This presentation provides an overview of mobile banking in Bangladesh. It discusses the SWOT analysis of mobile banking, describing strengths like convenience and opportunities like a large mobile user base, as well as weaknesses like lack of awareness and threats like regulatory restrictions. It then outlines the current state of mobile banking in Bangladesh, with several banks having launched services. Upcoming developments are noted, along with the methodology, findings, recommendations and conclusion of the study. The recommendations include improving education and services to increase adoption of mobile banking.

3. Presentation
on

4. Department: Business Administration
Course Title: Fundamentals of MIS
Course Code: MGT-312
PREPARED FOR
Mr. Md. Rahimullah Miah
Lecturer of MIS
Department of Business Administration
Leading University, Sylhet, Bangladesh

5. PREPARED BY
Faglul Karim Raihan
ID: 1001010142
Sec-C, 7th Semester (24th Batch)
Department of Business Administration
Leading University, Sylhet, Bangladesh
Date of Presentation:21/04/2012

6. OBJECT OF PRESENTATION
Overview of Mobile Banking
SWOT Analysis of Mobile Banking
Mobile Banking in Bangladesh
Upcoming Mobile banking in Bangladesh
Methodology of the study
Findings
Recommendation
Conclusion
Reference

7. OVERVIEW OF MOBILE BANKING
 Mobile banking is a term used for performing balance
checks, account transactions, payments, credit applications, pay
bills, authorize fund transfers, and other banking transactions
through a mobile device such as a mobile phone or Personal Digital
Assistant (PDA)
 Also known as M-Banking, SMS Banking.
 The first mobile banking was operated by the National Bank of
Scotland and came into service on 5 November 1946
 Mobile banking was first introduced in Bangladesh on May 15 by
Dutch Bangla Bank Ltd (DBBL).

8. SWOT ANALYSIS OF MOBILE BANKING
 Strengths:  Weakness:
1) Mobile as a technology 1) Lack of awareness about the
provides all the support new channel among the mobile
required to leverage Banking users.
transactions.
2) Security concerns about the
2) Ease of availability- any new channel.
time, any where.
3) Mobile Handset Operability.
3) Rapid growth of Mobile and
4) Application distribution
wireless market.

9. SWOT ANALYSIS OF MOBILE BANKING
 Opportunity:  Threats:
1) Rapid increase in the Mobile user 1) Regulatory restrictions by
base and acceptance of the Mobile "Bangladesh Bank to launch
technology even in Rural areas Mobile banking as a separate
makes a bigger market available for channel.
mobile banking to expand. 2) Acceptance of new technology by
2) With technology advancements in users.
Mobile handsets rich features can 3) Customer misuse of products and
be embedded in the application. services
3) Lowering of Mobile Tariff rates - 4) Traditional banking risks such as
GPRS plans, SMS credit risk, liquidity risk and market
risk are also present in e-banking
sectors.

10. MOBILE BANKING IN BANGLADESH
 Bangladesh Bank has already allowed 10 banks to initiate
mobile banking.
 “Dutch-Bangla Bank Limited” has around 20,000
customers under the new system.
 The bank started the service initially in Dhaka city and its 6
surrounding districts with 150 to 200 field offices, and 4585
agent all over Bangladesh.

11. MOBILE BANKING IN BANGLADESH
 “BRAC Bank” introduced the service on July 21, with the
brand name ‘bKash’
 It targets to register at least 10 lakh people under the system
by year-end. already have almost 3,000 customers with
bKash.
 It has developed 400 service delivery points and expects
3,000 points by year-end.

12. MOBILE BANKING IN BANGLADESH
 “Banglalink, Dhaka Bank and Western Union” jointly
launched a Mobile Money Transfer service.
 Banglalink mobile users (Dhaka Bank approved account
holders) can access to their money from any of over 1,700
Dhaka Bank-accredited Banglalink Mobile Cash Points
 Which services are available till 8pm every day, seven days a
week.
 “Bangladesh Post Office” also launched a new money order
service named Electronic Money Transfer Service (EMTS),
 Presently 2000 post offices provide the EMTS which is
covering all district, upazilla/thana and important/busy rural
post office locations

13. UPCOMING MOBILE BANKING IN BANGLADESH
 “Mercantile Bank” and “Trust Bank” are going to
introduce m-banking throughout the country with the
help of the government union information centers.
 “SSL Wireless and Islami Bank Bangladesh
Limited” have entered an agreement to provide
Mobile Banking Services in Bangladesh

14. Mobile service operators of M- banking
Name of Banks Mobile service operators
Brac Bank GrameenPhone, Aktel.
Dhaka Bank GrameenPhone, Banglalink.
Mercantile GrameenPhone, Citycell, Aktel,
Bank Limited TeleTalk.
Dutch-Bangla GrameenPhone, Citycell, Aktel,
Bank Banglalink.
Islami Bank Grameenphone, Aktel, Banglalink,
Bangladesh Warid Telecom, CityCell and TeleTalk
Bangladesh Grameenphone, Aktel, Banglalink,
Post Office Warid Telecom, CityCell and TeleTalk

15. METHODOLOGY OF THE STUDY
 The topic chosen for the assignment is “Mobile
Banking in Bangladesh.”
 I work with non-government sector and also include
government sector.
 All the data and information which is related to my
task was collected from secondary source.
 I use Microsoft Word and Microsoft PowerPoint to
prepare this assignment.

16. FINDINGS
 Most of the rural area people are the potential
customer of mobile banking.
 Mobile banking is not available on every device. Some
banks do not provide mobile banking at all.
 35% of m-banking customer are highly satisfied with
present m-banking service.
 Some village people do not trust mobile banking as
traditional banking system.
 Most people heard about it but not have a clear idea

17. RECOMMENDATION
 Government must have to take adequate measures to
ensure the uninterrupted supply of raw materials for
M-Banking.
 To reduced M-Banking limitation all banks should
provide this opportunity.
 Government should easier the process to lunch mobile
banking service.
 Employees of customer service department of banks
should be co-operative for registration and educating
the customers this technology-based service.

18. RECOMMENDATION
 User guide should be provided to all intended
customers.
 Banks should use all mobile service operators available
in Bangladesh.
 More services should be included in M- banking.

19. CONCLUSION
 More than three billion mobile phones are currently in
operation worldwide and fully 70% of the total
population of developing countries fall within the
coverage of existing cellular networks.
 As 99 percent of the people of Bangladesh are under
the mobile phone network, almost all will have access
to the formal financial channel.
 More than 7.5 crore people are using mobile phones. If
the banks can reach out to the un-banked people, the
dream of more people having bank accounts can be
fulfilled.

20. REFERENCE
Website:
1) http://www.scribd.com
2) http://www.google.com
3) http://en.wikipedia.org/wiki/Mobile_banking
4) http://www.dutchbanglabank.com
5) http://www.brac.net
6) http://www.bkash.com
7) http://www.thedailystar.net
8) http://www.bangladeshpost.gov.bd

21. Do You Have Any
Query….?