Capital is the fuel of innovation, entrepreneurship, and community growth—but access to that fuel remains uneven. Small businesses create nearly two-thirds of net new jobs in the U.S., yet minority- and women-owned businesses are still approved for loans at rates 20–40% lower than their peers. Globally, the unmet financing need for small and medium-sized enterprises is estimated at $5.2 trillion annually, limiting growth and widening wealth gaps. Addressing these disparities isn’t just an aspirational goal—it’s a strategic one: research shows that closing the credit gap could add millions of jobs and unlock billions in economic activity each year.

The path forward requires innovative systems that ensure capital reaches every viable entrepreneur and community. From fintech platforms that democratize lending, to public private partnerships driving microfinance, to equity funds targeting underrepresented founders, new models are reshaping access and opportunity. This will entail practical strategies for building financial ecosystems that are more agile, transparent, and equitable—helping communities, businesses, and economies grow stronger together. By future-proofing access to capital, we can fuel innovation, close opportunity gaps, and create a more resilient economy that works for everyone.

Key Questions:

How can lenders and investors design systems that ensure capital distribution is more equitable? What role can emerging technologies like AI, blockchain, or open banking play in creating more transparent, efficient, and inclusive financial systems? What policy or regulatory changes could accelerate access to capital without compromising stability or increasing systemic risk? What innovative models—such as fintech platforms, community development funds, or public-private partnerships—are proving effective in expanding access to capital? How can we better track the economic and social returns of innovative lending and investment programs to build support and scale what works?

Financial access is more than a convenience—in an economy that’s 70% consumer spending, it’s a foundation for economic growth, upward mobility, and long-term prosperity. While technology has helped improve access, more than 1.4 billion adults worldwide remain unbanked, and many more rely on costly alternatives such as check-cashing services or payday loans. In the United States alone, an estimated 20% of households are underbanked, limiting their ability to save for emergencies, build credit, or access affordable lending. These gaps are not merely a challenge for individuals; they limit small business formation, dampen consumer spending, and slow economic growth.

Barriers to access often stem from a lack of affordable products, low financial literacy, geographic isolation, or mistrust of institutions. These challenges are especially acute in rural communities, among women and minority entrepreneurs, and in lower-income neighborhoods where traditional bank branches are disappearing. Closing these gaps could unlock billions in economic activity: studies have shown that increasing financial inclusion by just 10% can lead to a measurable boost in GDP and job creation. Ensuring access is not just a social goal—it’s a strategic investment in community and national economies.

Technology is transforming how individuals and businesses engage with financial services. Mobile banking, digital wallets, real-time payments, and AI-powered credit scoring are helping to lower barriers and reach people historically left out of the system. At the same time, these innovations bring new responsibilities for security, privacy, and equity to ensure that digital solutions close, rather than widen, the divide. Partnerships between fintech firms, established banks, nonprofits, and policymakers are proving that collaboration is key to making progress at scale. By future-proofing financial access, we can empower households to build savings, help small businesses thrive, and ensure that the benefits of economic growth reach every corner of society.

Key Questions:

What steps can financial institutions and fintech companies take to build trust in underserved communities that have historically been excluded or faced predatory practices? How can we ensure that women, rural communities, and small businesses are not left behind as financial services become increasingly digital? Which partnerships or policy changes have shown the greatest impact on widening financial access, and how can they be scaled to reach more people and regions? How can digital wallets, real-time payments, and AI-driven credit scoring increase access to affordable credit while maintaining fairness and security?

Aspiration is the engine of upward mobility and economic progress—but today, many communities are grappling with shrinking optimism. Studies show that fewer than 50% of young Americans believe they will be better off than their parents, a sharp decline from previous generations. This erosion of belief doesn’t just dampen individual dreams; it stifles entrepreneurship, innovation, and workforce participation—limiting the economic potential of entire communities. Research indicates that regions with higher levels of educational attainment and aspirational confidence see faster GDP growth and lower unemployment, underscoring that cultivating ambition isn’t just motivational—it’s economically transformative.

Future-proofing aspiration means connecting belief with access—ensuring that pathways to education, wealth-building, entrepreneurship, and social mobility are visible and attainable. Programs that pair mentorship with skill-building and financial literacy have been shown to boost small business formation, household savings, and long-term earning potential. This session will explore how businesses, educators, policymakers, and community leaders can collaborate to inspire confidence, expand opportunity, and nurture a culture of possibility—transforming personal aspirations into engines of growth that benefit individuals, families, and entire economies.

Key Questions:

How can businesses, educators, and policymakers better align programs that connect skills, mentorship, and financial literacy to real economic opportunities? How can stories of success—especially from a range of backgrounds—be used to spark aspiration and show that opportunity is within reach for everyone? How can we better track the economic and social benefits of aspiration-building programs to guide investments and policy? What strategies can be used to rebuild belief in upward mobility, especially among young people who feel left behind?

Homeownership remains one of the most powerful engines for wealth creation and community stability. Yet millions of families continue to be priced out or denied access to mortgage credit, widening the wealth gap and threatening a central pillar of the American Dream. In the United States, homeowners hold over $35 trillion in equity, which represents between 50–70% of net worth for most middle-income families. At the same time, first-time buyers face rising prices, limited inventory, and lending barriers—challenges that disproportionately affect younger, minority, and low-income households.

