Three billion people are left out of, or poorly served, by the global financial system. Their lives are so much harder than they need to be. But for the first time, we have new tools that may help change this: new data sources, data analytics, mobile phones, the Internet, cloud computing, and other technologies are changing every aspect of financial services and can fundamentally transform the way we serve those who have historically been left out.

With more than thirty years’ experience working in international banking, management, and public service, I know how transformational inclusive financial services can be. They allow us to manage our day-to-day lives, seize opportunities, and cope with crises. They spur social and economic progress, building a safer, more equitable world.

Accion is a very special organization: we harness the capital markets to support entrepreneurs who are creating successful businesses, helping them solve intractable global problems. Over our history, we’ve helped build more than 110 inclusive financial service providers in 50 countries that serve tens of millions of people and small businesses. I joined Accion’s Board of Directors in 2007 and became President and CEO in 2009.

Before joining Accion, I managed Citi’s network of 100 chief country officers as President of Citigroup’s International Franchise Management. Before that, I ran Citi’s communications, philanthropy, government relations, branding, and human resources. I served as Chief of Staff at the US Securities and Exchange Commission in the Clinton Administration and in New York’s City Hall in the Dinkins and Koch Administrations. My career started in investment banking.

Outside of Accion, New York City Mayor Bill de Blasio appointed me as Chairman of the NYC Economic Development Corporation, which encourages economic growth throughout the City.