Lotte Schou-Zibell

Advisor, Office of the Director General, ADB South Asia Department

Lotte provides technical leadership for innovative approaches to inclusive finance, finance sector development, and infrastructure finance; and on One ADB approach to projects. Prior to her current position, Lotte was the Regional Director of the Pacific Liaison and Coordination Office. She was also Chief of Finance Sector Group of the Sustainable Development and Climate Change Department. Prior to joining ADB, she was Director for International Economic Policy at the Swedish Ministry of Finance, a financial supervision and regulation expert at the Swedish Financial Supervisory Authority and central bank, and an IMF consultant.

Techniques borrowed from video games can help improve financial behaviors for the better. Photo: Daan Geurts

Banking on Fun: How Gamification and Nudges Can Foster Sustainable Finances

Gamification and nudges are emerging as powerful tools to engage customers, foster sustainable financial behaviors, and promote social development.

Lotte Schou-Zibell, Swati Chowdhary

Financial institutions have a major role to play in addressing climate change. Photo: ADB

The Crucial Role of Financial Institutions in Asia and the Pacific's Climate Change Battle

Climate change is hitting Asia and the Pacific hard, with many countries ill-prepared for the crisis. Yet, financial institutions stand poised to make a difference if they promote sustainable practices and receive the right support.

Lotte Schou-Zibell

Connecting the Unbanked: How the Internet of Things can Expand Financial Services

The Internet of Things—a rapidly growing network of connected devices—can help bring financial services to those most in need.

Lotte Schou-Zibell, Arndt Husar

Banks in rural and remote areas can benefit greatly from cloud-based services. Photo: ADB

Cloud Computing Can be a Key Enabler of Financial Inclusion

Cloud-based services can provide solutions for banks and other financial institutions that serve the poor and people in remote areas.

Lotte Schou-Zibell, Arndt Husar

央行数字货币自身风险较低，能在偏远地区发挥金融惠民的作用。图片来源：亚行

央行数字货币释放普惠金融强动能

政府背书的数字货币可帮助偏远社区居民摆脱传统货币的种种限制，扩大金融体系的覆盖面。

Lotte Schou-Zibell

Central bank digital currencies can help bring financial benefits to people in remote areas with less risk. Photo: ADB

Government-Backed Digital Currencies Can Be a Powerful Tool for Financial Inclusion

Government-backed digital currencies can help remote communities leap-frog the limitations of traditional currencies and get more people into financial systems.

Lotte Schou-Zibell

For many in Asia, financial inclusion begins with the phone. Photo: ADB

If Carefully Managed, “Buy Now, Pay Later” Can Bring More People into the Financial System

The popular instant credit system could be a powerful tool to help Asia’s unbanked establish credit, open bank accounts and otherwise reap the benefits of the formal financial system.

Lotte Schou-Zibell, Sarah Corley

In the Pacific, measures to prevent money laundering often inadvertently harm small businesses. Photo: ADB

Protect The Poor When Fighting Money Laundering in the Pacific

The risk of “de-risking” – the process of international banks disassociating from financial partners, such as small remittance providers and local banks – is that it could push people out of the financial system completely.

Lotte Schou-Zibell

In many countries, COVID-19 has pushed people toward the use of digital tools such as mobile devices for financial transactions. Photo: Quaid Lagan

COVID-19 Has Created Digital Opportunities in the Pacific

The pandemic is changing consumer behavior and expectations in the Pacific, particularly when it comes to using digital tools for financial transactions.

Lotte Schou-Zibell, Nigel Phair

As internet access reaches remote, poorly connected areas, governments and communities must adapt to new opportunities and problems. Photo: Chris Tagupa

The Internet is Coming – With Risks and Benefits – To New Areas in Asia and the Pacific

New digitized financial services are coming to previously poorly connected areas in Southeast Asia and the Pacific. It should be inclusive and cost effective, and serve the interests of people at large.

Lotte Schou-Zibell