Sharmista Appaya

Snr Financial Sector Specialist; World Bank Group
Sharmista is a Senior Financial Sector specialist in the Finance, Competitiveness and Innovation (FCI) Global Practice at the World Bank Group where she analyzes FinTech and its application to financial inclusion; and supports governments in emerging economies to identify key regulatory and policy challenges and solutions to enable fintech products, services and business models. She chairs the Digital ID working group under the Financial inclusion Global Initiative (FIGI) - a joint initiative of Gates foundation, UN’s ITU and the World Bank Group. Sharmista was the lead author on the G20 paper on Digital Onboarding under the Argentine Presidency. Prior to joining the World Bank, she was the Head of the Fintech Accelerator at the Bank of England in London looking at innovative firms and technologies to understand both the applications of and implications on Central Banking practices.

Sharmista's Session

Thursday, June 27
5:35 - 6:15 pm
Developing World Identity
Organizations including the United Nations and the World Bank have prioritized digital identity in the developing world in recent years – rallying around a UN “Sustainable Development Goal” to provide legal identity for all by 2030. The ability of robust digital identity infrastructure to empower individuals, protect their rights, and help them get more reliable access to services and benefits is unquestioned. Conversely, the more than one billion people across the globe lacking identity are some of the most vulnerable; if these new systems are not architected properly, there are scenarios where new identity systems might be used against them. This panel will discuss efforts to make sure that we get digital identity right in the developing world – exploring areas of promise, as well as some of the practical challenges involved with creating identity systems for those who do not have them today.

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