This presentation summarizes Dutch Bangla Bank Limited's mobile banking services. It introduces DBBL and its establishment in 1995. It then defines mobile banking and explains how DBBL was the first bank in Bangladesh to launch such services in 2011, with the aim of increasing financial inclusion. The presentation outlines the key features and benefits of DBBL mobile banking, including cash deposits, withdrawals, funds transfers, bill payments, and salary disbursements.

1. WELCOME TO MY PRESENTATION
DBBL Mobile Banking
Prepared By: Md Tanvir Hossen,
ID: BBA110204177,
Course Title: Bank Management
Course Code : FIN4207
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2. INTRODUCTION:
Importance of banking system in a country is
increasing day by day. It is quite impossible for any
country to develop in industrial and commercial
sector without sound banking system in modern
economic era. Mobile Banking is one of the
significant functions of the bank. It plays a vital role
in overall economy of the country.
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3. BACKGROUND OF DUTCH BANGLA BANK
LIMITED:
Dutch-Bangla Bank Limited is a second generation
bank that was established in 1995 with a dream
and a vision to become a pioneer banking
institution of the country and contributes
significantly to the national economy and society
also. The authorized capital of the Bank is today Tk.
4000.00 million. Its Paid-Up-Capital Tk. 2000.00
million and Reserve reached to Tk. 5108.26 million
as on December 31, 2013. 3

4. WHAT IS MOBILE BANKING?
 Mobile banking is a system that allows customers of a
financial institution to conduct a number of financial
transactions through a mobile device such as mobile
phone or personal digital assistance.
 Mobile banking is most often performed via SMS or the
mobile web.
 The first mobile banking was operated by the National
Bank of Scotland and came into service on 5 November
1946
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5. DBBL MOBILE BANKING:
Bangladesh Bank permitted 10 commercial bank to do such
kind of mobile banking business that the rural people who
have mobile but haven’t banking facilities, Service holders
can get there salary by the mobile banking. DBBL launched
Bangladesh's first foray into mobile banking in July 2011.
The aim of this service was to enable financial inclusion.
This service which was planned since 2007 was done solely
by the bank without any external aid, financing, or
stakeholders. 5

6. OBJECTIVE OF MOBILE BANKING:
Around 87% of the total population of Bangladesh is un-banked.
To bring such a huge population into the banking
channel, DBBL is implementing a system to launch mobile
banking soon
 Cash deposit to any Agent of DBBL
 Cash withdrawal from any Agent of DBBL
 Cash withdrawal from DBBL ATMs
 Funds transfer to another mobile account
 Utility bill payment, Tuition fee payment, Air time top-up.
 Receive remittance from home and abroad
 Salary disbursement
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7. MOBIL BANKING PROCESS:
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Customer
Registration
Cash-in (cash
deposit)
Cash-out (cash
withdrawal)
Cash-out (cash
withdrawal)
salary
Disbursment
Foreign
Remittance
Others

8. CUSTOMER REGISTRATION:
MOBILE ACCOUNT OPENING PROCEDURE
Applicant
fills up the
relevant
application
form in the
prescribed
manner
He/ she is
required to
fill up the
specimen
signature
He/ she is
required to
fill up the
specimen
signature
Depositing
the cash
Account is
opened
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9. CONT…
After registration of DBBL Mobile Banking DBBL cell
center call customer for choosing the password.
Customer chose four digit number what they like.
The mobile banking number will be like mobile
number with one cheque digit. It will be active within
1-2 working day.
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10. CONT…
Necessity
 A person who wants to open an account he/she
should have some documents to open an account,
these are-
 1. 2 copies PP size photo of Applicant
 2. Photocopy of National ID Card
 3. 100 take as account opening charge
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11. WHAT REQUIRED TO OPEN A MOBILE BANK
ACCOUNT?
National
ID Card
Passport
Size
Photo
Mobile
Phone
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12. CONT…
Cash-in (cash deposit):
Customer can cash-in (deposit) at any authorized agent of
DBBL (at present Citycell&Banglalink agents) or DBBL
Branch.
Cash-out (cash withdrawal):
Customer can cash-out (withdraw) at any authorized agent
of DBBL (at present Citycell&Banglalmk agents), DBBL
ATMs and DBBL Branch 12

13. CONT…
Salary/AIIowance Disbursement
It is a process by which Corporate Office can disburse
the salary of their employees and Government can
disburse different allowances like elderly allowance,
freedom fighter allowance to the people within a
few moment in a hassle free way.
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14. FOREIGN REMITTANCE:
It can be sent to Mobile Account-
 Exchange houses at abroad receive remittance against
beneficiary’s mobile account number
 Exchange houses send the mobile account number and the
amount to DBBL
 DBBL will centrally credit the amount against respective
mobile account
 The beneficiary will get an SMS regarding such transaction.
 The beneficiary can go to any agent or DBBL ATM or DBBL
Branch for withdrawal of money
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15. OTHERS:
 Merchant Payment
 Utility Payment
 Air-time Top-up
 Fund Transfer
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16. ADVANTAGES OF MOBILE BANKING:
The biggest advantage that mobile banking offers to banks is that it
drastically cuts down the costs of providing service to the customers.
 You can make transactions or pay bills anytime. It saves a lot of time.
 Mobile banking thorough cell phone is user friendly. The interface is also
very simple. You just need to follow the instructions to make the
transaction. It also saves the record of any transactions made.
 Cell phone banking is cost effective. DBBL provide this facility at a lower
cost as compared to banking by self.
 Banking through mobile reduces the risk of fraud. You will get an SMS
whenever there is an activity in your account. This includes deposits,
cash withdrawals, funds transfer etc. You will get a notice as soon as any
amount is deducted or deposited in your account.
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17. CONT….
 Banking through cell phone benefits the banks too. It cuts
down on the cost of tele- banking and is more economical.
 Mobile banking through cell phone is very advantageous to
the banks as it serves as a guide in order to help the banks
improve their customer care services.
 Banks can be in touch with their clients with mobile banking.
 Banks can also promote and sell their products and services
like credit cards, loans etc. to a specific group of customers.
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18. DISADVANTAGES OF MOBILE BANKING:
 Uncertainties over the speed and nature of
customer adoption
 Lack of interoperability with existing systems
 Regulatory barriers
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19. RECOMMENDATION:
Continue Mobile Banking in the rural areas to increase
the use of E-Money especially in commercial
applications. Continuous pilot testing of the other M-Banking
services to model cost effective ways of
reaching more and more people in areas farther away
from bank. Develop a mobile banking website as
information portal particularly for M-Banking.
Continuous support and training workshop on Mobile
Banking Procedures develops on going Developed M-banking
system to automated transecting. 19

20. OTHER POPULAR MOBILE BANKING SERVICES IN
BANGLADESH
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21. 21

22. Rural people are
the potential
customer
35% of m-banking
customer
are highly
satisfied
Some village
people do not
trust mobile
banking
SOME FACTS
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23. THANK YOU
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24. ANY QUESTIONS ??? 24