{"id":3271,"date":"2025-06-12T07:57:43","date_gmt":"2025-06-11T23:57:43","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3271"},"modified":"2025-06-12T07:57:43","modified_gmt":"2025-06-11T23:57:43","slug":"%e5%ad%9f%e5%8a%a0%e6%8b%89%e8%b7%a8%e5%a2%83%e6%94%af%e4%bb%98%e7%9a%84%e6%8a%80%e6%9c%af%e4%b8%8e%e6%b3%95%e5%be%8b%e6%8c%91%e6%88%98","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/06\/12\/%e5%ad%9f%e5%8a%a0%e6%8b%89%e8%b7%a8%e5%a2%83%e6%94%af%e4%bb%98%e7%9a%84%e6%8a%80%e6%9c%af%e4%b8%8e%e6%b3%95%e5%be%8b%e6%8c%91%e6%88%98\/","title":{"rendered":"Technical and Legal Challenges of Cross-Border Payments in Bangladesh"},"content":{"rendered":"

The cross-border payments sector in Bangladesh is facing significant technical and legal challenges along with rapid growth. The following is a professional analysis from both technical and legal dimensions:<\/p>\n

I. Technical challenges<\/h3>\n
    \n
  1. Infrastructure limitations<\/strong><\/li>\n<\/ol>\n
      \n
    • FinTech penetration is only 34% (2022 data) and 3G\/4G coverage in rural areas is less than 60%<\/li>\n
    • Low access to the SWIFT system, with only 42 banks nationwide having full cross-border settlement capabilities<\/li>\n
    • The central bank's real-time clearing system (RTGS) has a daily processing capacity cap of 50,000 strokes, making it difficult to cope with cross-border e-commerce growth averaging 27% annually<\/li>\n<\/ul>\n
        <\/p>\n
      1. interoperability gap<\/strong><\/li>\n<\/ol>\n
          \n
        • Local mobile payment platforms (e.g. bKash, Nagad) have a closed architecture and are not compatible with international payment network interfaces<\/li>\n
        • Lack of API standardisation leads to customised development of 70%'s cross-border gateway<\/li>\n<\/ul>\n
            <\/p>\n
          1. Shortcomings of the wind control system<\/strong><\/li>\n<\/ol>\n
              \n
            • Anti-fraud system false alarm rate of 181 TP3T (global average 91 TP3T)<\/li>\n
            • AML screening relies disproportionately on rule engines (83%) and lacks machine learning applications<\/li>\n<\/ul>\n

              II. Legal regulatory challenges<\/h3>\n
                \n
              1. Exchange control framework<\/strong><\/li>\n<\/ol>\n
                  \n
                • The Foreign Exchange Management Act requires all cross-border transactions to be conducted through authorised dealers (ADs)<\/li>\n<\/ul>\n

                  II. Legal regulatory challenges (continued)<\/h3>\n
                    \n
                  1. \n

                    Exchange control framework<\/strong><\/p>\n

                      \n
                    • Strict approval process<\/strong>: All cross-border payments are to be processed through Authorised Dealers (ADs) of Bangladesh Bank and transactions exceeding USD 500,000 per transaction need to be additionally reported.<\/li>\n
                    • Local currency restrictions<\/strong>: The taka (BDT) is not freely convertible, and enterprises must use US dollars or other designated foreign currencies for cross-border settlements, increasing exchange rate risks and exchange costs.<\/li>\n
                    • Forced repatriation of export earnings<\/strong>: Under the Exchange Control Regulations, exporters are required to repatriate and settle foreign exchange earnings within 120 days or face penalties.<\/li>\n<\/ul>\n<\/li>\n
                    • \n

                      Data Localisation and Privacy Compliance<\/strong><\/p>\n

                        \n
                      • The Digital Security Act 2018 requires payment data to be stored in-country and international payment platforms to deploy local servers or co-hosting solutions.<\/li>\n
                      • The lack of clear rules on cross-border data flows has led to difficulties in adapting international standards such as the EU GDPR.<\/li>\n<\/ul>\n<\/li>\n
                      • \n

                        Anti-Money Laundering\/Counter-Terrorist Financing (AML\/CFT) Stresses<\/strong><\/p>\n

                          \n
                        • FATF grey-listed country status forces tighter regulation, with new 2023 rules requiring all cross-border transactions to be accompanied by beneficial owner information (BOI).<\/li>\n
                        • Local banks' KYC digitisation rate is less than 40% and manual review slows down processing to 48-72 hours (global average 12 hours).<\/li>\n<\/ul>\n<\/li>\n
                        • \n

                          Emerging Payment Methods Blur Legitimacy<\/strong><\/p>\n

                            \n
                          • Cryptocurrencies are explicitly banned by the central bank, but P2P cross-border remittances still operate in a grey area.<\/li>\n
                          • Innovative models such as BNPL (buy now pay later) and stablecoins lack clear regulatory guidelines.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n
                            \n

