strategic roadmap for dutch bangla bank limited for mobile financing

7/22/2019 Strategic Roadmap for Dutch Bangla Bank Limited for Mobile Financing

1/15

Wtrltbkag

_dlhmlp cdr

Hutgj Ol`kil

Ol`e Iamatbh cdr

Mdoaib Ca`l`ga`k

Mlibbjl Xltl`


2/15

Xloib dc Gd`tb`ts

Ol`kilhbsj as d`b dc tjb iblst hbvbidpbh gdu`trabs a` tjb wdrih. Out rbgb`tiy sjb as kda`k tjrdukj l

krdwtj pjlsb. Xjas bgd`dmagli krdwtj jls obb` hravb` oy twd ampdrtl`t clgtdrs>

d Krdwtj a` _MK bgtdr

d dgali trb`h dc bic!"mpidymb`t tjrdukj M"s

#s tjb _MK sbgtdr as krdwa`k$ mdrb bmpidymb`t dppdrtuàtabs lrb oba`k grbltbh. %bdpib lrb rusja`k

crdm rurli lrbls td urol` lrbls. &` tjb gd`trlry$ sdmb pbdpib lrb trya`k td grbltb bmpidymb`t cdr

tjbmsbivbs ls wbii cdr dtjbrs tjrdukj tjb grbltad` dc M"s. #ii dc tjbsb lrb iblha`k td l` a`grbmb`tli

krdwtj a` ca`l`gali lgtavatabs ia'b md`by trl`scbr$ idl`$ l`h slva`ks. M!(a`l`ga`k a`hustry jls gdmb lt tjas

pda t td mbbt tjb `bbh dc ca l`gali sbrvagb dc uòl`'bh ls wbii ls ol`'bh pbdpib val mdoaib

tbibgdmmuàgltad` tbgj`didky.

?. Hbcaàtad` dc M- Ca`l`ga`k A`hustry>

M!(a`l`ga`k a`hustry as a`vdivbh a` prdvaha`k uòl`'bh pdpuiltad` ls wbii ls ol`'bh pdpuiltad` watj

ca`l`gali sbrvagbs spbgaliiy ol`'a`k sbrvagbs val mdoaib pjd`b.

7. HOO Ol`! Mdoaib Ol`!a`k>

Obcdrb ilu`gja`k tjb )utgj!Ol`kil Ol`' Mdoaib Ol`'a`k$ tjb ca`l`gali sbrvagbs wbrb lvlailoib td l

sbgtad` dc tjb pdpuiltad`. Xjbrb wls hbml`h cdr ca`l`gali sbrvagbs out at gduih `dt ob prdvahbh tjrdukj

tjb b*asta`k ol`'a`k gjl``bis. Xjb b*giuhbh plrts wbrb rurli + pddr rbkad`s l`h tjdsb iava`k a` jlrsj

giamltag gd`hatad`s. Xd dpb` l ol`' lggdu`t wjagj wls obyd`h tjb amlka`ltad` dc tjb odttdm jlic dc tjb

pdpuiltad` dc tjb gdu`ty `dw gl` kbt lggbss td tjb ca`l`gali sbrvagbs tjrdukj )OO, mdoaib ol`'a`k.

-` Ol`kilhbsj$ ol`'a`k wls orl`gj olsbh wjbrb gustdmbrs `bbh td gdmb td ol`' orl`gjbs td hd tjb

ol`'a`k. Xrlhatad`li ol`'a`k as vbry gdstiy cdr rurli gustdmbrs tjby `bbh td ply ùmbrdus gjlrkbs sugj

ls jlic!yblriy sbrvagb gjlrkb$ l`ùli glrh gjlrkb$ kdvbr`mb`t gjlrkbs l`h dìa`b gjlrkb /dutstltad`


3/15

trl`slgtad` gjlrkb6. -` lhhatad`$ gustdmbrs lisd `bbh td mla`tla` l ma`amum olil`gb a` tjbar lggdu`ts

wjagj tb`hs td ob haccaguit cdr rurli gustdmbrs. Mdrbdvbr$ mdst dc tjb rurli pbdpib lrb `dt bhugltbh l`h

tjus gl``dt wratb gjb


4/15

DVVD_XR@AXQ

#d$br`mb`t . @#s/ ca`l`gali suppdrt cdr M-&a`l`ga`k td usb sbr$agbls l hb$bidpmb`t tddi

