APrIGF 2024 Session Proposal Submission Form
Part 1 - Lead Organizer
Contact Person
Ms. Titiksha Vashist
Organization / Affiliation (Please state "Individual" if appropriate) *
The Pranava Institute
Economy of Residence
Primary Stakeholder Group
Civil Society
Part 2 - Session Proposal
Session Title
Making AI responsible for financial inclusion:
Session Format
Panel Discussion (60 minutes)
Where do you plan to organize your session?
Onsite at the venue (with online moderator for questions and comments from remote participants)
Specific Issues for Discussion
1)How can AI de-risk financial inclusion for vulnerable populations in the APAC context?
While APAC countries have leveraged the internet for financial inclusion, intra-regional disparities in financial access are among the highest worldwide. AI solutions can potentially enable increased financial access and security including micro-credit, loans to informal family enterprises, fraud detection, personalisation in financial services and overcoming traditional access barriers including literacy and language. Panelists will share practical insights about where and how AI solutions can advance financial inclusion in the APAC context both from a regulatory and a consumer protection perspective.

2) Novel challenges of deploying AI solutions in financial services
AI-solution deployment in finance is accompanied by complex challenges including data protection, trust and safety, cybersecurity, and risks of bias, AI-powered deception and manipulation and amplifying existing vulnerabilities and marginalisations. Many APAC countries do not yet have a data protection law and similar digital rights protections in place.

3) Enduring lessons from previous financial technology deployments in APAC
Given the discussion on the opportunities and challenges posed by AI for financial inclusion, panelists will share insights from their on-ground experience in deploying and researching technology deployments in financial services across diverse parts of APAC to draw lessons that could inform AI deployment for financial inclusion.

4) Way forward for APAC:Principles and safeguards for trustworthy AI for financial inclusion
Finally, the panelists will share their insights on key principles and safeguards that must be adopted to ensure the region reaps the benefits of trustworthy and secure AI-powered innovation and positive societal impact, while minimising unforeseen harms.

Audience Questions: The final part of the panel will open out for audience questions, comments and engagement.
Describe the Relevance of Your Session to APrIGF
This panel engages with the overarching theme of Evolving Ecosystems, Enduring Principles by exploring how AI is rapidly transforming the financial ecosystem in the APAC with implications for inclusion, safety and digital rights. Researchers and experts from across the APAC region will engage with the opportunities, challenges and core internet governance principles that can inform responsible AI use for deepening financial inclusion.

In the last decade, internet access has deepened financial empowerment and inclusion in the APAC region through novel digital solutions. However challenges remain with access to financial services varying widely across countries, populations and vulnerabilities including literacy, gender and forms of marginalisation. Recent AI advances could substantially deepen financial inclusion in the APAC region holding potential to enable personalised microfinance and microcredit at scale, enable credit access to underserved informal businesses and overcome access barriers including gender, literacy and language. AI solutions also hold regulatory promise in fraud detection and enabling financial regulation at scale.

Security and Trust is central theme for this panel as the finances, data and trust on the internet for vulnerable populations are at stake. How do we ensure that AI deployments in financial ecosystems are inclusive, secure, accessible, and privacy-preserving?Concerns regarding safety and trust in digital finance including data protection, cybersecurity, risks of gender bias from limited datasets, AI-powered deception and manipulation will be taken up and addressed.

Our panel also engages with core questions concerning the theme of Ethical governance of Emerging Technologies including:
1. How can we ensure a balance between regulation and innovation while navigating the use of AI for financial inclusion?
2. What internet governance principles and safeguards can enable responsible deployment of AI systems for financial inclusion?
Methodology / Agenda (Please add rows by clicking "+" on the right)
Time frame (e.g. 5 minutes, 20 minutes, should add up to 60 minutes) Description
5 Panelists introductions and introductory remarks
10 How can AI advance and de-risk financial inclusion for vulnerable populations in the APAC
10 Challenges of deploying AI solutions in the financial inclusion context
10 Key lessons from the ground in developing fintech ecosystems in the APAC
10 Way forward: Principles and safeguards for trustworthy AI for financial inclusion
15 Audience Q&A and engagement
Moderators & Speakers Info (Please complete where possible)
  • Moderator (Primary)

    • Name: Titiksha Vashist
    • Organization: The Pranava Institute
    • Designation: Co-founder, Lead Researcher
    • Gender: Female
    • Economy / Country of Residence: India
    • Stakeholder Group: Civil Society
    • Expected Presence: In-person
    • Status of Confirmation: Confirmed
    • Link of Bio (URL only):
  • Speaker 1

