{"id":3295,"date":"2025-06-12T08:20:58","date_gmt":"2025-06-12T00:20:58","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3295"},"modified":"2025-06-12T08:20:58","modified_gmt":"2025-06-12T00:20:58","slug":"%e5%ad%9f%e5%8a%a0%e6%8b%89%e7%94%b5%e5%ad%90%e6%94%af%e4%bb%98%e6%b8%97%e9%80%8f%e7%8e%87%e6%9c%89%e5%a4%9a%e9%ab%98%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/06\/12\/%e5%ad%9f%e5%8a%a0%e6%8b%89%e7%94%b5%e5%ad%90%e6%94%af%e4%bb%98%e6%b8%97%e9%80%8f%e7%8e%87%e6%9c%89%e5%a4%9a%e9%ab%98%ef%bc%9f\/","title":{"rendered":"How high is e-payment penetration in Bangladesh?"},"content":{"rendered":"

Bangladesh's e-payment penetration has grown significantly in recent years, but is still in thelow to medium level<\/strong>The specific status and key data are set out below:<\/p>\n

\n

1. Overall penetration rate<\/strong><\/h3>\n
    \n
  • Account coverage<\/strong>: According to World Bank data for 2021 (Findex), about 21% of Bangladeshi adults have a bank account, but only10% Using mobile payments or internet banking<\/strong>.<\/li>\n
  • Active User Scale<\/strong>: As of 2023, there are about 40 million e-payment users (including mobile wallets, bank cards, etc.) in Bangladesh, which is about 170 million of the total population (about 170 million).23%-25%<\/strong>.<\/li>\n<\/ul>\n
    \n

    2. Main payment modalities<\/strong><\/h3>\n
      \n
    • Mobile Financial Services (MFS)<\/strong>:\n
        \n
      • Dominant platforms: bKash (market share over 80%), Nagad, Rocket.<\/li>\n
      • User base: bKash has over 70 million registered users (including repeat registrations) and approximately 35 million monthly active users.<\/li>\n<\/ul>\n<\/li>\n
      • Bank Cards and POS<\/strong>:\n
          \n
        • About 28 million debit cards were issued and only about 2 million credit cards.<\/li>\n
        • There are less than 200,000 POS terminals, concentrated in big city merchants.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
          \n

          3. Growth drivers<\/strong><\/h3>\n
            \n
          • Policy support<\/strong>:
            \nThe Government promoted the \"Digital Bangladesh\" strategy, requiring civil servants' salaries to be paid through e-payment; the central bank approved 28 MFS operators.<\/li>\n
          • Demand for financial inclusion<\/strong>:
            \nThe scarcity of bank branches in rural areas (only 8.5 branches per 100,000 people) has contributed to the popularity of mobile wallets.<\/li>\n<\/ul>\n
            \n

            4. Challenges and bottlenecks<\/strong><\/h3>\n
              \n
            • cash-dependent<\/strong>:: Transactions above 90% are still done in cash.<\/li>\n
            • Infrastructure constraints<\/strong><\/em>:
              \nAlthough network coverage reaches 70%, 4G speeds are slow and unstable; there are insufficient agent outlets in rural areas.<\/li>\n<\/ul>\n

              5. Key trends in the growth of electronic payments (continued)<\/strong><\/h3>\n

              (1) Governments and central banks drive digitisation<\/strong><\/h4>\n
                \n
              • Mandatory Electronic Policy<\/strong>:\n
                  \n
                • From 2023, the Bangladesh government requires all utility bills (water, electricity, gas, etc.) to be paid through e-payment.<\/li>\n
                • Digitisation of civil service pay<\/strong>:: Government salaries and allowances above 90% have been disbursed through bKash or bank accounts.<\/li>\n<\/ul>\n<\/li>\n
                • Improved regulatory framework<\/strong>:\n
                    \n
                  • The central bank (Bangladesh Bank) has introduced the Payment System Bill 2024 to strengthen compliance management of mobile wallets while encouraging innovation (e.g. open APIs).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

                    (2) The rapid spread of QR payments<\/strong><\/h4>\n
                      \n
                    • Merchant promotion<\/strong>:
                      \nRetail shops and restaurants in the major cities of Dhaka and Chittagong have widely supported QR code payments from bKash\/Nagad, but small merchants still rely on cash.<\/li>\n
                    • Cross-platform interoperability<\/strong>:
                      \nIn 2023, the RBI launched \"Bangla QR\" to harmonise standards for code scanning across wallets, but the current penetration rate is less than 30%.<\/li>\n<\/ul>\n
                      \n

