The structural operational frameworks of Bangladesh’s key commercial sectors—encompassing retail banking networks, mobile financial platforms, and electronic commerce systems—are now heavily integrated with digital technology. The widespread implementation of mobile financial services (MFS), cloud-hosted infrastructures, and online transaction portals has substantially enhanced consumer accessibility. However, this systemic transition from manual to digital workflows has concurrently […]

While Bangladesh’s national insurance penetration rate stubbornly hovers between a mere 0.33% and 0.5% of Gross Domestic Product (GDP), the financial safety net drops away almost entirely in the Chittagong Hill Tracts (CHT). Across the rugged terrains of Rangamati, Khagrachhari, and Bandarban, the formal financial sector remains largely invisible to the local population. Industry analysts […]