{"id":3128,"date":"2025-06-02T13:21:28","date_gmt":"2025-06-02T05:21:28","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3128"},"modified":"2025-06-02T13:21:28","modified_gmt":"2025-06-02T05:21:28","slug":"%e9%87%91%e8%9e%8d%e7%a7%91%e6%8a%80%e5%a6%82%e4%bd%95%e6%8e%a8%e5%8a%a8%e5%ad%9f%e5%8a%a0%e6%8b%89%e6%94%af%e4%bb%98%e9%9d%a9%e6%96%b0%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/06\/02\/%e9%87%91%e8%9e%8d%e7%a7%91%e6%8a%80%e5%a6%82%e4%bd%95%e6%8e%a8%e5%8a%a8%e5%ad%9f%e5%8a%a0%e6%8b%89%e6%94%af%e4%bb%98%e9%9d%a9%e6%96%b0%ef%bc%9f\/","title":{"rendered":"How Fintech is driving payments innovation in Bangladesh"},"content":{"rendered":"<p>FinTech has played a key role in revolutionising payments in Bangladesh, driving change mainly through the following ways:<\/p>\n<h3>1. <strong>Popularity of mobile payments<\/strong><\/h3>\n<ul>\n<li><strong>Leadership of bKash<\/strong>: As the largest mobile financial services provider in Bangladesh, bKash reaches a large number of unbanked people by enabling money transfers, payments and savings services through mobile phones.<\/li>\n<li><strong>Government cooperation in Nagad<\/strong>: Nagad, in partnership with the postal sector, offers low-cost account opening and instant services, accelerating the process of financial inclusion.<\/li>\n<\/ul>\n<h3>2. <strong>Digital banking and the correspondent banking model<\/strong><\/h3>\n<ul>\n<li><strong>Branchless banking<\/strong>: Through Agent Banking, financial institutions use local agents to provide access to money, remittances and other services in rural areas.<\/li>\n<li><strong>Digital Wallet Integration<\/strong>: Combine traditional banking with digital wallets to enhance user convenience.<\/li>\n<\/ul>\n<h3>3. <strong>Cross-border payment optimisation<\/strong><\/h3>\n<ul>\n<li><strong>Blockchain technology pilot<\/strong>: Explore blockchain to reduce the cost and time of overseas labour remittances (e.g. Malaysia-Bangladesh corridor).<\/li>\n<li><em>Rocket<\/em>Competition from other services has driven down fees.<\/li>\n<\/ul>\n<h3>4. <em>Regulatory sandboxes support innovation<\/em><\/h3>\n<p>Bangladesh's central bank has launched a test environment allowing businesses to experiment with new payment solutions such as biometric authentication, balancing risk and innovation.<\/p>\n<h3>5. <em>QR code and contactless payment<\/em><\/h3>\n<p>Dhaka and other cities gradually roll out code-sweeping payments, small merchants start accepting them<em>Upay<\/em>and other platforms for QR code payments.<\/p>\n<hr>\n<h4>Challenge:<\/h4>\n<ul>\n<li><em><strong>network coverage<\/strong><\/em>Impact on use in remote areas<\/li>\n<li><em><strong>user education<\/strong><\/em>Ongoing investment needed to increase trust<\/li>\n<\/ul>\n<p>The future is expected to further deepen financial inclusion with the expansion of 5G and the adoption of AI wind control.<\/p>\n<h3><strong>Fintech Deepens Future Path of Payment Innovation in Bangladesh<\/strong><\/h3>\n<p>With the initial success of mobile payments and digital banking, fintech development in Bangladesh is entering a deeper phase of change. The following are key trends and potential breakthroughs for the future:<\/p>\n<hr>\n<h2><strong>1. Artificial Intelligence (AI) and big data-driven personalised financial services<\/strong><\/h2>\n<ul>\n<li><strong>Intelligent Risk Control<\/strong>: Using AI to analyse user transaction data to detect fraud (e.g. bKash has started piloting machine learning models).<\/li>\n<li><strong>Credit Scoring Innovation<\/strong>: Microfinance for people without credit through non-traditional data such as mobile phone usage records, bill payment history, etc. (similar to India)<em>Jai Kisan<\/em>(Mode).