                      6. Segment performance<\/strong><\/h3>\n\n\n\n\n\n\n\n\n
                      realm<\/strong><\/th>\nElectronic payment penetration<\/strong><\/th>\nMain players\/mode<\/strong><\/th>\n<\/tr>\n<\/thead>\n
                      Retail consumption<\/em><\/td>\n~15%-20%<\/td>\nbKash, Nagad, POS swipe card<\/td>\n<\/tr>\n
                      e-commerce<\/em><\/td>\n~35%-40%<\/td>\nbKash, credit card (high-end users only), cash on delivery (still 60%)<\/td>\n<\/tr>\n
                      Cross-border remittances<\/em><\/td>\n~50%+<\/td>\nbKash partners with Western Union to dominate regular channels<\/td>\n<\/tr>\n
                      Rural areas<\/em><\/td>\n<10% Agent outlets mainly for cash top-ups, MFS for small transfers<\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
                      \n

                      7. Future growth potential and challenges<\/strong><\/h3>\n

                      (1) Points of opportunity<\/strong><\/h4>\n
                        \n
                      • Financial inclusion gap<\/strong><\/em>:: There are still 60 million unbanked adults and MFS can fill the need.<\/li>\n
                      • e-commerce driven<\/strong><\/em>:: The e-commerce market is expected to reach $7 billion by 2025, which will drive demand for prepaid cards and instalments.<\/li>\n
                      • Cross-border payment integration<\/strong><\/em>: Overseas labour remittances from Saudi Arabia, UAE, etc. account for more than 51 TP3T of GDP, and there is a lot of room for efficiency gains in the digital channel.<\/li>\n<\/ul>\n

                        (2) Core bottlenecks<\/strong><\/h4>","protected":false},"excerpt":{"rendered":"

                        Bangladesh's e-payment penetration has grown significantly in recent years, but remains at a low to medium level with...<\/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-3295","post","type-post","status-publish","format-standard","hentry","category-36"],"yoast_head":"\n\u5b5f\u52a0\u62c9\u7535\u5b50\u652f\u4ed8\u6e17\u900f\u7387\u6709\u591a\u9ad8\uff1f - 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\u7535\u5b50\u652f\u4ed8\u6e17\u900f\u7387\u6709\u591a\u9ad8\uff1f\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5b5f\u52a0\u62c9\u7535\u5b50\u652f\u4ed8\u6e17\u900f\u7387\u6709\u591a\u9ad8\uff1f\" \/>\n<meta property=\"og:description\" content=\"\u5b5f\u52a0\u62c9\u56fd\u7684\u7535\u5b50\u652f\u4ed8\u6e17\u900f\u7387\u8fd1\u5e74\u6765\u589e\u957f\u663e\u8457\uff0c\u4f46\u4ecd\u5904\u4e8e\u4e2d\u4f4e\u6c34\u5e73\uff0c\u5177…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/06\/12\/\u5b5f\u52a0\u62c9\u7535\u5b50\u652f\u4ed8\u6e17\u900f\u7387\u6709\u591a\u9ad8\uff1f\/\" \/>\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=\"2025-06-12T00:20:58+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%e7%94%b5%e5%ad%90%e6%94%af%e4%bb%98%e6%b8%97%e9%80%8f%e7%8e%87%e6%9c%89%e5%a4%9a%e9%ab%98%ef%bc%9f\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/12\/%e5%ad%9f%e5%8a%a0%e6%8b%89%e7%94%b5%e5%ad%90%e6%94%af%e4%bb%98%e6%b8%97%e9%80%8f%e7%8e%87%e6%9c%89%e5%a4%9a%e9%ab%98%ef%bc%9f\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u5b5f\u52a0\u62c9\u7535\u5b50\u652f\u4ed8\u6e17\u900f\u7387\u6709\u591a\u9ad8\uff1f\",\"datePublished\":\"2025-06-12T00:20:58+00:00\",\"dateModified\":\"2025-06-12T00:20:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/12\/%e5%ad%9f%e5%8a%a0%e6%8b%89%e7%94%b5%e5%ad%90%e6%94%af%e4%bb%98%e6%b8%97%e9%80%8f%e7%8e%87%e6%9c%89%e5%a4%9a%e9%ab%98%ef%bc%9f\/\"},\"wordCount\":37,\"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%e7%94%b5%e5%ad%90%e6%94%af%e4%bb%98%e6%b8%97%e9%80%8f%e7%8e%87%e6%9c%89%e5%a4%9a%e9%ab%98%ef%bc%9f\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/12\/%e5%ad%9f%e5%8a%a0%e6%8b%89%e7%94%b5%e5%ad%90%e6%94%af%e4%bb%98%e6%b8%97%e9%80%8f%e7%8e%87%e6%9c%89%e5%a4%9a%e9%ab%98%ef%bc%9f\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/06\/12\/%e5%ad%9f%e5%8a%a0%e6%8b%89%e7%94%b5%e5%ad%90%e6%94%af%e4%bb%98%e6%b8%97%e9%80%8f%e7%8e%87%e6%9c%89%e5%a4%9a%e9%ab%98%ef%bc%9f\/\",\"name\":\"\u5b5f\u52a0\u62c9\u7535\u5b50\u652f\u4ed8\u6e17\u900f\u7387\u6709\u591a\u9ad8\uff1f - 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