), India
Session B Jehangir Hall
Building Financial Capability for Low-to-moderate Income Investors
Investing is a key component of wealth creation, but for people of limited means, the pitfalls of bad investment decisions are even greater. How can we teach inexperienced investors about the risk of increasingly complex and varied investment products, where to get reliable information, and how to watch out for potential scams and fraud schemes?

R. K. Nair, Executive Director, Securities and Exchange Board of India (SEBI)
David Gerald, President, Securities Investors Association Singapore (SIAS)
moderated by: Joe Leahy, Mumbai Correspondent, Financial Times
12:45 - 14:15 LUNCH & SPECIAL ADDRESS
Mathew Titus, Executive Director, Sa-Dhan
introduced by: Alok Prasad, Head, Strategy & Business Development, Global Consumer Group, Citi India
14:15 - 15:30 CONCURRENT PANEL DISCUSSIONS (continued)
Session C Mumtaz Hall
Developing the financial competencies of micro- and small business owners
In both developed and developing economies, microentrepreneurs and people running small office/home office businesses (i.e. up to 10 employees) need baseline financial management skills to achieve their goals. What types of financial education do entrepreneurs need, and at what stages, to maximize the commercial viability of their new ventures?

Victor Guerrero, Board Member, FUDEP (Asociación Civil Fomento del Desarrollo Popular), Venezuela
Jeff Butler, Business Programme Manager, AnewAmerica Community Corporation, US
moderated by: Vijayalakshmi Das, CEO, Friends of Women's World Banking (FWWB), India
Session D Jehangir Hall
Meeting the financial education needs of SMEsowners
There is growing recognition worldwide that small and medium enterprises (SMEs) plan an important role in local economic development, especially given their capacity for employment generation. What kind of financial education should be provided to help SME managers overcome the 'financing gap' and support their long-term sustainable growth?

Chris Richards, Advisor, SME Department, IFC
Saisawan Vadhanapanich, Director, Better Business Practice, Kenan Institute Asia
moderated by: Sandeep Ghosh, Managing Director and Head of Commercial Banking, Citi India
15:30 - 16:00 Networking Break Lawn Area
16:00 - 17:30 PLENARY PANEL DISCUSSION
Creating strong multi-sector partnerships for successful financial literacy frameworks and campaigns at national levels.
Given the extent of financial illiteracy around the world, especially among low-income households, an increasing number of countries are putting financial education on the national agenda. Senior representatives from regulatory and non-profit organisations discuss the kinds of policy frameworks, national campaigns, and multi-sector partnerships that are underway or being planned to make a significant and sustainable impact on financial literacy levels in their respective countries.

Muliaman Hadad, Deputy Governor, Bank Indonesia
V.S. Das (Speech) , Executive Director, Reserve Bank of India
Marloes van den Heijkant, Coordinator, CentiQ, Ministry of Finance, Netherlands
George Barany, Director, Financial Education, Consumer Federation of America
moderated by: Bruno Lévesque, Principal Administrator, Financial Education, Directorate for Financial and Enterprise Affairs, OECD
17:30 - 17:45 CLOSING REMARKS
P.S. Jayakumar, Country Business Manager, Global Consumer Group, Citi India
Mark Nieker, President, Pearson Foundation

The organiser reserves the right to alter the programme and speakers as may be necessary.