Introducing our Digital Financial Inclusion Supervision COP Facilitators/ PPrésentation des facilitateurs de la Communauté de Pratique Digital Financial Inclusion Supervision
Categories : Blog
Posted:
Author: Keneilwe Tsotsotso
The Digital Financial Inclusion Supervision program was created through a partnership between Digital Frontiers Institute, Toronto Centre and CGAP with support from The Bill and Melinda Gates Foundation to provide practical and comprehensive learning experience to facilitate building of a framework for effective supervision of current and emerging risks to promote digital financial inclusion.
The COVID-19 pandemic has emphasized the need to accelerate the access and usage of digital financial services (DFS). Furthermore, there is an increased need for appropriate gender-sensitive and inclusive regulation & supervision of DFS. While the ecosystem of players needed to advance financial inclusion, especially for women, is vast, the focus of the DFIS program is on financial supervisors who are often overlooked. Several emerging markets and developing economies have made good progress in building enabling regulatory frameworks for DFS, but this is not enough. Supervision is essential for the effective compliance and enforcement of regulations and to ensure that digital financial service providers (DFSPs) identify, manage and mitigate their risks as well as comply with minimum regulatory requirements. Without effective supervision, DFSPs may take excessive risks that could jeopardize financial and gender inclusion, consumer protection, financial integrity and/or financial stability.
This new program for supervisors and regulators only began in July 2021 and as part of the program we have introduced new regional Community of Practices in the following regions: West Africa, East Africa, Southern Africa, and Asia.
We are excited to introduce our newly appointed regional COP facilitators that are highly knowledgeable professionals, with years of experience working as regulators or supervisors with strong knowledge on DFS supervision that aligns financial inclusion and financial stability.

Jacinta Anyinge- East Africa
Is a corporate lawyer with over 15 years’ experience in financial sector regulation, 11 years of which as in-house counsel at the Central Bank of Uganda. Her career focus has been to contract negotiation and drafting; provision of regulatory strategy that identifies and addresses gaps in the financial sector; regulatory policy development; drafting financial sector laws, regulations and guidelines; provision of legal and regulatory advice on financial sector issues, licensing, regulatory compliance; network growth and stakeholder relations. She has a Master of Laws in Corporate and Financial Services Law (National University of Singapore); a Master of Laws in Law and the Global Economy (New York University School of Law); and a Bachelor of Laws Degree (Makerere University Kampala).
Md Ashraful Alam
Has worked in the financial sector regulator and development finance professional with more than 25+ years of experience in delivering results in the private, public, and the development sector in designing and implementing development programs with a particular focus on financial inclusion, regulation, MSME and entrepreneurship development, Digital Economy, and Digital Financial Services. He has worked with an international network of financial sector regulators ‘Alliance for Financial Inclusion (AFI)’ as a working group chair and represented Bangladesh in global forums on MSME development and financial Inclusion.
Ashraful has a strong understanding and demonstrated ability in financial sector regulation, regulatory reform, policy advocacy, Digital Economy, innovation around development finance and financial services, financial services products, financial inclusion, and private sector development.
He is currently working in the central bank of Bangladesh –the Bangladesh Bank and he focuses on Financial Inclusion Digital Financial Services, Inclusive Digital Economy and market-based innovations, MSMEs development, and Future Thinking in the financial services space.
Charity Luchembe Chikumbi- Southern Africa
Director – Policy and Digital Financial Services at FSD Zambia working on policy and regulatory support. She undertakes the full range of activities related to advocacy and implementation support of new policies, practices and regulations for digital finance in Zambia by supporting the Bank of Zambia (BoZ), Ministry of Finance (MoF), Zambian Information, Communications and Technology Authority (ZICTA),etc. She also works with the DFS Market, all types of Financial Service Providers and FinTechs, aggregators, accelerators and innovators.
Charity has many years of experience as a central banker at Bank of Zambia in various divisions including twelve years in Payment Systems. Her roles in Payment Systems Division ranged from operations of the RTGS and oversight of the National Payment Systems with a view of ensuring that all payment systems, participants, businesses adhered to the prescribed regulations and observed international best practices.
She has been facilitating the Lusaka DFI Community of Practise for five years. leading to over 250 graduates and facilitates FINTECH Challenges, one at SADC level. She has also been a resource for two Toronto Centre trainings with the Bank of Zambia.
She is Certified Digital Finance Practitioner (FLETCHER University) and a facilitator for) where she pioneered an Association of DFS Experts. She received an MBA from Nelson Mandela Metropolitan University, holds a BSc in Computing (Hons.) from Greenwich University and many other professional trainings, including MEFMI courses that exposed her to networks in Southern Africa.

