Digital finance can play a transformative role in Bangladesh's transition to a cashless economy. Mobile money and fintech platforms have already demonstrated their reach, particularly in rural areas, but progress remains uneven. Key challenges such as high transaction charges, weak infrastruc- ture in remote regions, and gaps in financial literacy must be addressed urgently. Regulatory bodies should coordinate more effectively to ensure consistency and enable innovation. Banks and fintech firms will benefit from partnership and trust building, prioritizing security, transparency, and local needs. Affordable and seamless digital payments will encourage broader adoption among citizens and businesses. Over time, this will not only deepen financial inclusion but also improve efficiency in the economy and strengthen revenue collection, transparency, and governance. The path forward is clear: lower barriers, invest in infrastructure, and build confidence. Through this approach, Bangladesh can unlock the full potential of digital finance and create more equitable access to economic opportunity.
