
Tutorial Outline:
This tutorial provides an overview of how fintech has become an important driver of financial inclusion and innovation in emerging and developing economies. It explains the key factors behind fintech growth, including large unbanked populations, expanding internet access, mobile-first consumer behaviour, younger demographics, and the digital acceleration brought about by the COVID-19 pandemic. The tutorial introduces different fintech ecosystem models and examines how they evolve under varying institutional, regulatory, and technological conditions. Using examples from Latin America, ASEAN, Africa, and South Asia, it highlights how supportive regulatory frameworks, digital public infrastructure, startup ecosystems, and mobile technologies have shaped fintech development. Particular attention is given to initiatives such as Brazil’s Open Banking regulation and India’s Unified Payments Interface (UPI), which demonstrate how policy-driven digital infrastructure can accelerate innovation, interoperability, and financial inclusion. The tutorial also discusses common challenges across fintech ecosystems, including fragmented markets, uneven regulatory capacity, persistent digital divides, and infrastructure limitations. In addition, it outlines policy approaches needed to support inclusive and responsible fintech growth. For ASEAN, regional initiatives such as the ASEAN Regional Payment Connectivity and the Digital Economy Framework Agreement present important opportunities to deepen integration and expand cross-border fintech services. Overall, the tutorial emphasises the importance of aligning fintech development with financial inclusion objectives to support sustainable and inclusive economic development.
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Dr. Giulia Ajmone Marsan is an internationally recognised expert in innovation strategy and ecosystem development. With extensive experience in economic analysis, policy advisory, research, and capacity building, she specialises in innovation, technology, entrepreneurship, and startup creation. Throughout her career, she has advised a wide range of public- and private-sector leaders, including senior policymakers, government officials, international organisations, and key stakeholders worldwide. Her work spans Africa, ASEAN, the European Union, the Indo-Pacific, MENA, North America, and Latin America, and includes collaborations with Chambers of Commerce and Industry Associations, the OECD, UN agencies, the European Commission, the G20, and multilateral development banks. Giulia is the inaugural Secretary General of United Afro Experts for Innovation (UAEFI), a newly established organisation dedicated to fostering innovation and entrepreneurship across high-growth markets. Until 2026, she served as Head of Startups and Digital Inclusion at the Economic Research Institute for ASEAN and East Asia (ERIA). Prior to her roles at UAEFI and ERIA, Giulia worked as an Innovation Economist at the Organization for Economic Co-operation and Development (OECD). Giulia has been actively contributing to the G20 since Indonesia’s G20 Presidency in 2022. Since the establishment of the G20/Startup20 engagement group, she has played an active role in shaping its agenda and priorities. In 2022, she worked closely with the Indonesian Ministry of Communication and Informatics to lead the G20 Digital Innovation Network in Bali. In 2023, she was appointed Co-Chair of the G20/Startup20 Inclusion Task Force under India’s G20 Presidency. In 2024, she became a member of the G20/Startup20 ESG Task Force under Brazil’s G20 Presidency, and in 2025, she served as a Member of the G20/Startup20 International Secretariat under South Africa’s Presidency. Giulia is a member of the World Economic Forum (WEF) Strategic Intelligence Community and Expert Network, an Associate of the Edinburgh Futures Institute (EFI) in the UK, and a member of the BOLD Community, a global network of leading innovators in business, research, policymaking, and the creative industries across continents, developed by the Austrian Federal Economic Chamber (WKO). Until February 2025, she served as Chair of the Steering Committee of the OECD Entrepreneurship Education Collaboration and Engagement (EECOLE) Initiative. In 2025, she served as a member of the Sustainable Business COP, a new global alliance promoting sustainable business practices under COP30, led by the Brazilian National Confederation of Industry (CNI). Giulia has actively participated in and led numerous high-level panels alongside leading academics, policymakers, and senior business leaders. She has authored and co-authored numerous publications, including highly cited academic articles and influential research reports. Her op-eds are regularly featured in leading international media outlets. She also lectures occasionally on science, technology, and innovation policy and trends at leading global universities. Giulia holds both a Bachelor’s and a Master’s degree in Applied Mathematics from the Polytechnic University of Turin, Italy, and a PhD in Applied Mathematics and the Economics of Complex Systems, jointly awarded by the École des Hautes Études en Sciences Sociales (EHESS) in Paris, France, and the IMT School for Advanced Studies in Lucca, Italy. |
ICEDEG 2026
8 - 10 July 2026
Lisbon, Portugal
We are ICEDEG - a series of conferences organized annually in the area of eDemocracy & eGovernment.
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