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Research & Publications

Academic research and professional insights at the intersection of banking, technology and financial inclusion.

Agent Banking
Agent Banking: A New Growth Sector for the Banking Industry
2020
An econometric analysis of the top six agent banking performers in Bangladesh — identifying why BRAC Bank's lending-first model drives sustainable financial inclusion while competitors stagnate on deposit-only strategies.
Agent BankingBangladeshFinancial InclusionFintechBanking
Fintech
Bangladesh's Fintech Future: Lessons from Brazil & Strategic Acceleration Roadmap
2025

A strategic roadmap for accelerating Bangladesh's fintech ecosystem from 'MFS 1.0' to a multi-layered ecosystem.

FintechBangladeshBrazilDigital FinanceStrategy
Bangladesh
Bangladesh's Middle-Class Moment: Digital Rails and the Decade of Decision
2024

An exploration of Bangladesh's critical window to leverage its digital payment infrastructure and build a resilient middle class.

BangladeshMiddle ClassDigital FinanceEconomic Reform
Pipeline
Bangladesh Banking Monthly Dashboard — Pipeline + Web Page
2024

Technical architecture for an automated monthly data pipeline and static dashboard to track Bangladesh's banking indicators.

PipelineAstroDashboardBanking DataAutomation
Wireless Sensor Networks
Improved Self-Pruning for Broadcasting in Ad Hoc Wireless Networks
2017

Proposes the ISB (Improved Self-Pruning Based Broadcasting) algorithm — a reactive broadcasting technique that uses extended three-hop neighbour knowledge to dramatically reduce the number of forwarding nodes while keeping packet headers minimal.

Wireless Sensor NetworksBroadcasting AlgorithmsAd Hoc NetworksSelf-PruningISB AlgorithmNetwork Simulation

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