Fintech Analysis & Perspectives
Insights
Strategic perspectives on banking technology, digital transformation, and financial systems innovation in Bangladesh and emerging markets.
One Country, One QR: What Bangla QR's Hard Deadline Actually Changes
Since July 1, every proprietary QR code at Bangladesh's merchant points is legally obsolete — backed by Tk 30 lakh fines and prison terms. Interoperability by decree was the only path left. Now the hard part starts.
What an Honest Banking Dashboard Gets Wrong (On Purpose)
Most dashboards hide their gaps. The one I built puts them on the page: quality badges, null tiles that refuse to render, and a snapshot label that admits it isn't live. Here's why honest data design means designing the absence.
Why Bangladesh’s NPSB Is the Quiet Backbone of Digital Payments
While bKash and Nagad grab headlines, the National Payment Switch Bangladesh silently processes the transactions that keep the country’s financial system running.
5 Books That Changed How I Think About Money and Systems
These five books shifted how I approach financial systems, organisational complexity, and decision-making under pressure.
What Neobanks Like PalmPay Get Right That Traditional Banks Still Don’t
After 8 years inside a traditional bank’s digital infrastructure, I have a clear view of where legacy institutions fall short — and it is not what most people think.
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