Andrew is a Senior Financial Sector Economist within ADB’s Public Finance and Financial Markets Group, with over 25 years of experience working in emerging economies. He is currently responsible for designing and implementing major policy-based programs and advising governments on financial markets transformation across Central and West Asia.

Tyme is the technology and solutions firm powering Tyme Bank, the first digital bank in South Africa with now 3 million customers. Rachel Freeman is an experienced and internationally recognized financial expert, particularly in the areas of financial inclusion and innovative financial technologies. Before joining Tyme, Ms. Freeman served as the IFC Financial Institutions Advisory Manager for Asia since 2014.