Published on February 19, 2014
M-Finance Industry of Bangladesh: PESTLE Analysis Prepared by: Maleeha Tarannum
Macro Economic Overview of Financing in Bangladesh • Only 2.221 banking branches and 1.443 ATM booths per 100 square kilometre • 5.28 banking branches and 1.28 ATM booths per 1,00,000 people Low financial inclusion
Political Economical POLITICAL FACTORS Social Technological Legal Environmental •Inconsistency between policies taken by different ruling power •Misuse of power in term of choosing agent or channel partner
Political Economical ECONOMICAL FACTORS Social Technological Legal Environmental • Micro financing is increasing purchasing power of rural people • Mobile financing requires only 10% of cost required for financing through manual channel • In mobile financing individual needs to pay less portion of transaction as transaction fee
Political Economical SOCIAL FACTORS Social Technological Legal Environmental • Sense of distrust among people • Huge unbanked population • Opening bank account is considered inconvenient • Success of SMEs requires more access to formal banking via informal channel • Huge population working in RMG sector tends to see mobile banking as an easier mode of transferring money to rural area • M-Financing is considered more convenient for transferring remittance
Political Economical TECHNOLOGICAL FACTORS Social Technological Legal Environmental • Rapid growth of mobile phone users • Increasing mobile network coverage • Security issues • Money Laundering • Poor IT infrastructure
Political Economical LEGAL FACTORS ENVIRONEMTAL FACTORS Social Technological Legal Environmental • Only bank-led model of M-Financing is approved by Bangladesh Government • Limit on P2P transaction of taka 10,000 per day and 25,000 per month • M-Financing requires less physical infrastructure and thus has less adverse impact on environment
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View Maleeha Tarannum’s professional profile on LinkedIn. ... I want to solve prevailing social issues and problems in Bangladesh.