12 Research on the effect of early childhood education is surveyed in Elango and others (2015). Garcia and others  (2017) consider the effect over the full life cycle of an early childhood program targeting disadvantaged families and estimate an internal rate of return of nearly 14 percent.
I am happy to note that this is a collaborative effort by banking and academic and research institutions. As I will explain, the selected topic of the conference is not just on an apt and very contemporary issue, it also needs theoretical explanation, well researched solutions for practical use by banks. Hence, coming together of the three types of entities is very welcome. 2.