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Essay : Mobile Banking in Bangladesh

 August 02, 2019  Composition, Essay

সূ চীপ
Mobile Banking in Bangladesh
বাংলা রচনা সম
Introduction : Mobile banking is one of the latest tools for easy and convenient banking in the current world. Day by day mobile ভাবস সারণ তািলকা
banking is becoming popular in Bangladesh. With proper guidelines, mobile banking can take Bangladesh to a di erent level of Composition or Essay List
prosperity. Mobile banking has created a new dimension in our economy. Some banks and govt.-owned department Paragraph List
(Bangladesh Post O ce) are now o ering this service. It is cheap both for the banks and the customers. The bank will be able to
Letter, Application & Email
lower down the overhead cost and make more pro t out of it. The customers will be able to save time as well as money for their
Dialogue List
transaction needs. 
সাধারণ ান
বাংলা ব াকরণ
Mobile Banking : Mobile banking is a digital nancial service in the banking sector that facilitates banking via mobile devices.
পু সং হ
With the tremendous growth in mobile phone usage, banks in the developed world have moved to utilize mobile banking, which
আমার লাইে ির
makes banking easier, faster and very cost-e ective. Researchers believe that growth of mobile banking in Bangladesh is
হযবরল
inevitable, especially when banks do not have su cient number of branches in the rural areas of Bangladesh. 
তথ েকাষ

History of Mobile Banking : The earliest mobile banking services used SMS, a service known as SMS banking. With the িবজয় বাংলা টাইিপং টউেটািরয়াল

introduction of smartphone with WAP support enabling the use of mobile web in 1999, the rst European banks started to o er My Study Note
mobile banking on this platform to their customers.  আমার কলম
Mobile banking idea at rst came to Bangladesh in October 2009. The City Bank Ltd. is the rst bank that gave idea by their এই সাইট থেক আয় ক ন
mobile banking software named as ‘City Wallet’. But Dutch Bangla Bank Ltd. started mobile banking in full swing and widely in
Bangladesh on 31st March 2011. bKash was launched in July 2011 in Bangladesh which is now the largest provider of mobile
nancial services (MFSs) in this country. At present all banks are trying to start mobile banking for their customer. Mobile
banking is an alternative to traditional banking through which banking service can be reached at the doorsteps of the deprived
section of the society. 

Mobile Banking service Providers and their Services : Some mobile banking service providers and their service names are
given below: 

1. bKash (BRAC Bank Ltd.) 

2. Rocket (Dutch Bangla Bank Ltd.)
3. Easy Cash (Prime Bank Ltd.) 
4. mCash (Islami Bank Bangladesh Ltd.)
5. T-cash (Trust Bank Ltd.) 
6. NCCB SureCash (NCC Bank Ltd.) 
7. Citytouch (City Bank Ltd.) 
8. SMS Banking (Dhaka Bank Ltd.)
9. MYCash (Mercantile Bank Ltd.) 
10. SMS Banking (AB Bank) 
11. TeleCash (Southeast Bank Ltd.) 
12. FSIBL SureCash (First Security Islami Bank Ltd.)
13. BCB Sure Cash (Bangladesh Commerce Bank Ltd.) 
14. Upay (United Commercial Bank Ltd.) 
15. RBL SureCash (Rupali Bank Ltd.) 
16. Ok wallet (One Bank Ltd.) 
17. Mobile Banking (IFIC Bank Lted.) 
18. Mobile Banking (Bank Asia) 
19. SPOT CASH (Standard Bank Ltd.) 
অনু েরাধ
20. Nagad (Bangladesh Post O ce) 

সকল িশ াথ , অিভভাবক ও স ানীত িশ করা

Objectives of Mobile Banking : Around 0.87% of the total population of Bangladesh is out of banking service. To bring such a
এই েগর সব িকছই খুব সহেজই হােতর কােছ
huge population into banking channel, mobile banking enables any person having a mobile number to use his number as a bank পাে ন; যা আিম অেনক সময় ও ম ব য় কের
account. Through this mobile account they will be able to do the followings:  সং হ করিছ এবং িতিনয়ত এই েগ িদেয়
যা ।
 Cash deposit to any agent of mobile banking.
 Cash withdrawal from any agent of mobile banking or ATMs. তাই আপনােদর কােছ আমার অনুেরাধ, এই েগর
জন আমার িদেত থাকা সময় ও মেক ধন বাদ
 Funds transfer to another mobile account.
জানােত আশা কির আপিন গ ট ফসবুেক
 Utility bill payment, tuition fee payment, etc. শয়ার করেবন এবং আপনার ব ু বা সহপা ঠেদর
 Receive remittance from home and abroad. এই গ স েক জানােবন। ধন বাদ।

 Salary disbursement. Like Share

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 Balance inquiry.

