Analysis of digital payment growth, adoption trends, and financial inclusion in Bangladesh
Mobile banking now accounts for 42% of all digital transactions in Bangladesh, driven by bKash and Nagad platforms. Adoption is highest among 25-40 age group with 78% penetration.
Rural digital payment adoption grew by 28% in 2024, reducing the urban-rural gap from 41% to 29%. Government incentives and agent banking are key drivers.
E-commerce transactions grew by 65% YoY, while utility payments saw 42% growth. Remittances via digital channels now represent 38% of total remittances.
High-income groups show 92% digital payment adoption, while middle and low-income groups are at 68% and 47% respectively. Micro-payment solutions show promise for lower-income segments.
| Region | Payment Method | Sector | Volume (Crore BDT) | Growth (%) | Active Users (M) |
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