Glpatli

Gdiilodrltad`

@d`-orl`gj olèa`k as kbtta`k pdpuilraty a` )l`kilhbsj Guiturb

Ml`y olès lrb `d" dccbra`k `d`-orl`gj olèa`k clgaiatabs L pbrsd`

gl` "atjhrl" dr hbpdsat md`by a` l`y orl`gj dc tjb olè jb jls

lggdu`t "atj Wd md$a`k td mdoaib olèa`k "aii liid" tjb olès td dccbr

`d`-orl`gj olèa`k clgaiatabs

Glploaiatabs

Mdoaib tbibgdm jls +,66< pb`btrltad` a` )l`kilhbsj Wd l sbr$agb

dccbrbh tjrdukj tjb mdoaib pjd`b "aii ob "ahbiy lggbptbh a` tjb `blr

cuturb

Gdiilodrltad`

WM?s as l sdgali trb`h Gustdmbr' Guiturb

_MK sbgtdr wdrebrs lrb l pdtb`tali mlrebt Gustdmbrs

R`tlppbh olèa`k mlrebt dc mdrb tjl` 1 Grdrb

Limdst b$bryd`b d"`s l mdoaib pjd`b a` dur gdu`try `d"

Xbgj`didkyMdoaib pjd`bs hdbs `dt `bbh td ob WML_X!J@? td jl$b lggbss td

tjb sbr$agb

Wdct"lrb hb$bidpa`k a`hustry as l krd"a`k a`hustry

XJ_BLX


5/15

Glpatli )l`kilhbsj )lè iamats trl`slgtad`s iamat )(X 7,'888

Gustdmbrs !bdpib jl$b gd`gbr` lodut sbguraty l`h pra$lgy Xjby iaeb td cbbi

tjbar md`by "atj tjbar jl`h Xjby mly pbrgba$b tjlt $artuli md`bytrl`scbr as `dt lgtuli trl`scbrGuiturb

Xbgj`didky 2` tjb cabih dc 2X `b" tbgj`didky as gdma`k b$bryhly `b "jagj as

$bry pdpuilr tdhly makjt kbt dosdibtb tdmdrrd" Wd' td jl$b l

gdmpbtata$b bhkb d$br tjb gdmpbtatdrs tjb olès must li"lys

uphltb tjbar sbr$agbs )ut tjb gjliib`kb as td grbltb l"lrb`bss l`h

mleb at obiab$loib td pdtb`tali giab`ts

Wtltb . Wdgabty

Glploaiatabs

Gustdmbrs L mdoaib jl`hsbt mly `dt blsaiy ob dpbrltbh td jl`hib

olèa`k trl`slgtad`s ls mdst dc dur pbdpib hd `dt jl$b

sdu`h tbgj`didkagli e`d"ibhkb

Xbgj`didky

Gdiilodrltdrs Jakjiy hbpb`hb`t d` tjb lkb`ts l`h tjb tbibgdm plrt`brs

Wtltb & Wdgabty (accaguity a` hbtbrma a`k tjb "rd`khdbr a` grambs iaeb md`by

ilu`hbra`k' tbrrdrast ca`l`ga`k

2. Xwd mdst sakàcagl`t strltbkag assubs HOOI as clga`k lt tjas pda`t dctamb>

(.< X)d Mdst A'*drtl`t #trltbkag Assubs>

(.? #akàcagl`gb dc #trltbkag Assubs>

2.?.< A`bccbgtavb Xdp J_>

2.?.< .< Claiurbs a` Lttrlgta`k Mlrebt>

O0lsj as gurrb`tiy tjb mlr'bt iblhbr l`h jls mugj mdrb mlr'bt sjlrb tjl` )OO, jls a` tjb a`hustry. Out

o0lsj lgtuliiy b`tbrbh a`td tjb mlr'bt iltbr. )bspatb oba`k tjb a`trdhugbr dc M!(a`l`ga`k a` Ol`kilhbsj$

)OO, jls claibh td kla` tjb ilrkbst mlr'bt strugturb. Xjas as mlaìy cdr a`succagab`t prdmdtad`li lgtavatabs.


6/15

Xjas rbcbrs td tjb ilg' dc prd!lgtavb strltbky a` tjb drklàltad`. ugj strltbky as tl'b` oy tjb tdp

ml`lkbmb`t dc tjb drklàltad`. d$ a`bccbgtavb tdp ml`lkbmb`t as rbspd`saoib cdr tjas.

