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Capturing the Unbanked in the Digital Age

One-fifth of the world’s population is unbanked. Through the introduction of new technologies, financial institutions have begun to eliminate the hurdles that stop people from entering the financial world ­– whether it be lack of trust, onboarding friction, or accessibility. In this session, we will discuss how digital transformation can turn formerly unbanked individuals into valued members of the financial world by increasing financial inclusion and economic growth for all.


Darren Easton | Head of Underserved Strategy | BMO Harris Bank

Darren Easton leads the underserved strategy at BMO Harris Bank. His role focuses on identifying products and services that help those you are financially struggling make real financial progress. Prior to joining BMO Harris, he was a Senior Director at the Financial Health Network (previously CFSI) where he worked with some of the world’s largest and most innovative companies on defining and operationalizing financial health strategies. Darren also served as the policy advisor for the Wisconsin Housing and Economic Development Authority, advising the executive director and governor on state economic and housing issues. Darren holds a B.A. in History and a minor in Black World Studies from Miami University.

Donna Embry | SVP, Global Payments Strategy | Evolve Bank & Trust

As of 2021, Donna Embry has 55 plus years of experience in the payments industry and currently serves as SVP, Global Payments Strategy for Evolve Bank & Trust. In addition, Donna serves as President of Embry Consulting, LLC. Her prior executive positions include Chief Payments Officer for Payment Alliance International (PAI); Executive Vice President, Product and Marketing for Vital Processing (TSYS Acquiring) and Senior Vice President, Electronic Banking for PNC Bank, as well as Chief Operations Officer for PNC’s former division, CFC Financial Services. She authored the first ETA publication, The Encyclopedia of Terminology for the Acquiring Industry, and developed/taught the inaugural introduction series of classes for ETA University.

Tom Walsh | Account Director | Ekata

Tom Walsh is an Account Director with Ekata’s Financial Services team, specializing in data-driven risk assessments powered by dynamic, probabilistic datasets. Tom helps companies optimize their onboarding process to create equity with the underbanked, democratize financial access, and stop fraud before damage is done. Prior to joining the Financial Services arm, he led Ekata’s Solutions Architecture team, developing a statistical science-based approach to evaluating vendors and fraud solutions.

Lamine Zarrad | SVP | ZenBusiness

Lamine Zarrad is the SVP, Financial Services at ZenBusiness PBC. He began his entrepreneurial journey shortly after immigrating to the United States then going on to serve in the U.S. Marines. He then built an expertise around banking regulations and financial services through work at Merrill Lynch and the U.S. Treasury’s Office of the Comptroller of the Currency. Lamine co-founded Joust in 2017, which was acquired by ZenBusiness in 2020. Lamine combines his passion for inclusion and product innovation skills to build the ZenBusiness platform.


Bradley Cooper | Editor | ATM Marketplace

Bradley Cooper is the editor of ATM Marketplace. He was previously the editor of Digital Signage Today, Kiosk Marketplace and Blockchain Tech News. His background is in Information Technology, Advertising, and Writing.

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