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Banking on Cooperative Values

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Financial Inclusion/Education

Financial literacy around the world by Sicoob (Brazil)

The Global Financial Literacy Survey reveals that only 33% of adults worldwide are financially literate, with varying levels of financial literacy across countries. Men tend to be more financially literate than women, and wealthier individuals are more financially literate than poorer individuals. These gaps exist in both advanced and emerging economies. The survey emphasizes the importance of interventions, such as financial education programs, to improve financial behavior and well-being.

See below for abstract, summary, keypoints and glossary.

Guest speaker: Louize Pereira Oliveira: Supervisor at Sicoob Insititute, Brazil, Researcher at University of São Paulo, Brazil

Guest speaker: Johanne Amestonn: Director of Cooperative Strategy, Training and RSE

The (internal) perception of the Cooperative business model : The results of FNBP’s thorough survey with nearly 9000 employees from the 14 Banques Populaires by FNBP (France)

The cooperative model is at the heart of the Banques Populaires, and the members are its pillars. Since 1878, the bank’s leaders and employees embody and carry this model, at the service of our members and customers.

A first cooperative survey, carried out in the beginning of 2023, was intended for all employees of the 14 Popular Banks. Nearly 9000 answers and more than 23 000 verbatims gave us a better idea of the understanding and attachment of Banques Populaires employees to this model.

The survey also enabled us to adapt the training and information programs they ask for, in addition to the roadmap formalized by the leaders of the popular banks cooperative dynamic. The principle remains to go further together: “add strengths and multiply chances”, more than ever.

Guest speakers:

Claudio Cauzillo: Manager of Commercial and Analytical Management (GCOA)

Hernán Piceni: Head of the Commercial Management Department of the GCOA

The power of inclusion in times of crisis by Banco Credicoop (Argentina)

Banco Credicoop fosters a supportive and collaborative culture to promote the sustained growth of its role as a cooperative of social transformation.

In this sense and associated with changes in habits in the ways we connect, we understand our labor inclusion policy as one of the axes of this transformation. And we consider the reassignment of tasks and the development of new skills as a way to materialize it.

We will share our learnings in this SPARK.

Guest speaker: Ronny Ramirez Garcia: Vice President of IT and Digital Banking (Banco Cooperativo Coopcentral)

AI and Open Finance - The Key to Cybersecurity in the Financial Sector by Ronny Ramirez García (Banco Cooperativo Coopcentral)

AI and Open Finance are the technologies that are revolutionizing the financial sector.

AI can detect and prevent cyber-attacks, while Open Finance can improve the security of financial data.Together, these technologies can help financial institutions protect their clients and their cyber offenders’ data.

For example, AI can be used to analyze large quantities of data in real time and detect patterns of activity. Open Finance, on its part, can help financial institutions to compare secure form data, which can facilitate the detection of fraud and the interchange of information between institutions.

The adoption of these technologies is fundamental so that the financial sector remains secure and protected in the future.

Guest speaker: Mrs. Marie-Véronique Bryon: Senior Project Manager, Finances & Pédagogie, BPCE Group, France, & Mrs. Louize Oliveira: Financial Citizenship Supervisor, Sicoob Insititute, Brazil

Financial Education : Comparing Cases in Brazil and France

According to OECD, “Financial literacy can contribute to global economic growth and sustainable development by improving financial inclusion and well-being”.

In France, Finances & Pédagogie has the main objective to provide training programmes on financial literacy. With an experience of more than 70 years, it plays a major action in France delivering workshops on a large range of topics such as household budgeting, banking relations, consumer credit, savings, and others to all kinds of people from students to the retired, from workers to entrepreneurs, from social workers to teachers.

In Brazil, Financial Education is a topic of Public Politics. Financial Education is a transversal discipline of Brazilian regular schools, specifically for children from 6 to 14 years old. Therefore, Sicoob has launched a program called “Financinhas nas Escolas” to support teachers to introduce Financial Education at regular schools, including a Children’s Book Collection published by Sicoob Institute in Portuguese, Pomeranian, English, and Spanish.

Guest speaker: Laurence Moret: External Communication, Institutional Partnerships and Documentary Director

Crédit Coopératif: A socially committed cooperative bank

Crédit Coopératif enjoys benchmark status for entities in the social and solidarity-based economy, for enterprises in the ‘real’ economy, and for citizens sharing the same humanist vision of the world and society, stands committed with its customers/cooperative shareholders to building an economic environment that is more equitable, more solidarity-based, more locally present, and more respectful of the natural environment.