2.?.

)OO, as d`b dc tjb mdst ampdrtl`t `ltad`li ol`' a` tjb gdu`try. (rdm ats a`gbptad`$ at jls obb` wdr'a`k cdr

tjb obttbrmb`t dc gdu`try l`h sdgabty. 4dwbvbr$ )OO, jls claibh td grbltb l` bmpidybb!hravb` guiturb

a`sahb drklàltad` wjb` bmpidybbs lrb kavb` cdgus ls l mlFdr hbtbrma`l`t dc pbrcdrml`gb dc

drkl altad`. #s tjbrb b*asts `d bmpidybb!hravb` guiturb a` )OO,$ tjb a`tbiibgtuli ydu`k pbdpib hd `dt

cbbi tjb pilgb lttrlgtavb td wdr'. Xjbsb ydu`k pbdpib kavb vliub td crbbhdm dc wdr'a`k$ dppdrtuàty dc

sjlra`k ahbls l`h a``dvltad` a` tjbar wdr'a`k pilgb. Xjus$ )OO, as claia`k td lttrlgt tjb obst pbdpib a` tjb

gdu`try.

"mpidybb!hravb` guiturb as bstloiasjbh tjrdukj tjb crab`hiy$ b`gdurlka k l`h lt tjb slmb tamb

pbrcdrml`gb!hravb` styib dc iblhbrsjap$ mdàtdra`k l`h wdr' hastraoutad` dc tjb tdp ml`lkbmb`t dc l`

drklàltad`. d tjb claiurb a` grblta`k bmpidybb!hravb` guiturb a` )OO, as l rbsuit dc a`bccbgtavb`bss dctjb tdp ml`lkbmb`t.

2.?.


7/15

)OO, jls glpatli suppdrt. d at wduih jlvb b`surbh prdpbr mla`tb`l`gb dc tjbsb #XM oddtjs l`h #XM

systbm. -c at wbrb `dt surb dc ats glploaiatabs$ at wduih `dt jlvb tl'b` tjlt strltbky lt tjb carst pilgb. Ljb`

at wb`t cdr tjas strltbky$ at wduih jlvb b`surbh prdpbr mla`tb`l`gb. Xjus$ )OO, jls claibh td prdvahb

obttbr sbrvagb tjrdukj strltbkag mdvbs ls tjby jlvb claibh td prdpbriy ampibmb t strltbkabs. #s

cdrmuiltad` l`h ampibmb`tltad` dc haccbrb`t strltbkabs lrb tjb rbspd`saoaiaty dc tdp ml`lkbmb`t$ tjb tdp

4_ dc )OO, as sdmbjdw a`bccbgtavb.

2.?.? Vddr Gdiilodrltad`>

2.?.?.< Claiurb a` $uaiha`k %bt&dre d' Lkb`ts>

)bspatb oba`k l cdiidwbr$ o0lsj gurrb`tiy as tjb mlr'bt iblhbr. trd`k `btwdr'a`k strltbky watj lkb`ts jls

mlhb tjb o0lsj mdrb lvlailoib l`h lggbssaoib bvbrywjbrb. -` clgt$ tjas as d`b dc tjb suggbss clgtdrs dc

o0lsj. )OO, jls wltgjbh tjas strltbky dc gdmpbtatdrs l`h ybt jls `dt tl'b` l`y rblgtavb strltbky.

(drmuiltad` l`h ampibmb`tltad` dc sugj rblgtavb strltbky as l 'by rbspd`saoaiaty dc tdp ml`lkbmb`t. d

tjas lisd pda`ts dut a`bccbgtavb`bss dc tdp ml`lkbmb`t a` )OO,.

2.?.?.? (lge d' diilodrltad` &atj rbltavb Lkb`gy ) Mbhal>

&`b dc tjb rblsd`s obja`h wjy bvbryd`b a` tjb rbmdtbst gdr`br dc tjb gdu`try as clmaialr td o0lsj as

tjbar jblvy prdmdtad` l`h pdwbrcui orl`ha`k. )OO, jls ats dw` prdmdtad` wjagj jls tur`bh dut td ob

a`succagab`t a` tbrm dc grblta`k gd`sumbr lwlrb`bss. Ljb` tjb lwlrb`bss as `dt succagab`t$ tjb dtjbr ?

clgtdrs dc #-)# mdhbi waii `dt wdr'. 4b`gb$ )OO, as ilkka`k clr obja`h crdm o0lsj a` tbrm dc mlr'bt

sjlrb jdiha`k. -c )OO, jls prdpbr gdiilodrltad` watj prdpbr grbltavb lkb`gy l`h mbhal$ tjb satultad`

makjt `dt ob tjb slmb.


