M-Banking: The Transaction Revolution in Bangladesh

Q2 Earth and Planetary Sciences Advances in Science and Research Pub Date : 2020-08-28 DOI:10.11648/j.sr.20200804.12
Md. Tareq Hasan
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引用次数: 5

Abstract

Bangladesh is a developing country where mobile network operators had been started from 1993 through AMPS (Advanced Mobile Phone Service) and later on CDMA (Code-Division Multiple Access) technology was introduced and mobile banking facilities were started clearly under a guideline of the central bank of Bangladesh on ‘Mobile Financial Services for Banks’ in September 2011. Though m-banking is a newer service in the country meanwhile it has got very popularity within a short time due to inadequate traditional banking facilities. In this study, mobile banking of Bangladesh has been emphasized on some transactional usages and with a new concept. There are many villages in Bangladesh where no financial institution exists physically for financial transactions yet. Through this study, the researcher also found that many villages are very far away from the bank area. But people who have no bank accounts are now habituated with mobile banking facilities and happy with the services. Since some financial institutions are allowing their subscribers (mobile banking account holders) to use ATM facilities for cash withdrawal, so the m-banking is being popular in the village, semi-urban, urban, and city areas. The subscribers are being accustomed to mobile banking services and the users are also increasing tremendously with time.
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移动银行:孟加拉国的交易革命
孟加拉国是一个发展中国家,移动网络运营商从1993年开始通过AMPS(先进移动电话服务),后来引入了CDMA(码分多址)技术,并在2011年9月孟加拉国中央银行关于“银行移动金融服务”的指导方针下明确启动了移动银行设施。虽然移动银行在国内是一项较新的服务,但由于传统银行设施不足,它在短时间内就得到了很好的普及。在本研究中,孟加拉国的手机银行强调了一些交易用途,并提出了一个新的概念。孟加拉国的许多村庄还没有实体的金融机构进行金融交易。通过这项研究,研究者还发现许多村庄离河岸区很远。但没有银行账户的人现在已经习惯了移动银行设施,并对这些服务感到满意。随着部分金融机构允许用户(手机银行账户持有人)使用自动取款机(ATM)提取现金,手机银行在农村、半城市、城市、城市等地区正在普及。用户已经习惯了手机银行服务,随着时间的推移,用户也在急剧增加。
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来源期刊
Advances in Science and Research
Advances in Science and Research Earth and Planetary Sciences-Geophysics
CiteScore
4.10
自引率
0.00%
发文量
13
审稿时长
22 weeks
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