LIKE িদেয় সে থাকু ন

Di erences between Mobile Banking and Internet Banking (iBanking) : The di erences between mobile banking and
internet banking can be drawn on the following ground: 
My All Garbage
 Internet banking is nothing but a banking transaction, carried out over the internet, via respective bank or nancial 911 likes
institutions websites, under a personal pro le, with a personal computer. Conversely, mobile banking is a service that
enables customers to perform banking transactions using a cellular device.
 Mobile banking uses short message services, mobile applications or the webs. In contrast, internet banking uses Like Page Learn More
bank’s website.
 In mobile banking fund transfer is possible with the help of IMPS (Immediate Payment Service), NEFT (National Be the first of your friends to like this

Electronics Funds Transfer) or RTGS (Real Time Gross Settlement). As against, in internet banking, fund can be
transferred from bank or branch to another, with the help of NEFT or RTGS.
জনি য়
 While the number of functions performed by mobile banking system is limited, internet banking o ers an array of
services to their customers. রচনা : েমর মযাদা
Both mobile banking and internet banking require internet access to carry out the banking transaction. The scope of internet
banking is relatively higher than that of mobile banking.  রচনা : অধ বসায়

রচনা : িব পিরেবশ িদবস : ৫ জুন

Advantages of mobile banking : People use mobile banking as it o ers many advantages. Some advantages are given
below:  রচনা : েদশে ম
 One can make transactions or pay bills anytime. It saves a lot of time.
রচনা : পিরেবশ দূষণ ও তার িতকার
 Mobile banking through cell phone is user-friendly. The interface is also very simple.
 Mobile banking is cost-e ective. রচনা : বৃ েরাপণ অিভযান / অরণ সংর ণ
 Banking through mobile reduces the risk of fraud. One will get a notice as soon as any amount is deducted or
deposited in one’s account. রচনা : আমার জীবেনর ল / তামার
 One can transfer money instantly to another account in the same bank using mobile banking. জীবেনর ল

 Banking through mobile phone bene ts the banks too. It cuts down on the cost of telebanking and is more
রচনা : বাংলােদেশর ষড়ঋত
economical.
 Banks can be in touch with their clients with mobile banking.
রচনা : সত বািদতা
 Mobile banking will be available when and where customers want to be.
 Mobile banking empowers customers. রচনা : রািহ া সংকেটর উ ব ও এর িতকার

QUOTE
Disadvantages of Mobile Banking : Some of the disadvantages of mobile banking are: 
 Mobile banking users are at risk of receiving fake SMS messages and scams. Cowards die many times before their
 The loss of person’s mobile device often means that criminals may gain access to mobile banking related to sensitive deaths; the valiant never taste of death but
information. once. -Shakespeare, 'Julies Caesar, II, 2'.

 Modern mobile devices like smartphone are better suited for mobile banking than old models of mobile phones and
All Quotes
devices.
 Regular users of mobile banking over time can accumulate signi cant charges from their account. িবভাগ
 Limited protection, lower level of security.
Collection Groups Composition Dialogue
Prospect of Mobile Banking in Bangladesh :  Mobile banking is a process of no branch banking which provides nancial
services to the communities out of banking service in both urban and rural areas at a ordable cost. The aim of the service is not English-Note Essay Formal & Informal Letter
to destroy branch banking but to bring those people under the umbrella of banking service who are away from banking facilities.
Through mobile banking one can avail various services- utility bill payment, fund transfer, shopping, cash withdrawal from ATMs Learning My Pen Note Paragraph

or cash points and many more exciting facilities.  Review Sheet Technology Tutorial

Conclution : Mobile banking is rapidly increasing in Bangladesh and there is a great prospect of mobile banking in Bangladesh. তথ েকাষ ব াকরণ ভাবস সারণ রচনা

Mobile banking service has a huge scope in Bangladesh. Currently, only 7% of the population is using this service. This service
সাধারণ ান হযবরল
opens the separate era for existing banks and banking institutions. More and more people are coming under mobile banking
services every day. With proper guidelines and policies, mobile banking can take Bangladesh to a di erent level of prosperity. 
In Bangladesh, banking business is more prominent and worthier business than others. The service that banks have started LINK ADS
o ering to their customer is a matter of great hope that maximum of the customer is satis ed. It is creating better future for
mobile banking as well as overall banking business in Bangladesh.  বাংলালয়

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