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Technology Disruption

Inclusive Financial Service through MFS: The Case of bKash Digital Loan and DPS

Inclusive Financial Service through MFS: The Case of bKash Digital Loan and DPS

Inclusive financial service refers to providing access to a broad range of affordable and useful financial products and services to people who are traditionally excluded or underserved by the formal…
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Digital Banking Landscape in Bangladesh: Insight from Market Trends

Digital Banking Landscape in Bangladesh: Insight from Market Trends

Bangladesh, a rapidly developing economy, is witnessing a significant transformation in its financial services sector driven by digital banking. With the rise of mobile internet penetration, government-backed digital initiatives, and…
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Open Banking: The Catalyst for Innovation in the Financial Services Industry

Open Banking: The Catalyst for Innovation in the Financial Services Industry

Open Banking is transforming the financial services industry by enabling secure data sharing between banks, fintechs, and third-party providers, all while placing control in the hands of customers. This paradigm…
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Shariah-Compliant Islamic BNPL in e-commerce: The Case of Qist Bazaar

Shariah-Compliant Islamic BNPL in e-commerce: The Case of Qist Bazaar

Qist Bazaar is an emerging Islamic Buy Now, Pay Later (BNPL) platform designed to meet the growing demand for Shariah-compliant financing solutions in e-commerce. As BNPL gains popularity globally, Qist…
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The Journey and Business Model Canvas of a Financial Supper App

The Journey and Business Model Canvas of a Financial Supper App

A Financial Super App offers a comprehensive suite of financial services under one digital platform, integrating banking, payments, lending, insurance, investments, and more. By serving as a one-stop-shop for users’…
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The Emergence of APIs in Banking: Making Finance Factionless

The Emergence of APIs in Banking: Making Finance Factionless

In recent years, Application Programming Interfaces (APIs) have emerged as a transformative force in the banking sector, driving innovation, efficiency, and collaboration between financial institutions and third-party service providers. APIs…
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Shaping the Future: Innovations in PayTech and Emergence of Digital Currencies

Shaping the Future: Innovations in PayTech and Emergence of Digital Currencies

The global payments landscape is undergoing a profound transformation due to rapid advancements in payment technologies and the emergence of digital currencies. These innovations are reshaping the way individuals, businesses,…
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Embedded Lending: New Opportunity for Consumers and Small Businesses

Embedded Lending: New Opportunity for Consumers and Small Businesses

Embedded lending is rapidly emerging as a transformative financial service that allows consumers and businesses to access credit directly within the platforms they are already using. Unlike traditional loans that…
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Prepaid Card for MFS Users: Use Case Analysis of upay Prepaid Card

Prepaid Card for MFS Users: Use Case Analysis of upay Prepaid Card

MFS users of Bangladesh engaged for send money through the MFS platforms. As per Bangladesh report around 85% of total MFS transactions concentrated among cash in, cash out and send.…
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