Lotte Schou-Zibell

Advisor, South Asia Department, ADB

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.

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

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

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

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

Small businesses need targeted support in order to survive the pandemic. Photo: ADB

Small Business Solutions for Pandemic Challenges

Crafting small business support efforts to specific country circumstances could help save millions of livelihoods in poor communities and fortify economies against future shocks.

Lotte Schou-Zibell

In Georgia, blockchain technology is being used to improve land registry. Photo: ADB

Is Blockchain a Good Bet for Development?

Blockchain technology offers great promise and great risk. We need to better understand how it works and how to use it safely and effectively.

Lotte Schou-Zibell, Nigel Phair

Remote communities in the Philippines are gaining access to banking services through the use of cloud-based technology. Photo: ADB

Creating a Digital Path for the Unbanked

In the Philippines, cloud-based technology is being used to address the financial exclusion that helps fuel poverty and inequality.

Lotte Schou-Zibell