8/15

2.?.?.! (lge d' diilodrltad` &atj Lkb`ts>

#s lirblhy mb`tad`bh$ strd`k `btwdr' dc lkb`ts as l 'by clgtdr a` tjb suggbss dc o0lsj. Oba`k tjb

pad`bbr$ )OO, wduih jlvb jlh gdiilodrltad` watj tjb ilrkbst `btwdr' dc lkb`ts. )ub td ilg' dc

gdiilodrltad` watj lkb`ts$ M!(a`l`ga`k sbrvagbs dc )OO, lrb ibss lvlailoib l`h lggbssaoib cdr gd`sumbrs.

#t tjb slmb tamb$ gd`sumbrs lrb ibss lwlrb dc tjb sbrvagb. Xjas as obglusb lkb`ts lisd wdr' ls l wdrh!

dc!mdutj.

3. Wtrltbkag Mdvb>

+.< Md,bs td ob tl!b` cdr Obttbr Xd* Ml`lkb'b`t>

3.

Xjrdukj gdiilodrltad` watj rbputbh u`avbrsatabs a` tjb gdu`try )OO, gl` grbltb l tlib`t pddi. ugj tlib`t

pddi waii b`surb obst juml` rbsdurgb wjb`bvbr as rb


9/15

3.

Xjb wdrih mlr'bt as vbry gdmpbtatavb. # mlFdr hbtbrma`l`t dc a`havahulis Fdo prbcbrb`gb as clar rbwlrh

plg'lkb. d ac )OO, wl`ts tjb obst pbdpib lt tjb tdp pdsatad`s$ at sjduih b`surb clar l`h gdmpbtatavb

rbwlrh plg'lkb.

3.


10/15

3.?. Gdiilodrltad` wat' _*+ ,w`br&>

)OO, gl` gdiilodrltb watj _MK dw`brs a` plrtaguilr idgltad`s. -c tjb klrmb`ts clgtdry ml'bs lwlrb l`h

b`gdurlkb ats bmpidybbs td usb tjb sbrvagb dc )OO,$ )OO, waii ob loib td lttrlgt `bw gd`sumbrs.

3.?.- Gdiilodrltad` wat' *! ,w`br&>

o0lsjjls cdgusbh d` md`by trl`scbr assub hbspatb tjb clgt tjlt tjby jlvb trabh td orl`h ls l clgaiatltdr dc

M"s. )OO, gl` b*pidat tjas dppdrtuàtabs. Xjby gl` gdiilodrltb watj M" dw`brs l`h dccbr ol`'a`k

sbrvagbs ia'b slva`k hbpdsat$ watjhrlwli$ dvbrhrlct$ plymb`t wjagj lrb `bbhs dc M" dw`brs a` tjbar hlaiy

ousa`bss lgtavatabs.

3.?.2 Gdiilodrltad` wat' +dvbr`"b`t>

Hdiilodrltad` watj kdvbr`mb`t gl` ob l vbry strd`k strltbky cdr )OO,s M!(a`l`gb. Hdmmd` puoiag as

arratltbh dc kdvbr`mb`t systbm wjaib tjby jlvb td wlstb l idt dc tamb l`h md`by a` tjb plymb`t dc utaiaty

oaiis$ tl* dr a` tjb gdiibgtad` dc trl`scbrs l`h pb`sad`. )OO, gl` gdiilodrltb watj kdvbr`mb`t sd tjlt

gdmmd` puoiag gl` hd tjbsb sdrts dc stuccs val mdoaib pjd`b tbgj`didky.

3.?.3 Gdiilodrltad` wat' /bvbidp"b`t ,rklà6ltad`& ) +,&>

)bvbidpmb t drkl altad`s l`h BK&s wdr' cdr tjb hbvbidpmb t dc spbgacag cu`gtad`li sbgtdrs l`h

gd`sumbr sbkmb`ts. (dr b*lmpib$ tjbrb lrb drklàltad`s tjlt cdgus d` strbbt pbdpib dr sb*!wdr'brs dr

sium!hwbiibrs. Ljaib wdr'a`k watj tjbsb pbdpib$ hbvbidpmb`t drklàltad` l`h BK&s `bbh td b`surb tjb

ca`l`gali a`giusad` dc tjdsb uòl`'bh pdpuiltad`. Oy gdiilodrlta`k watj hbvbidpmb`t drklàltad`s l`h

BK&s$ )OO, gl` b*tb`h ats jbipa`k jl`h td tjdsb u`hbrpravaibkbh pbdpib val ats M!(a`l`ga`k brvagbs.

