Session A2: Protecting and Empowering the Digital Consumer [14:00-15:30]
As financial services become increasingly digitized, the need for robust digital financial literacy and consumer protection has never been more urgent. While Artificial Intelligence (AI) continues to shape the delivery of financial products, it is the consumer’s ability to understand and navigate digital platforms that determines the effectiveness of these innovations. In 2023, over 70% of financial institutions adopted AI-driven tools, yet fewer than half of consumers understood how these technologies impacted their financial choices. 

This session will explore how strengthening digital financial literacy can empower consumers to make informed decisions, safeguard their financial well-being, and build trust in digital financial ecosystems. It will also examine how ethical AI, cybersecurity, and inclusive design can support consumer protection in an increasingly digital economy. Through real-world examples and storytelling, participants will gain insights into how technology can be harnessed to promote transparency, fairness, and security in financial services. Key discussions will focus on the intersection of AI, data privacy, and cybersecurity, with a focus on how improving digital literacy can empower consumers to make informed decisions and protect their financial well-being

Session B2: The Role of Microloans to Empower MSMEs and Individuals
Small and medium enterprises (SMEs) and individuals are vital drivers of economic growth, yet they often face significant barriers to accessing capital. Globally, there is an estimated $5 trillion credit gap for SMEs, limiting their potential to innovate, grow, and contribute to local economies. Microloans have emerged as a powerful tool to bridge this gap, providing accessible and affordable financing for underserved entrepreneurs and individuals. This session will explore the transformative role of microloans in empowering SMEs and individuals, highlighting innovations, challenges, and pathways to scale sustainable microfinance solutions.

Session C2: Micropensions for Sustainable Financial Security
With increasing life expectancy and uncertain economic conditions, securing future savings has become a critical priority for individuals across all income levels. Yet, over 50% of the global workforce, particularly in informal sectors, lack access to formal pension systems. Micropensions offer an innovative solution, enabling low-income earners to build long-term financial security through small, regular contributions. This workshop will explore strategies for implementing and scaling pension and micropension solutions, focusing on inclusivity, sustainability, and leveraging technology to ensure financial security for all.