Monday, December 11th, 2023
2:00 pm – 5:30 pm PT | Spieker Forum, Chou Hall

2:00 – 2:10 pm Welcome Paul Gertler, University of California, Berkeley
Cesaire Assah Meh, IFC
2:15 – 3:00 pm Opening Panel: The Promise of Fintech and the Path to Financial Inclusion
Chair: Laura Chioda, Director of Research, University of California, Berkeley

Olayinka David-West, Associate Dean & Professor of Information Systems, Lagos Business School
Sophie Sirtaine, CEO, CGAP
Edom Tsegaye, Senior Program Officer, Bill & Melinda Gates Foundation

3:05 – 3:40 pm Policy Panel: Fintech, Big Tech, and Financial Services: a Policy Agenda Chair: Adel Meer, Global Sector Manager – Financial Inclusion, International Finance Corporation

Julapa Jagtiani, Senior Economic Advisor and Economist, FRB Philadelphia
Linda Jeng, CEO / Visiting Scholar on Financial Technology, Digital Self Labs / Georgetown Law
Eric Parrado, Chief Economist & General Manager of Research, IADB

3:40 – 3:55 pm Coffee Break
4:00 – 5:15 pm Session: Fintech: Vulnerable Populations and Consumer Protection Chair: Rich Lyons, University of California, Berkeley

Learning to Navigate a New Financial Technology: Evidence from Payroll Accounts
Presenter: Emily Breza, Harvard University

The Impact of Price Comparison Tools in Consumer Credit Markets
Presenter: Sean Higgins, Northwestern University

What Works to Connect Women to Digital Technology?
Presenter: Simone Schaner, University of Southern California

Effect on Employment of Government Guaranteed Loans to Small Businesses during COVID
Presenter: Paul Gertler, University of California, Berkeley

5:20 – 5:35 pm Closing Remarks Rich Lyons, Associate Vice Chancellor for Innovation & Entrepreneurship, University of California, Berkeley

Tuesday, December 12th, 2023
8:30 am – 5:15 pm | Spieker Forum, Chou Hall

8:30 – 9:00 am Check-In
9:00 – 9:05 am Introduction to Day 2  
9:05 – 9:40 am Keynote Address Dean Karlan, Professor of Economics & Finance, Kellogg School of Management, Northwestern University
9:40 – 9:50 am Coffee Break
9:55 – 10:30 am Innovating for impact:
Fintech and Mission-Driven Investing to Advance Financial Inclusion
Chair: Denis Medvedev, Senior Economic Advisor, IFC

Matt Flannery, Co-founder and CEO, Branch Intl.
John Onwualu, Principal, Flourish
Viviana Siless, CTO, Co-founder, and Professor, Quipu & Universidad Torcuato Di Tella

10:35 – 11:15 am The Role of Digital ID as a Key Component of Expanding Financial Inclusion Chair: Ken Weber, VP Social Impact & Sustainability, Ripple

Matthew Davie, President, Davie Partners
Will Le, CEO, impactMarket
Rebecca Rouse, Digital Finance Team Lead, USAID
Schan Duff, Lead, Global Product and Partnerships Legal, Stripe

11:20 – 11:30 am Coffee Break
11:30 – 12:35 pm Session: When Nontraditional Financial Actors Offer Financial Services Chair: Marcel Fafchamps, Stanford University

Buy Now, Pay Later (BNPL)…On Your Credit Card
Presenter: Benedict Guttman-Kenney, University of Chicago

The Effect of Stock Ownership on Individual Spending and Loyalty
Presenter: Paolina Medina, University of Houston

Invisible Primes: Fintech Lending with Alternative Data
Presenter: Dimuthu Ratnadiwakara, Louisiana State University

12:40 – 1:40 pm Lunch Break
1:40 – 2:45 pm Session: Privacy and Fairness in Machine-assisted Decisions Chair: Sonia Katyal, University of California Berkeley

Algorithms, Privacy and Inequality
Presenter: Catherine Tucker, MIT

On the Fairness of Machine Assisted Human Decisions
Presenter: Jann Spiess, Stanford University

Enabling the Responsible Use of Personal Data with Provably Private Predictions
Presenter: Joshua Blumentock, University of California, Berkeley

2:50- 3:55 pm Session: P2P transfers, Tech Adoption, and Mobile Money Chair: Jill Grennan, University of California, Berkeley

Friends and Family Money: P2P Transfers and Financially Fragile Consumers
Presenter: Emily Williams, Harvard University

Mobile Money, Interoperability, and Financial Inclusion
Presenter: Nicola Limodio, Bocconi University

Strategic Complementarities in a Dynamic Model of Technology Adoption: P2P Digital Payments
Presenter: David Argente, Yale University

3:55 – 4:10 pm Coffee Break  
4:15 – 5:20 pm Session: Digital Businesses, and SMEs Performance in Developing Countries Chair: David Sraer, University of California, Berkeley

Virtual Windows Through Glass Walls? Digitization for Mobility-Constrained Female Entrepreneurs
Presenter: Layane Alhorr, Harvard University

Connecting the Countryside via E-Commerce: Evidence from China
Presenter: Benjamin Faber, University of California, Berkeley

Smiles in Profiles: Improving Fairness and Efficiency Using Estimates of User Preferences in Online Marketplaces
Presenter: Emil Palikot, Stanford University