                            III. Recommendations for breaking the ice<\/h3>\n
                              \n
                            1. Technology Side Solutions<\/strong><\/li>\n<\/ol>\n
                                \n
                              • tiered architecture<\/em>: Adopt dual-track design of \"local clearing layer + international protocol layer\" - e.g. the case of RippleNet interfacing with the local RTGS system.<\/li>\n
                              • Embedded Compliance<\/em>: Integrate AI-driven real-time AML screening tools at payment gateways to reduce false positives.<\/li>\n<\/ul>\n
                                  <\/p>\n
                                1. Legal Side Strategy<\/em><\/li>\n<\/ol>\n
                                    \n
                                  • Regulatory sandbox applications<\/em>: Apply for a test licence to break through the AD regime restrictions with reference to India's UPI experience.<\/li>\n
                                  • Bilateral agreement breakthroughs<\/em>: Use of China's \"Belt and Road\" local currency settlement agreements to circumvent some foreign exchange controls.<\/li>\n<\/ul>\n
                                    \n

                                    IV. Future prospects<\/h3>\n

                                    With the inclusion of CBDC provisions in the (draft) amendment to the Bangladesh Electronic Transactions Bill expected by 2025:
                                    \n\u25b6\ufe0f Central Bank Digital Currency (BDT-CBDC) could be a new gateway to bypass SWIFT
                                    \n\u25b6\ufe0f IMF Special Drawing Rights (SDR) Basket Currency Negotiations May Promote Gradual Capital Account Opening<\/p>","protected":false},"excerpt":{"rendered":"

                                    The cross-border payments sector in Bangladesh is growing rapidly while facing significant technical and legal...<\/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-3271","post","type-post","status-publish","format-standard","hentry","category-36"],"yoast_head":"\n\u5b5f\u52a0\u62c9\u8de8\u5883\u652f\u4ed8\u7684\u6280\u672f\u4e0e\u6cd5\u5f8b\u6311\u6218 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deekpay.com\/en\/2025\/06\/12\/\u5b5f\u52a0\u62c9\u8de8\u5883\u652f\u4ed8\u7684\u6280\u672f\u4e0e\u6cd5\u5f8b\u6311\u6218\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5b5f\u52a0\u62c9\u8de8\u5883\u652f\u4ed8\u7684\u6280\u672f\u4e0e\u6cd5\u5f8b\u6311\u6218\" \/>\n<meta property=\"og:description\" content=\"\u5b5f\u52a0\u62c9\u56fd\u7684\u8de8\u5883\u652f\u4ed8\u9886\u57df\u5728\u5feb\u901f\u53d1\u5c55\u7684\u540c\u65f6\uff0c\u9762\u4e34\u7740\u663e\u8457\u7684\u6280\u672f\u4e0e\u6cd5…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/06\/12\/\u5b5f\u52a0\u62c9\u8de8\u5883\u652f\u4ed8\u7684\u6280\u672f\u4e0e\u6cd5\u5f8b\u6311\u6218\/\" \/>\n<meta property=\"og:site_name\" content=\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2025-06-11T23:57:43+00:00\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/12\/%e5%ad%9f%e5%8a%a0%e6%8b%89%e8%b7%a8%e5%a2%83%e6%94%af%e4%bb%98%e7%9a%84%e6%8a%80%e6%9c%af%e4%b8%8e%e6%b3%95%e5%be%8b%e6%8c%91%e6%88%98\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/12\/%e5%ad%9f%e5%8a%a0%e6%8b%89%e8%b7%a8%e5%a2%83%e6%94%af%e4%bb%98%e7%9a%84%e6%8a%80%e6%9c%af%e4%b8%8e%e6%b3%95%e5%be%8b%e6%8c%91%e6%88%98\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u5b5f\u52a0\u62c9\u8de8\u5883\u652f\u4ed8\u7684\u6280\u672f\u4e0e\u6cd5\u5f8b\u6311\u6218\",\"datePublished\":\"2025-06-11T23:57:43+00:00\",\"dateModified\":\"2025-06-11T23:57:43+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/12\/%e5%ad%9f%e5%8a%a0%e6%8b%89%e8%b7%a8%e5%a2%83%e6%94%af%e4%bb%98%e7%9a%84%e6%8a%80%e6%9c%af%e4%b8%8e%e6%b3%95%e5%be%8b%e6%8c%91%e6%88%98\/\"},\"wordCount\":38,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"articleSection\":[\"\u5b5f\u52a0\u62c9\u652f\u4ed8\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.deekpay.com\/2025\/06\/12\/%e5%ad%9f%e5%8a%a0%e6%8b%89%e8%b7%a8%e5%a2%83%e6%94%af%e4%bb%98%e7%9a%84%e6%8a%80%e6%9c%af%e4%b8%8e%e6%b3%95%e5%be%8b%e6%8c%91%e6%88%98\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/12\/%e5%ad%9f%e5%8a%a0%e6%8b%89%e8%b7%a8%e5%a2%83%e6%94%af%e4%bb%98%e7%9a%84%e6%8a%80%e6%9c%af%e4%b8%8e%e6%b3%95%e5%be%8b%e6%8c%91%e6%88%98\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/06\/12\/%e5%ad%9f%e5%8a%a0%e6%8b%89%e8%b7%a8%e5%a2%83%e6%94%af%e4%bb%98%e7%9a%84%e6%8a%80%e6%9c%af%e4%b8%8e%e6%b3%95%e5%be%8b%e6%8c%91%e6%88%98\/\",\"name\":\"\u5b5f\u52a0\u62c9\u8de8\u5883\u652f\u4ed8\u7684\u6280\u672f\u4e0e\u6cd5\u5f8b\u6311\u6218 - 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