Temitope Akin-Fadeyi -West Africa
Is the head, Micro Credit Office, Development Finance Department at the Central Bank of Nigeria (CBN). She oversees the Bank’s intervention programmes aimed at boosting access to finance to critical sectors of the economy, with a priority focus on the youth segment and growing businesses.
She was the pioneer Head of the CBN Financial Inclusion Secretariat where she led the implementation of the National Financial Inclusion Strategy and championed high-level engagements with public/private sector stakeholders, facilitating policy and market innovations to advance financial inclusion in Nigeria.
Temitope thrives on value creation through a unique blend of practitioner; policymaker and consumer perspectives, leveraging over 20 years of hands-on experience from retail banking, microfinance and regulatory institutions. She is a strong advocate for the elimination of barriers that hinders the economic citizenship of people.
Her laudable contributions to the advancement of inclusive finance has been widely recognized; with various international and industry awards including the 2019 Financial Inclusion Person of the Year (Female), Top 30 Leading Women in Nigeria’s Financial Technology Industry, Excellence in Financial Inclusion Initiatives and the Rotary Award of Exemplary Performance in the provision of Financial Services to the Rural Poor in Nigeria.
**************************************************************************************************************************************************************************************

Jacinta Anyinge-Afrique de l’Est
Une juriste d’entreprise avec plus de 15 ans d’expérience dans la réglementation du secteur financier, dont 11 ans en tant que juriste interne à la Banque centrale d’Ouganda. Sa carrière a été axée sur la négociation et la rédaction de contrats, l’élaboration d’une stratégie réglementaire qui identifie et comble les lacunes du secteur financier, l’élaboration de politiques réglementaires, la rédaction de lois, de règlements et de lignes directrices dans le secteur financier, la fourniture de conseils juridiques et réglementaires sur des questions liées au secteur financier, l’octroi de licences, la conformité réglementaire, la croissance du réseau et les relations avec les parties prenantes. Elle est titulaire d’une maîtrise en droit des sociétés et des services financiers (Université nationale de Singapour), d’une maîtrise en droit et économie mondiale (École de droit de l’Université de New York) et d’une licence en droit (Université Makerere de Kampala).

Md Ashraful ALAM- Asie
A travaillé dans le secteur financier en tant que régulateur et professionnel du financement du développement avec plus de 25 ans d’expérience dans l’obtention de résultats dans le secteur privé, public et du développement dans la conception et la mise en œuvre de programmes de développement avec un accent particulier sur l’inclusion financière, la réglementation, le développement des MPME et de l’entrepreneuriat, l’économie numérique et les services financiers numériques. Il a travaillé avec un réseau international de régulateurs du secteur financier, l’Alliance for Financial Inclusion (AFI), en tant que Président d’un groupe de travail et a représenté le Bangladesh dans des forums mondiaux sur le développement des MPME et l’inclusion financière.
Ashraful a une forte compréhension et une capacité démontrée dans la réglementation du secteur financier, la réforme réglementaire, la défense des politiques, l’économie numérique, l’innovation autour du financement du développement et des services financiers, les produits et services financiers, l’inclusion financière et le développement du secteur privé.
Il travaille actuellement à la banque centrale du Bangladesh – la Bangladesh Bank – et se concentre sur l’inclusion financière, les services financiers numériques, l’économie numérique inclusive et les innovations basées sur le marché, le développement des MPME et la réflexion sur l’avenir dans le domaine des services financiers.
Charity Luchembe Chikumbi-Afrique Australe
Directrice de la Politique des Services Financiers Numériques à FSD Zambie, où elle s’occupe du soutien politique et réglementaire.Elle est responsable de l’ensemble des activités liées au plaidoyer et au soutien à la mise en œuvre de nouvelles politiques, pratiques et réglementations pour la finance numérique en Zambie, en soutenant la Banque de Zambie (BoZ), le ministère des Finances (MoF), l’Autorité zambienne de l’information, des communications et des technologies (ZICTA), etc. Elle travaille également avec les acteurs de l’écosystème des services financiers numériques (SFN), tous les types de fournisseurs de services financiers et de FinTechs, les agrégateurs, les accélérateurs et les innovateurs.
Charity a de nombreuses années d’expérience en tant que banquière centrale à la Banque de Zambie dans diverses divisions, dont douze ans dans les systèmes de paiement. Ses responsabilités dans la division des systèmes de paiement allaient des opérations RTGS à la supervision des systèmes de paiement nationaux en vue de s’assurer que tous les systèmes de paiement, les participants, les entreprises et tous les autres acteurs des services financiers numériques adhèrent aux réglementations prescrites et observent les meilleures pratiques internationales.
Elle est titulaire d’un MBA de la Nelson Mandela Metropolitan University, d’un BSc en informatique (Hons.) de la Greenwich University et de