Academic & Professional

Research & Publications

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

📄 MBA Thesis
Agent Banking: A New Growth Sector for the Banking Industry
🎓 IBA, University of Dhaka 📅 2020 📊 Econometric Analysis
This thesis examines the agent banking landscape in Bangladesh through an econometric lens, analysing the performance of the top 6 agent banking operators. The research explores business models, outreach strategies, and sustainability metrics to identify what separates high-performing agent banking programs from the rest.
Core Finding
BRAC Bank's unique "lending-first" model was identified as a key driver for sustainable financial inclusion — contrasting sharply with the deposit-only focus of competitors. This model created a self-sustaining ecosystem that drove both financial access and profitability.
Agent Banking Financial Inclusion Bangladesh Econometrics Islamic Banking DFS
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More Research Coming Soon

Working on new research covering digital payment governance, CBS integration patterns, and fintech regulatory frameworks in Bangladesh.