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Mobile Banking-at a glance

Mobile Banking in Bangladesh


Central Bank
published new
guideline for mobile
banking

BTRC guideline
Regulatory
Guideline
Overview of
existing market

19 players in the
market out of 28
Industry
Analysis
Total addressable
market 65 million

11.5 million
captured by existing
players
Market
Potential
Source: BTRC, BB, BBS
Only 27% Bangladeshi have bank accounts but 65% have mobile phones
Financial
Inclusion
Industry analysis
Industry analysis

No of Banks got license from Central Bank: 28

No of Banks/MFIs launched Mobile Banking: 19

No of Customer Registered Mobile Banking (As of Nov 2013): 11.5 Million

No of Agents working for Mobile Banking (As of Nov 2013): 171K

Business Model: Own Channel/Through Distributor

Industry Analysis
BRAC Bank
(bKash)
Launch date: July, 2012

No of Customer: 80.1 Million

No of Agents: 80k

Business Model: Through
Distributor

Access to Bank Branch: No

Access to ATM: Yes

Technology provider: Fandamo

Telecom Partner: GP, Robi, BL
& Airtel
Islami Bank
(mCash)
Launch date: December, 2012

No of Customer: 150 K

No of Agents: 15k

Business Model: Through
Distributor

Access to Bank Branch: Yes

Access to ATM: No

Technology provider: Own

Telecom Partner: Robi, Airtel
& GP
Trust Bank
(Trust Mobile Money)
Launch date: August, 2010

No of Customer: 100 K

No of Agents: 20 k

Business Model: Through Telco

Access to Bank Branch: Yes

Access to ATM: No

Technology provider:
Genweb2 (TK group concern)

Telecom Partner: Teletalk &
Citycell
Industry Analysis
Mercantile Bank
(mPay)
Launch date: February, 2012

No of Customer: 51 K

No of Agents: 8k

Business Model: Through
Distributor

Access to Bank Branch: Yes

Access to ATM: No

Technology provider: mCheck

Telecom Partner: Citycell
Prime Bank
(Prime Cash)
Launch date: September,2012

No of Customer: 100 K

No of Agents: 3 k

Business Model: Outsourced by
DG e pay

Access to Bank Branch: No

Access to ATM: Yes

Technology provider: DG
Consultancy

Telecom Partner: Not required
since card based
First Security
Bank
(Secure Cash)
Launch date: July, 2012

No of Customer: data not
found

No of Agents: Data not found

Business Model: Own

Access to Bank Branch: No

Access to ATM: No

Technology provider: Pragati
Systems

Telecom Partner: Not required
since card based
DBBL Mobile Banking
Launching date: March 31, 2011

No of Customer: 2.2 Million

No of Agents: 55K

Business Model: Own Channel

Access to Bank Branch: Yes

Access to ATM: Yes

Technology Provider: Sybase|365

Telecom Partner: GP, Robi, BL, Citycell & Airtel
Particulars TBMM Bkash mCash Ucash DBBL
MB
Launch date
August, 2010 July, 2012
December,
2012
November,
2013
March 31,
2011
No of Customer

100 K

8.1 Million

150 K

2.2 Million
No of Agents
20 k

80k

15k

10000 55K
Business Model:
Through
Distributor
Telco network

Through
Distributor

Through
Distributor

Through Distributor

Own
Channel
Access to Bank Branch
Yes

No

Yes

Yes Yes
Access to ATM
No

Yes

No

No Yes
Technology provider
Genweb2

Fandamo

Own

Surecash Sybase|365
A/C opening
commission for Pay-
point or Agent - 65 10
50
Note: If customer
keep 50 tk for 7
days 5 tk bonus
payment to
paypoint
20
Telecom Partner

Robi, Teletalk
& Citycell

GP, Robi, BL
& Airtel

Robi, Airtel
& GP

Robi & Airtel
GP, Robi,
BL, Citycell
& Airtel