Banking Access for the Poor: Adoption and Strategies in Rural Areas of Bangladesh


  • Mohammad Anisur Rahman PhD Scholar Department of Logistics Management and e-Commerce Glorious Sun School of Business and Management Donghua University 1882 Yan'an Road (W), Shanghai, China and Assistant Professor Department of Management Information Systems University of Dhaka Dhaka 1000, Bangladesh
  • Xu Qi Department of Logistics Management and e-Commerce Glorious Sun School of Business and Management Donghua University 1882 Yan'an Road (W), Shanghai, China
  • Md. Tariqul Islam Lecturer, Department of Business Administration BGMEA University of Fashion & Technology(BUFT) Dhaka, Bangladesh



Adoption, Bangladesh, Mobile banking, Rural, Strategies.


The progress of Mobile Banking (M-banking) is unsatisfactory in terms of achieving a key objective, i.e. to reach the inaccessible unbanked customers at an affordable cost for financial inclusion. We identify the causes to this problem through the investigating the factors affecting the adoption of m-banking in remote areas of Bangladesh using a 236 primary sample of m-bank customers from seven geographical locations and across professions. We document a positive effect of perceived ease of use, trusts, and perceived usefulness, and a negative effect of user interface on adopting m-banking in rural Bangladesh. our findings provides significant policy implications for policy planners and the bank managers to enrich their policies and strategies for promoting financial inclusion as well as successful banking business in rural of Bangladesh. 


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