MIS on Bkash

1. bKash
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Executive Summary:
The report titled on Management information system of Bkash Limited, a subsidiary of BRAC
Bank, started as a joint venture between BRAC Bank Limited, Bangladesh and Money in
Motion LLC, USA. In April 2013, is submitted as partial requirements of the BBA program of
Jahangirnagar University.
This report will show which information system is used in bkash company. In which way they
transfer money everywhere. This report contains four chapters.
Chapter one contains introduction which is started with basic information of bkash company.
The basic purpose of preparing this report has been enumerated here. It has also been explained
the importance of MIS in a company. It also contains other elements such as objective,
limitations of the report.
Chapter two is about company at a glance. This contain a short history of bkash limited
company. It also explain their product and services. They have some media center which is
described by this chapter. So it actually covers the company’s information in a short.
Chapter three describe MIS of bkash that means what hardware and software is used by them
to transfer money everywhere easily.
And the last but not the least chapter four, the conclusion part has been attached in an efficient
manner.

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Table of Contents
Executive Summary:..................................................................................................................1
Introduction................................................................................................................................3
Company Profile ........................................................................................................................3
Objectives of the Study..............................................................................................................4
Background and opportunity......................................................................................................5
Mobile Banking..........................................................................................................................6
World View of Mobile Banking ................................................................................................7
Infrastructure for Mobile Banking .............................................................................................8
Mobile Banking in Bangladesh Banking ...................................................................................8
BRAC Bank/BKASH Banking Model.......................................................................................9
bKash services: ........................................................................................................................10
Most popular software using in bKash ....................................................................................12
 Business Management Software ......................................................................................13
 Money Transaction Software...........................................................................................14
 Customer Relationship Software: ....................................................................................17
 Auto bkash server software..............................................................................................18
Flexiload...............................................................................................................................18
Mobile Banking....................................................................................................................19
Reporting..............................................................................................................................20
 POS (Point Of Sale) Software..........................................................................................20
Point Of Sale Software Features ..........................................................................................20
Bkash Distributor Payment Collection ................................................................................21
 Ciena Adds Apps for Optical Network Flexibility ..........................................................21
 Bkash now using vehicle management system developed by Arena Phone....................22
Findings....................................................................................................................................23
Recommendations....................................................................................................................24
Conclusion ...............................................................................................................................24
References................................................................................................................................26

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Introduction
The digital revolution continues to transform most aspects of our daily life. In particular, the
digital revolution has resulted in the vertical convergence of business channel capacities [1].
The digital revolution also continues to transform the public sector organizations and services.
For instance, the DMP (Dhaka Metropolitan Police) receive GD (General Diary) application
via online, Passport application, TIN (Tax Identification Number) registration, University
admission etc. are also submitted through online. Other examples are Train tickets bought via
mobile phones, online purchases, and social interactions made via SMS, emails and social
networks. A next step in the digital revolution is the transformation of the time honored
traditional physical wallet into the e-wallet.
bKash is one of the largest mobile financing company of the country. It is also witnessing high
growth. However, growth in the mobile financing industry is showing signs of growing. Hence,
I tried to portray an overview of the mobile financing industry of Bangladesh and analyze
bKash performance compared with DBBL Mobile Banking. bKash is a mobile money system
in Bangladesh operating under the jurisdiction of Bangladesh Central Bank as a subsidiary of
BRAC Bank, a local bank. The service aims to serve users at the bottom of the economic
pyramid (BOP) ensuring a broader range of financial services across Bangladesh’s population
as a whole. The service uses a USSD interface, accessible via a basic handset, offers no
cashing-in fee and low cashing-out and person-to-person transfer fees. These elements provide
a system by which BOP users can send money in a way that is fast, secure, and affordable.
Launched in July 2011, the service now has 2.2 million registered customers.
Company Profile
BKash Limited, a subsidiary of BRAC Bank, started as a joint venture between BRAC Bank
Limited, Bangladesh and Money in Motion LLC, USA. In April 2013, International Finance
Corporation (IFC), a member of the World Bank Group, became an equity partner and in April
2014, Bill & Melinda Gates Foundation became the investor of the company. The ultimate
objective of bKash is to ensure access to a broader range of financial services for the people of