Persistent racial and generational disparities underscore the urgency for action: Black and Hispanic households continue to experience mortgage denial rates nearly double those of white applicants with similar incomes, and the homeownership gap between Black and white families remains close to 30 percentage points—roughly the same as it was in 1968. These inequities don’t just affect individual families; they slow small-business formation, reduce local tax bases, and limit opportunities for intergenerational wealth transfer that drives economic mobility.

Technology is also playing a critical role—streamlining underwriting, expanding alternative credit assessments, and improving access for first-generation buyers. This Idea Lab will spotlight practical solutions that rethink how people enter and sustain homeownership. We’ll explore innovations such as shared-equity models, down-payment assistance programs, credit-building initiatives, and new mortgage products that better reflect today’s workforce realities.

Participants will work alongside experts to generate actionable strategies that can scale nationally and locally. The goal: to help more families not only buy homes but keep them— building equity, strengthening communities, and ensuring that homeownership remains a cornerstone of opportunity for generations to come.

Key Questions:

What innovative financing tools show the most promise in helping first-time and historically excluded buyers enter the market? How can we address disparities in mortgage approvals to close the homeownership gap and increase intergenerational wealth building? Beyond financing, what creative approaches to increasing housing supply could help keep homeownership within reach for working families? What policies or products can help families not just buy a home but keep it during periods of economic volatility, rising interest rates, or unexpected hardship? How can lenders, developers, community organizations, and policymakers better collaborate to scale solutions that make homeownership more affordable, equitable, and sustainable nationwide?

Work is changing faster than ever before. Automation, artificial intelligence, and shifting global markets are redefining job roles, skill requirements, and even where and how we work. While these advances promise productivity and new opportunities, they also risk leaving behind workers and communities who are unprepared to adapt. Nearly 40% of global jobs are expected to be disrupted or transformed by automation in the next decade, with the greatest impact on routine and entry-level positions.

The future of work will be shaped by our ability to close the widening gap between the skills employers need and the training workers receive. Today, more than 50% of U.S. employers report difficulty finding qualified talent for open positions, even as millions of workers remain underemployed. These mismatches limit productivity and wages, slowing both individual advancement and economic growth. Addressing these challenges is essential not just to compete globally but to ensure shared prosperity at home.

Immigration is also central to the future of work, helping fill critical labor shortages in healthcare, technology, agriculture, and other essential industries. With an aging domestic workforce and declining birth rates in many regions, immigrant workers are often key to sustaining economic growth. Recent data show that immigrants have driven nearly half of U.S. workforce growth over the past decade. Leveraging immigration thoughtfully—through skills based visa programs, pathways to credential recognition, and equitable workforce integration—can strengthen competitiveness while meeting labor market needs.

Key Questions:

As AI automates routine tasks, which new skills and roles will be most in demand, and how can employers, educators, and policymakers collaborate to upskill existing workers quickly and effectively? Considering labor shortages in fields like healthcare, logistics, and advanced manufacturing, how can immigration policy and skills-based visa programs complement Ai driven workforce analytics to fill critical gaps? Will the demand for workers in the trade industries improve social mobility while upending the value of college degrees? How can immigration policy, skills-based visas, and faster credential recognition for foreign-trained workers help fill critical labor shortages and strengthen economic competitiveness?

Strong health and well-being are both markers of thriving societies and essential drivers of economic strength. Yet, chronic conditions, mental health challenges, and preventable diseases continue to strain healthcare systems and limit productivity. These challenges are even more pronounced in rural and low-income areas, where access to quality care and preventive resources lags significantly. Studies show that communities with limited access to healthcare can experience life expectancy gaps of more than 10 years compared to more affluent regions, underlining the urgent need for inclusive, scalable solutions. Globally, improving workplace health and well-being could unlock up to $11.7 trillion in economic value, highlighting the immense return on investing in people.

The path forward lies in expanding access to preventive care, addressing mental health openly, and building inclusive wellness systems that serve all communities—urban, suburban, and rural alike. Advances in technology, from telehealth platforms to mobile diagnostics and Ai powered health tools, are helping extend quality care to hard-to-reach populations.

Workplace wellness programs alone have been shown to return over $3 for every $1 invested through reduced healthcare costs and absenteeism, while closing the global women’s health gap could add $1 trillion annually to the global economy by 2040. This session will explore practical, future-focused strategies—from mobile clinics and digital health expansion to equitable policy design—that can close gaps in care, strengthen communities, and create a healthier, more resilient society for all.

Key Questions:

How can emerging technologies like AI, digital health platforms, and wearable devices help deliver preventive care and improve outcomes? In what ways can institutions ensure that investments in health and well-being are inclusive? What innovative strategies—such as mobile clinics, telehealth, or public-private partnerships—are proving most effective in expanding care? What models are successfully normalizing and integrating mental health support? What steps can communities, employers, and policymakers take to make health and well-being a foundation for long-term societal and economic resilience?