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Ratana Phurik-Callebaut
Board Director / ACLEDA University Chair
ACLEDA (Cambodia)
Ratana Phurik-Callebaut, CFA is a finance and investment expert, board member and community builder. She focused on sustainability, skills and advancing Cambodia as an investment destination. She serves as an independent director of ACLEDA Bank and Chair of the Board of ACLEDA University of Business. Founder of the CFA Community in Cambodia and the Women in Finance Group, she connects people, ideas and institutions to support professional growth and investment. She previously served as Director of EuroCham Cambodia.
Speaking at the summit
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3:30–5:00pmSun 15 NovRoundtableOpenModerator
Phsar - Finance That Reaches People
The missing majority: Designing Finance for informal Economies
About this session
Much of the world's workforce earns outside formal payroll systems. Income can arrive daily, seasonally or irregularly, while many savings, credit, pension and insurance products still assume a stable monthly salary. Informal workers are therefore not a marginal customer segment; in many emerging markets they are the economy's centre of gravity. Digital payments and alternative data have made it possible to build financial histories for people previously invisible to formal institutions, but access alone does not guarantee trust or sustained use. The roundtable compares products and distribution models designed around irregular income and asks what makes an informal worker continue using a formal financial product after the first transaction.