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Bangladesh. It has a special focus to serve the low income masses of the country to achieve
broader financial inclusion by providing services that are convenient, affordable and reliable.
More than 70% of the population of Bangladesh lives in rural areas where access to formal
financial services is difficult. Yet these are the people who are in most need of such services,
either for receiving funds from loved ones in distant locations, or to access financial tools to
improve their economic condition. Less than 15% of Bangladeshis are connected to the formal
banking system whereas over 68% have mobile phones. These phones are not merely devices
for talking, but can be used for more useful and sophisticated processing tasks. BKash was
conceived primarily to utilize these mobile devices and the omnipresent telecom networks to
extend financial services in a secure manner to the under-served remote population of
Bangladesh.
Objectives of the Study
In Recent days mobile financing industry become very much comprehensive. It deals with
different areas to capture the market & it requires huge promotional activities to survive. Beside
this it takes huge effort to known this system with general people. Moreover, they have to come
up with different innovative ideas to have a position in the market. Thus, the study covers a
broad spectrum such as Service, price, promotion, government, regulation etc. Based on the
above facts the specific objectives of the study follows:
 To give an overview of Mobile financing industry in Bangladesh
 To find out about the future prospects in the industry.
 To evaluate the performance of bKash.
 To evaluate the competitiveness of bKash in the market.
 To get an insight of the products of bKash.

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Background and opportunity
In Bangladesh, as with many other countries in the developing world, people travel to urban
centers to earn a livelihood so they can support families in rural areas. One fundamental insight
driving the development of bKash was to cater for this growing class of workers, creating an
efficient system by which they could send money home in a secure, fast and affordable way.
bKash came up with a simple USSD interface, accessible by the cheapest (i.e. $15) handset.
“Smartphones would make it easy to implement mobile money, but the service would then be
limited to only affluent customers and would defeat the purpose of reaching the unbanked and
poor.” Registering for bKash and cashing-in services are free of charge. For person-to-person
transfers, customers pay a flat fee of BDT 2 (or $.02) irrespective of the size of the transaction.
In case a customer wants to cash-out, there is a flat fee of 1.85% on the amount withdrawn. For
example, if a user wants to cash-out BDT 50, the cash-out fee is BDT 0.92 (or $.01). “Many
bKash customers have such small tickets, but their large volume compensates for the apparent
small ticket size.” As per the central bank’s prescription, bKash deposits the full value of its
customers’ wallet balances in a designated BRAC Bank account, which is under the
surveillance of the central bank. Separately, BRAC Bank maintains the record of all individual
bKash accounts in its own system. “In the process, bKash maintains an arrangement that is cost
effective, but stays fully under the central bank’s jurisdiction.” Once users have electronic
money in their bKash mobile wallets, they can send the money to another bKash mobile wallet
instantly. Recipients can walk to bKash retail agents who give physical cash in exchange for
electronic money and charge service fees. “bKash’s focus on reaching the poor distinguishes it
from services that have fees for cash-in or a minimum cash-out fee.”

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Mobile Banking
The massive improvement of technologies around the world brings an opportunity to improve
the technological platform of banking sector. The goal of the extending service of banks with
improve technology is to satisfy the desire of customers. One of the extending services with
modern technological advancement is Mobile Banking. In this process of banking customer are
allowed to access into the banking system in anytime from anywhere.
The requirements for this process are to have a mobile device and mobile network connection.
The core benefit of this mobile banking is to reach to the people who do not have the access in
internet banking or in normal banking procedure. It is mostly helpful for the people of remote
areas (GSMA Mobile and Development Intelligence, 2012). According to Raseda Sultana,
millions of people across the developing nations are relying on informal economic activities
for their living and most of these people are from the bottom stage of the pyramid. These mass
populations do not have the access into the basic financial services or the regular banking
system. This mobile banking brings the opportunity for these people to get the banking facility.
Now the reason why “mobile banking” is getting greater emphasize because more there are
than 4 billion mobile subscribers who represent 61% population of world. So it is the best way
to reach among the biggest portion of world population. Also, mobile banking needs less
processing than general banking process. It helps the banks to reduce cost, requires less storage
facility. Mobile Banking is also better process among all the other e-banking process. In
internet banking there has the higher risk then mobile banking due to hacking system. Also to
use internet banking people needs extra skills to use computer. On the other hand, to use Mobile
Bank, customers’ needs to have the basic idea about how to operate mobile in daily life. So to
use this mobile banking a great level of awareness is not needed to create. It is said that mobile
banking is one of the best thing ever happened in the personal finance management. Through
this process customers will keep them attached with the banking system all the time. This
mobile banking is still in growing business. In some countries mobile banking is become very
much popular while in some countries it is just in the beginning stage. Though it is in an
emerging stage but already mobile banking has created a good level of impact in world
economy.

