This document discusses opportunities for innovation at a financial institution. It identifies several areas for potential new products and services, including app-based banking services through partnerships with other banks and fintech companies, expanding savings schemes, facilitating international remittances, offering digital loans through partnerships with NBFIs, investing in ride-sharing and ticketing services, leveraging e-commerce platforms, and improving the delivery of personal merchant accounts for small businesses. It also recommends ways to enhance the user experience of digital offerings through improved user interfaces and additional features.
2. __ wherever you want to be
iBanking
SCB, Eastern, NCC, IBBL, Pubali,
Mutual Trust, South East, Jamuna,
Modhumoti, Simanto etc.
Portfolio
Enhancement
New Product &
Services
App Based
Services
Bank to Nagad
Sonali, Agrani, Janata
Pay Bill
BPDB, BREB (post)
Rajshahi WASA, NID
Rangpur City Corporation
Savings Scheme
Post Office Savings Schemes
Remittance
Partnering with cross-border
MTOs (Payoneer)
Digital Loan
Partnering with NBFIs for Nano
Loan
Ride Sharing/Ticketing
UBAR: Avg 500k trip against 4mn
req/m (300tk/ride)
SHOHOZ: 15mn Unique Users,
150k/month ride sharing
e-Commerce
DARAZ: 64% DAU, Order
100k/day, Avg basket value 2k
Delivery Platform
FOODPANDA: 25k restaurants
with avg 300tk basket size
Personal Merchant a/c
8,000 e-commerce & 2 lakh
f-commerce actively operating (avg
basket value 2.5k)
3. __ sharpening the saw
More category and
clubbing similar contents
Display hero product in
top & enlarge font
Incorporate additional
feature & services
UI/UX
More B2B partnership (industry specific)
Utilize salary disbursement scope
Explore cross selling opportunity
Partnering with bank/VISA for ATM
withdrawal
Nagad Sheba at around 9k Post Office
mostly located in rural areas
Hot deal offer at middle
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