<\/li>\n<li><em>Chatbot Banking Services<\/em>: Local businesses such as Dutch-Bangla Bank have launched AI customer service to reduce labour costs and improve efficiency.<\/li>\n<\/ul>\n<hr>\n<h2><strong>2. Central Bank Digital Currency (CBDC) exploration<\/strong><\/h2>\n<ul>\n<li>The Central Bank of Bangladesh (CBB) has initiated a research project on \"Digital Taka\" to test the application of wholesale CBDC for inter-bank settlement.<\/li>\n<li><em>Potential advantages<\/em>: Reduce cross-border remittance delays, reduce cash dependence (cash still accounts for more than 20% of GDP).<\/li>\n<\/ul>\n<hr>\n<h2><strong>3. The Rise of the SuperApp Ecosystem<\/strong><\/h2>\n<p>Local platforms such as<em><strong>Pathao<\/strong><\/em>(Travelling + Paying),<em><strong>ShopUp<\/strong><\/em>(B2B services for small and medium-sized merchants) is integrating payment functions to form a \"one-stop\" portal to the digital economy.<\/p>\n<blockquote>\n<p>\ud83d\udccc <em>case (law)<\/em>: The success of AirAsia's BigPay in Malaysia suggests that a combined e-commerce\/social super-wallet could be the next growth area.<\/p>\n<\/blockquote>\n<hr>\n<h2><strong>4. Extension of biometric payments<\/strong><\/h2>\n<ul>\n<li><em><strong>Fingerprint\/Face Authentication<\/strong><\/em>Gradual replacement of PINs (Nagad has piloted this in some scenarios).<\/li>\n<li>Aadhaar-style National ID system tied to payments can further streamline the KYC process.<\/li>\n<\/ul>\n<hr>\n<h2><strong>5. Experimental combination of DeFi and financial inclusion<\/strong><\/h2>\n<p>Despite strict regulations, some startups try to solve it with blockchain technology:<br \/>\n\u2705 <em><strong>Agricultural supply chain financing<\/strong><\/em>--Farmers get fast harvest advances through smart contracts<br \/>\n\u2705 <em><strong>P2P lending platform compliance<\/strong><\/em>--Reference to Indonesia<em>Akseleran<\/em>modalities<\/p>\n<p>\u26a0\ufe0f <em>challenge<\/em>: Central banks are wary of cryptocurrencies and need to balance innovation and risk.<\/p>\n<hr>\n<h3>\u25b6\u25b6 Pending problem:<\/h3>\n<table>\n<thead>\n<tr>\n<th>realm<\/th>\n<th>Main obstacles<\/th>\n<th>Possible solutions<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>network coverage<\/strong><\/td>\n<td>Unstable 4G signal in rural areas<\/td>\n<td>Government-private partnership for infrastructure expansion<\/td>\n<\/tr>\n<tr>\n<td><strong>digital divide<\/strong><\/td>\n<td>Low utilisation by elderly\/female<\/td>\n<td>Community Agents + Multilingual Voice Assistants<\/td>\n<\/tr>\n<tr>\n<td><strong>Regulatory coordination<\/strong><\/td>\n<td>Different standards for different organisations<\/td>\n<td>Establishment of a cross-sector fintech sandbox committee<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h4>\ud83d\udd2e <strong>future outlook<\/strong><\/h4>\n<p>If 5G coverage reaches 60% by 2026 (from about 30% today), coupled with a young demographic dividend, Bangladesh could replicate Kenya's M-Pesa-style \"leapfrog\" and even become one of the global benchmarks for fintech in emerging markets.<\/p>","protected":false},"excerpt":{"rendered":"<p>Fintech has played a key role in revolutionising payments in Bangladesh, mainly through...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[36],"tags":[],"class_list":["post-3128","post","type-post","status-publish","format-standard","hentry","category-36"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - 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