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World View of Mobile Banking
According to Mas (2010) a financial revolution is happening in money transactional world and
it is not only happening only in the skyscrapers of rich countries but also in the slums of
developing countries. This revolution is happening through the branchless banking system of
mobile banking. Mobile Banking first introduced in 2001. From 2001 to 2006 there were only
10 Mobile Banks were in world. In 2009 it increased up to 25, in 2010 it increased up to 38
and in the middle of 2011 this number of mobile bank increased up to 50. Surprising by the
end of 2011 this number reached up to 140 m-commerce organizations. The major mcommerce
boom has happened in African region following by Asian countries (Michael U. Klein, 2011)
In African Nations, different mobile companies are coming with the mcommerce business.
Orange mobile company is running an m-commerce business with brand name of Orange
Money mobile banking. They are running this business in Mali, Senegal, Madagascar, Kenya,
Ivory Coast and Niger. Since 2008 they have signed up 1 million people. Though there are
multiple mobile banks are working in African nations but the real impact has been made by M-
Pesa. M-Pesa is a mobile bank which is a subsidiary of Vodafone. Only in Kenya, M-Pesa
register more than 13 million customer, while in Tanzania, M-Pesa has 6 Million customers
and in 2010 in total 670 million transactions generated through this mobile banking service. In
Latin America potion Telefonica is giving the service of mobile banking in four countries.
Among those countries in Brazil, mobile banking is establishing its place in good speed. It is
believed that after Africa, Latin America is the place where mobile bank will have greater
success. In Latin America only 35 percent people have bank account while 90 percent people
have mobile phones. In northern American side, in USA almost 20% people are using mobile
banking service in regular purpose. In Asian side mobile banking is also on the way of success.
In Pakistan, where are only 14% regular banking subscribers in there already 500,000
customers are already subscribed with mobile banking (http://www.thecitizen.co.tz). This
mobile banking is also successful in South Korea, Japan, China and Malaysia. In Japan, there
are already more than 1.5 million active mobile banking users and it is increasing. Maldives
and Bangladesh are also joining in this race. In India till now 77 banks have received the
approval for mobile banking. Though mobile banking have a greater success in world-wide it
is not seen the success in the European region yet. It’s already failed in Spain, Austria and some
Scandinavian countries. In Germany, in 2003 there were 22 banks were giving mobile banking
service but in 2006 it reduced into 14. It is believed that after the establishment of 3G service
in all over the Europe, then mobile banking may have success in Europe.

