1. Definition financial inclusion, scope and programme of the conference
2nd DNB Seminar on Financial Inclusion
Strategy for and challenges in financial inclusion
Michiel van Doeveren, 20 September 2017

2. Financial Inclusion
Full financial inclusion is a state in which all people and businesses who can use them have access to a full range of financial services at an affordable price and good quality.

3. Financial Inclusion
Dimensions

4. Financial resilience Financial Access Consumer Protection Financial
Behavior

5. Worldbank: Universal Financial Access by 2020
By 2020, adults globally have access to an account or electronic instrument to store money, send and receive payments as the basic building block to manage their financial lives
Access to a transaction account is a stepping stone to financial inclusion, which includes a full range of formal financial services
Universal financial access is ambitious, yet achievable for the majority of the world’s population by 2020, full financial inclusion will take longer
Even with financial access, usage will not be universal, and not all countries will reach it 5

6. Financial inclusion Gap is narrowing, but is still substantial
FINDEX 2014 6

7. 2015 World Bank Group-IMF Spring Meetings
"Many national leaders have already taken bold steps to expand financial access in their own countries. To further that progress, it is important to create the right environment to catalyze private-sector investment and innovation”
H.M. Queen Máxima of the Netherlands, the UN Secretary-General’s Special Advocate for Inclusive Finance for Development
2015 World Bank Group-IMF Spring Meetings 7

8. Trends in economy and society
Financial inclusion should take into account:
Innovation and digitization of financial services
Complexity of financial products and bigger responsibleness for citizens
Use of big data for more personalised financial services
Sustainability in financial services

9. Programme Wednesday 20 September
Time (hours)
Subject
Lecturer
9:00
Opening speech
Frank Elderson (DNB)
9:15
Introducing of the participants
Participants
9:45
Introduction of the programme and scope of the conference
Michiel van Doeveren
10:00
Payment aspects of financial inclusion
Marc Hollanders (BIS)
10.45
Coffee/tea break
11.15
Payment systems and remittances as a gateway to financial inclusion/some case studies
Céu Pereira (World Bank Group)
12:00
Consumer protection and positive & negative forms of nudging
Femke de Vries (Authority of Financial Markets)
12:45
Seminar picture and lunch at restaurant De Munt
Hosted by DNB
14.15
Financial inclusion in EU legislation
Ann Borestam (ECB)
15:00
Financial inclusion, financial resilience and behaviour
Gita Salden (Ministry of Finance)
15:45
Coffee/tea
16:00
Unintended consequences: How global Anti-Money Laundering and Countering Terrorism Financing rules are leading to financial exclusion
Lia van Broekhoven (Human Security Collective)
16:45
End of day 1

10. Programme Thursday 21 September
Time
Subject
Lecturer
9:00
Dynamic relations between financial inclusion and financial stability
Ron Jongen (DNB)
9:45
Challenges of FME financing in emerging and developed markets
Gerd Junne (Network University)
10:30
Best efforts in organizing and promoting inclusive finance
Josien Sluijs (NpM, Platform for inclusive finance)
11:15
Coffee/tea
11:45
Financial inclusion and social (impact) finance
Cristina Rossi (University of Turin)
12:30
Lunch
14:00
Digital innovation, governance and accessibility in retail payments
Michiel van Doeveren
14.45
Financial inclusion for the youth
Wessel van Kampen (CYFI)
15.30
16:00
Panel session of Financial inclusion and consumer protection for target groups
Petra Hielkema
(moderator)
17:15
Boat trip through the Canal Belt of Amsterdam
19:00
End of day 2

11. Programme Friday 22 September
Time
Subject
Lecturer
9.00
Pension funds, sustainability and financial inclusion
Patrick Corveleijn (DNB)
9:30
Fintech, digital innovation and financial inclusion
Don Ginsel (HollandFintech)
10.00
Country/case presentations
Bangladesh/Sri Lanka
Uganda/Ukraine
11.00
Coffee/tea
11.15
Working Groups
Michiel van Doeveren and Ayse Sungur
12.15
- Results of the working groups
- Official ceremony of the distribution of the certificates
12.45
Lunch
13:30
Social programme in the Hague: Holland Inclusive (including dinner)
23.00
Arrival in Amsterdam