The Center for Financial Services Innovation (CFSI) and SourceMedia, the publisher of American Banker, convened in Miami this June 5-7, 2013 to present the 8th Annual Underbanked Financial Services Forum, bringing together leaders and innovators from across the financial services industry to explore fresh ideas for meeting the needs of underserved consumers.

As developing technology and new regulations continue to spark competition and transform the marketplace, deep consumer knowledge remains the key to success for businesses across the sector. Because of this, we put the consumer at the heart of the Forum’s agenda. Sessions were organized around the basic financial needs of every consumer: to borrow, spend, save, and plan.

With over 730 bank and credit union executives, technology entrepreneurs, retailers, investors, regulators, nonprofit providers, and consumer advocates in attendance, keynotes, panels, and interactive sessions offered an unmatched diversity of perspectives and covered a wide range of topics. During these discussions, four key themes emerged.