    • Name: Chandni Gupta
    • Organization: Consumer Policy Research Centre (CPRC)
    • Designation: Deputy CEO and Digital Policy Director
    • Gender: Female
    • Economy / Country of Residence: Australia
    • Stakeholder Group: Civil Society
    • Expected Presence: In-person
    • Status of Confirmation: Confirmed
    • Link of Bio (URL only):
  • Speaker 2

    • Name: Shelley Anderson
    • Organization: Alliance for Innovative Regulation
    • Designation: Program Director
    • Gender: Female
    • Economy / Country of Residence: United Kingdom
    • Stakeholder Group: Civil Society
    • Expected Presence: Online
    • Status of Confirmation: Confirmed
    • Link of Bio (URL only):
  • Speaker 3

    • Name: Dr. Rachel Gong
    • Organization: Khazanah Research Institute (KRI)
    • Designation: Deputy Director of Research
    • Gender: Female
    • Economy / Country of Residence: Malaysia
    • Stakeholder Group: Civil Society
    • Expected Presence: In-person
    • Status of Confirmation: Confirmed
    • Link of Bio (URL only):
  • Speaker 4

    • Name: Alex Rizzi
    • Organization: Center for Financial Inclusion, Accion
    • Designation: Senior Research Director, Consumer Data Opportunities and Risks
    • Gender: Female
    • Economy / Country of Residence: United States
    • Stakeholder Group: Civil Society
    • Expected Presence: Online
    • Status of Confirmation: Confirmed
    • Link of Bio (URL only):
  • Speaker 5

    • Name: Monami Dasgupta
    • Organization: D91 Labs, Setu
    • Designation: Head of Research
    • Gender: Female
    • Economy / Country of Residence: India
    • Stakeholder Group: Civil Society
    • Expected Presence: Online
    • Status of Confirmation: Confirmed
    • Link of Bio (URL only):
Please explain the rationale for choosing each of the above contributors to the session.
As Deputy CEO of Australia’s only consumer policy think tank, Chandni Gupta brings a strong consumer protection perspective to the question of deploying AI for financial inclusion. Chandni's research focusses on protecting customers in the digital world including the consumer shift from the analogue towards the digital economy, the impact of manipulative interface design and the key gaps that currently exist in Australia’s consumer protections. Chandni has also worked in the Australian government, the United Nations and the OECD.

Shelley Anderson brings a regulator’s perspective to technology-driven financial inclusion including AI systems, having extensive experience working with the UK’s Financial Conduct Authority. At Alliance for Innovative Regulation, Shelley has designed programs to study barriers faced by digital financial services consumers, and at how both regulators and firms can design products for inclusion. At AIR, Shelley leads work on consumer protection in India and Indonesia including solutions that create safety for rural women to interact with the financial system.

Dr. Rachel Gong, as Deputy Director of Research at Khazanah Research Institute (KRI) brings strong expertise from the Malaysian context on digital inclusion and digital governance. Dr. Rachel has worked on digital banking, digital inclusion and digitalisation of small businesses in the Malaysian context. Her research has been published in peer-reviewed journals such as Sociological Perspectives, the Journal of Consumer Culture, and the Journal of Technology in Human Services.

Alex Rizzi has worked for over a decade on evidence-based financial services including the opportunities and risks for low-income consumers from data-driven financial services.Alex manages the responsible data practices research portfolio at Center for Financial Inclusion(CFI). Prior to joining CFI, Alex was a project development manager at Innovations for Poverty Action, where she helped create its microsavings and payments innovation initiative.

Titiksha Vashist, co-founder of The Pranava Institute, has worked on the challenges posed by deceptive design in the Indian context, particularly among vulnerable communities including first-generation digital users from rural India as part of the institute's Design Beyond Deception project( has presented on deceptive design challenges in the financial inclusion context at UNIGF 2023, University of Cambridge, Financial Inclusion Week 2023 and the Center for Advanced Internet Studies, Germany.

Monami Dasgupta leads research efforts at the intersection of fintech innovations and financial inclusion in the Indian context at D91 Labs, Bengaluru( Labs has extensively worked on projects related to women and finance, DPI-led digital financial inclusion and other themes. Prior to joining D91 Labs, she was a researcher at the Household Finance Research Initiative at Dvara Research.
Please declare if you have any potential conflict of interest with the Program Committee 2024.
Are you or other session contributors planning to apply for the APrIGF Fellowship Program 2024?
APrIGF offers live transcript in English for all sessions. Do you need any other translation support or any disability related requests for your session? APrIGF makes every effort to be a fully inclusive and accessible event, and will do the best to fulfill your needs.
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