The Lab for Inclusive Fintech (LIFT) at the University of California, Berkeley, the School of Business and School of Government at Universidad Adolfo IBAÑEZ (UAI) and the Center for Effective Global Action (CEGA) will lead an event on January 12 – January 13, 2026 to provide an opportunity for researchers, industry leaders and implementing partners, and policymakers to explore whether and how digital financial technologies, their related regulations, and increasingly available data can benefit underserved populations around the world.

Agenda

Monday, January 12, 2026

9:00 am – 6:00 pm | President Errázuriz Headquarters | Universidad Adolfo Ibáñez | Santiago, Chile
8:30 – 9:00 am Registration
Coffee and pastries provided
9:00 – 9:10 am Welcome

Francisco Covarrubias, Headmaster Universidad Adolfo Ibáñez

Ana Maria Montoya, Assistant Professor School of Government Universidad Adolfo Ibáñez
Session 1
9:10 – 10:00 am		 PANEL: Central Bank Priorities and Concerns in Financial Inclusion and Innovation

Moderator: Kevin Cowan Logan, Universidad Adolfo Ibáñez
Alejo Macaya, Principal Manager Financial Inclusion, Central Bank of Argentina

Mardilson Fernandes, Head of Financial Regulation Department, Central Bank of Brazil

Bernardita Piedrabuena Keymer, Commissioner, Financial Market Commission (CMF) Chile

José Luis Negrin, Director General of Financial System Issues, Central Bank of Mexico
10:00 – 10:30 am Coffee Break
Session 2
10:30 – 12:00 pm		 RESEARCH SESSION: Innovations in Credit (1)

Moderator: Nieves Valdes, Universidad Adolfo Ibáñez
Santiago Truffa, Universidad de los Andes
Search and Negotiation with Biased Beliefs in Consumer Credit Markets
Daniel Schwartz, Universidad de Chile
The Rise of a Nudge: Field Experiment and Machine Learning on Minimum and Full Credit Card Payments
Erik Berwart, Chilean Financial Market Commission (CMF),
Compare Before You Choose: Just-in-Time Messages for Credit Shopping
12:00 – 1:30 pm Lunch 
1:30 – 2:30 pm KEYNOTE: Improving Consumer Protection in Financial Market

Paul Adams, Director Financial Inclusion Innovations for Poverty Action
2:30 – 3:00 pm Coffee Break
Session 4
3:00 – 4:30 pm		 PANEL: Industry Perspectives on Future Innovations

Moderator: Emilia Valenzuela, Universidad Adolfo Ibáñez
Mercado Libre, Cecilia de Mendoza, Senior Economist
Galgo, Sebastián Parot, Chief Operating Officer and CEO Regional
Banco Estado, Daniel Hojman, President
RappiCard, Jose Antonio Murillo, CEO
4:30 – 4:45 pm Coffee Break
Session 5
4:45 – 6:00 pm		 RESEARCH SESSION: Innovations in Public Services

Moderator: Mariana López Fernández, Open Contracting Partnership
Raimundo Undurraga, University of Chile
How Managers Can Use Purchaser Performance Information to Improve Procurement Efficiency
Ana Maria Montoya, Universidad Adolfo Ibáñez
Public Procurement Law Impact on SMEs
6:00 pm Social gathering in the garden

Alejandro Montecinos – Associate Dean, School of Business Universidad Adolfo Ibáñez

Maria Jose Naudon – Dean, School of Government Universidad Adolfo Ibáñez

Tuesday, January 13, 2026

9:00 am – 6:00 pm | President Errázuriz Headquarters| Universidad Adolfo Ibáñez | Santiago, Chile
8:30 – 9:00 am Registration
Coffee and pastries provided
Session 6
9:00 – 10:30 am		 RESEARCH SESSION: Financial Education

Moderator: Bernando Lara, Universidad Adolfo Ibáñez 
Veronica Frisancho, Development Bank of Latin America and the Caribbean (CAF)
Effects of Financial Education in Latin America
Elaine Shen, University of California, Berkeley
Dollars and Sense: Self-Selection in Financial Literacy Education
Fernando Suarez, Fintual
Democratizing Expert Financial Advice Using Foundation Models and Multi-Agent AI Systems
10:30 – 11:00 am Coffee Break
Session 7
11:00 – 12:30 pm		 RESEARCH SESSION: Open Finance Systems and Regulation

Moderator: Ana Maria Montoya, Universidad Adolfo Ibáñez
Fernando Martinez-Santos, European Commission
Has PSD2 Favoured Investments in the European PayTech Companies? 
Jillian Grennan, Emory University
Cryptocurrency Regulation: Enabling vs. Protective Approaches
Nitin Kohli, Center for Effective Global Action
Enabling Humanitarian Applications with Targeted Differential Privacy
12:00 – 1:30 pm Lunch
Session 8
1:30 – 3:00 pm		 RESEARCH SESSION: Innovations in Credit – (2)

Moderator: Julio Ruitort, Universidad Adolfo Ibáñez
Pablo Celhay, Pontificia Universidad Católica de Chile
Digital Finance in Displacement: Savings Incentives in a Humanitarian Cash Program
Paolina Medina, University of Houston
What Matters for Consumer Credit Choice? Evidence from the Philippine Digital Credit Market
Brett Green, Washington University St. Louis
The Welfare Benefits of Pay-As-You-Go Financing
3:00 – 3:30 pm Coffee Break
Session 9
3:30 – 5:00 pm		 RESEARCH SESSION: Digital Platforms

Moderator: Alejandra Abufhele, Universidad Adolfo Ibáñez
Isadora Frankenthal, Massachusetts Institute of Technology
The Gig Economy and Crime in Brazil
Lucas Mariani, Bocconi University
Open Finance, Privacy, Trust and Financial Inclusion: Evidence from a Randomized Experiment in Brazil
Filippo Mezzanotti, Northwestern University
Demographics and Technology Diffusion: Evidence from Mobile Payments
Session 10
5:00 – 6:00 pm		 PANEL: Overcoming tradeoffs between resilience, competition and financial inclusion

Moderator: Ana Maria Montoya, Universidad Adolfo Ibáñez (UAI)
Eric Parrado, Managing Director IDB Invest

Jorge Grunberg, National Economic Prosecutor

Rosario Celedon, former Head of Regulation at Central Bank