;. Mdhbi sy`tjbsaza`k Wtrltbkag Mdvbs>


11/15

/.< Gdr*drltb b,bi Mdhbi>


12/15

/.? Ousa`bss b,bi Mdhbi>


13/15

/.7 Cu`gtad`li Mdhbi>


14/15

Oaoiadkrl*yLjmbh' L' 23oli ' X' . _ljml`' M ;78:*1 Wtuhy d` Mdoaib Ca`l`ga`k Wbragb!" Vrdoib#! l`h

Vrd!$bgt!%(jlel

)l`kilhbsj )lè ;78::1L#b`h#b`t d& 'uahbia`b! d` Mdoaib Ca`l`gali Wbragb! &dr t(b

)l`*!%)l`kilhbsj )lè

)lra' L W ;78:*' >u`b 51 Mdoaib )lèa`k Wgb`lrad a` )l`kilhbsj ;9 @ Ljmbh' . L Ljmbh'

2`tbr$ab"brs1

)dleyb' 9' Wgdtt' @' . Wmytj' G ;78::1 Mdoaib Cdr +bbid$#b`t%=àtbh @ltad`s

)X_G ;78:7' Wbp :01 Mdoaib Md`by Xrl`!&br _btrab$bh Wbp 7:' 78:*' crdm )X_G4

"""otrgkd$ohFa`hbpjpOdptad`gdmHgd`tb`t.$ab"lrtagib.ah70,.2tbmah65,

())I ;78:71 +)), L`ùli _b$drt -./-%(jlel4 ())I

())I ;78:7' >u`b :71 Mdoaib )l`*a`k Lkb`t! l`h Mbrg(l`t! _btrab$bh >u`b B' 78:*' crdm

(utgj )l`kil )lè Iamatbh4

jttp4FF"""hutgjol`kilolègdmF())ICboFmdoaiblkb`tsKsp

Ju3' M M ;78:*' >u`b ,1 Jblh dc Mdoaib )lèa`k' ())I ;X 23oli' 2`tbr$ab"br1

2&G ;78:*1 AC6 Mdoaib Md`by Wgd$a`k _b$drt %(jlel4 2`tbr`ltad`li &a`l`gb Gdrpdrltad`

2silm' ( M' . Mlmu`' M W ;78::1 [dr*a`k Vl$br Wbrab!" [V//./< Ca`l`gali A`giu!ad`" X(b

_dib d& )l`kilhb!( )l`*%(jlel4 _bsblrgj (bplrtmb`t' )l`kilhbsj )lè

2silm' 2 ;78::1 X(b )l`kilhb!( Xbibgd#! Wbgtdr" 6(liib`kb! l`h D$$drtuàtatb!%(jlel4

Lsal` Xakbr Glpatli !lrt`brs

9lram' L' 2silm' W' . Lilm' _ ;78:71 Mdoaib Ca`l`gali Wbragb! a` )l`kilhb!("L` Dbrab?

d& Mlr*bt +bbid$#b`t%

9!M# ;78::1 Md`bta7a`k Mdoaib%Gjaglkd4 9!M#

M( X=9J_?>=I 2@LM' M ) ;78:71 !WW2)2I2X2?W L@( GJLII?@#?W & M)2I?

)L@92@#4 L GLW? WX=( 2@ )L@#IL(?WJ A`tbr`ltad`li 8dur`li d& Lhl`gbh

6d#$utltad`li B`ka`bbra`k l`h @bt?dr*a`k' 78-75

;78:71 Mdoaib Ca`l`gali Wbragb! a` )l`kilhb!("L` Dbrab? d& Mlr*bt +bbid$#b`t%(jlel4

)l`kilhbsj )lè

!lr$a`' L ;78:*1 Mdoaib )lèa`k pbrltad` a` )l`kilhbsj4 !rbhagtad` dc &uturb8dur`li d&

A`tbr`bt )l`*a`k l`h 6d##brgb' :-:5


15/15

strategic roadmap for dutch bangla bank limited for mobile financing

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