Guest speaker: Clarisse Simonek: ESG Advisor and Specialist, Co-Founder WeESG

ESG's Biodiversity, the next climate for financial institutions

Biodiversity is the new Climate: The Dutch Bank conducted a review of the exposure of the Dutch financial system to biodiversity loss. The results were surprising.

The G7 recently nodded to a global framework against which corporates and financial instructions would report on how they are mitigating the risk of biodiversity loss. The framework, TNFD, is the ‘sister’ of the TCFD, Taskforce on Climate-Related Financial Disclosures, which is increasingly made mandatory by various financial regulators.

Biodiversity could become the next climate for financial institutions.

Join us to understand why, how, and most importantly, the potential implications for risk management and commercial opportunities.

Guest speaker: Tariq Noori: Department Head Group Strategy / Sustainability, DZ BANK, Germany, Panel member of the Green and Sustainable Finance Cluster.

Financial Sustainability - How can Sustainable transformation of our economy succeed?

DZ BANK’s Key Role to play in the Sustainability Transformation of the Real Economy. As the topic of Sustainability has grown continuously over the past decades; it seems vital for cooperative and popular banks to also focus on how they can support Customers and the Economy while complying to Regulatory basis.

However, a sustainable economy can only succeed if the green transformation encompasses all sectors and companies with a holistic approach:
Ø Focusing solely on already green companies, economic activities and technologies is misleading, as this approach does not contribute to solving climate change
Ø Raising awareness on CO2-intensive industries and technologies that still account for the largest share of CO2 emissions and thus also of climate change (e.g. energy sector, cement industry)

Guest speaker: Dr. Jonathan Fell: Data Scientist, DZ BANK AG, Germany

Data Analytics Journey - Explainable AI

While the penetration of the internet and mobile devices has increased significantly in the last decade, the use of sophisticated mobile applications is still highly concentrated in banking.

Trust is essential if we want end users such as data analysts, traders or credit analysts to employ the predictions of AI/ML-models and in order to create trust in these models, their results need to be explained to a certain degree.

In this talk, we present some techniques to explain whitebox models or “opaque” models and approximations that allow for the explanation of blackbox models.

Guest speaker: Ronny Ramirez Garcia: Vice-President of Operations and Technology, Banco Coopcentral, Colombia

How to boost digital development: Lessons learned from the Covid crisis

The key today is to continue generating income to sustain itself in the market and one way for this is the digitization of processes. However, for many traditional banks this may become impossible without the proper accompaniment and support to make the journey less painful.

The case of Coopcentral seeks the importance of joining and coordinating efforts with technological allies. The country’s Fintech sector has been very active in providing digital solutions, in Coopcentral training in digital tools, teleworking, digital marketing and new technologies has been worked, complementary to the training of associate members. Likewise, they established strategies to promote virtual business, creating a business center where our clients can carry out all business operations online, and giving access and support to cooperatives to access the digital world.

Guest speaker: Dr. Nicole Schmidt: Advisor of the Office of the Board, DZ BANK AG, Germany

SUSTAINABILITY IN THE BANKING SECTOR: INSIGHTS FROM DZ BANK AG

Climate change and sustainability more broadly, have become global mega-trends, a notion even true for the financial world.

How do banks integrate and coordinate efforts to deliver on sustainability? What are common challenges they face? How do they overcome them?

This talk will explore these questions by looking at the way in which the DZ BANK is currently developing its sustainability agenda, reflecting – from a practitioner’s perspective – on the regulatory developments at the EU level, global sustainability-reporting initiatives and ESG ratings.

Guest speaker: Marc-André Malboeuf: Vice-President HR, DESJARDINS Group, Canada

PROMOTING DIVERSITY AND INCLUSION BY DESJARDINS GROUP

Desjardins Group shared with us the initiatives they are taking to promote diversity and inclusion within the organization.

Diversity and Inclusion at Desjardins it is an important matter for a number of reasons: to be a representative of their community and clients; facing a social portrait in constant evolution; workforce shortage tends to become a permanent reality on the job market; organizations with a culturally diversified workforce are 35% more likely to deliver a superior performance.

Conscious of the women challenges, Desjardins Group shared with us the programs they implemented to propel female leadership within the organization.

Guest speaker: Patrick steiner: Innovation & Digital Consultant, DZ BANK AG, Germany

INSIGHTS FROM DZ BANK AG INNOVATION LAB

Innovation Labs are increasingly an important element within banking organizations as digital disruption is at the forefront of today’s business.

Taking the insights from DZ Bank AG, we discussed what’s an Innovation Lab and why organization should care about it. We also discussed what are the expectations of this labs, how does it work and its relation with other departments and organization inside the German cooperative system.

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