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Infrastructure for Mobile Banking
Mobile Banking service can be provided in two different processes. One of these are Banks
can directly give the mobile banking service towards the customer. In this process banks are
having their own network system. On the other hand, in other process banks are using the 3rd
party for giving this mobile banking service. In this process banks are having only the database
system and the service providing duty is relying on the 3rd party. Now, based on these services
providing process, service can be delivered in two different ways. These are application based
(GPRS protocol) and the other one is SMS based. In most of the countries especially in the
developing countries, SMS based mobile banking is using widely. It requires very low cost and
low bandwidth and also it is easy to understand.
Mobile Banking in Bangladesh Banking
Bangladesh is 8th largest populated country in the world with around 161 million populations.
In Bangladesh, almost 31.5% populations are living under poverty (The Central Intelligence
Agency (CIA, 2013). From this huge population only 13% people have bank account. On the
other hand, there are almost 90 million mobile phone subscribers in Bangladesh. From the point
of view of Bangladesh, the expansion of e-banking is opposed by the problem of institutional,
infrastructure and regulatory problems. Absence of central networking system, unskilled
people and absence of proper policies are lacking behind the whole system. Bangladesh Bank
is developing country’s payment system but by that time all the banks are not able to improve
their ICT system. In this scenario, it’s hard to reach to mass people with current banking
system. From this plot, the concept of mobile banking emerged to reach the banking facility to
the unbanked people. People also take this system as good one as 69% people believe this
“mobile banking” has prospect in Bangladesh (Bank, July 2012). Mobile banking is a new
banking concept in Bangladesh. Bangladesh Bank is influencing banks to operate this mobile
in a serious manner to reach to the unbanked people of Bangladesh. Bangladesh Bank believes
that mobile is the easiest way to reach to the rural part of the country with the banking service.
Still now, Bangladesh Bank has given license to 23 banks to run this mobile banking operation.
Among these, 14 banks have full Mobile Financial Service permission and other 9 banks have
the permission for international remittance transaction only through mobile. (Bank, July 2012)

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BRAC Bank/BKASH Banking Model
BKASH Limited is a joint venture between BRAC Bank Ltd., Bangladesh, and Money in
Motion LLC, USA. BRAC Bank introduced it mobile services by the name of BKASH, started
Mobile Banking on July, 2011. BKASH has followed a unique model for deployment of the
Mobile Banking in Bangladesh. bKash model has the following characteristics:
Bank-led model: BKASH Mobile Banking is a Bank-led model to fulfill the basic banking
needs utilizing mobile phones to the people who are unable to use conventional Bank services
for different reasons and constraints.
Vision: Ensuring access to a broader range of financial services for Bangladeshi people is the
ultimate objective of BKASH. It has a special focus to serve the low income people of the
country and promote sustainable micro-savings to achieve broader financial inclusion by
providing financial services that are convenient, affordable and reliable.
Bank for Poor: bKash is working both as an extension of BRAC Bank and as a full-scale
mobile phone-based payment switch. This will highly benefit the country as 83% of the
population lives under $2 a day and access to finance can help in improving their economic
situation. Less than 15% of Bangladeshis are connected to the formal financial system whereas
44% of total populations are having mobile phones. Providing financial services using this
mean can make the service more accessible and cost effective for the vast population of
Bangladesh.
Five Parties involved: BKASH Mobile Banking has involved five parties – Bank (BRAC
Bank), Partners (Money in Motion LLC, USA), Mobile Network Operators (MNO), Agents
and Customers with a commission model to suit each of the parties.
Four Geographical tiers: The country has been divided into four tiers – territory, sub-district,
district and division. But BKASH mainly focus on the Poor people to serve them banking
facilities. So, their main focus on Working People in Garments Factories, Village area etc.
Present Condition: After the implementation of BKASH Banking Business Model the Present
Condition is that –

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Technology
MNO
Partnerships Lunch Customers Agents
Transactions
(TK.)
Fundamo
(Visa)
Banglalink,
Robi, GP
Jul –
11 237,423 5,283 118.51
By applying the basic Bank Led Model, BRAC BANK/BIKASH has become the Largest
Mobile Banking Services Provider in Bangladesh though the services started 2 Months after
the Dutch Bangla Bank. [March, 2012]
BKash Services:
bKash Limited is a subsidiary of BRAC Bank. It is a joint venture organization between Money
in Motion, LLC, USA and Brac Bank Limited Bangladesh (bKash, 2013). Its mission is to
provide affordable, convenient and reliable financial service towards the customers. Its
technology platform is Fundamo (visa) (Bangladesh Bank, 2013). It also has the Full Mobile
Financial Service permission. bKash’s mobile network partners are Robi, Grammen Phone,
Banglalink and airtel. It is the only the mobile financial service provider which has one service
menu for all the operators. It has in total 30,000 agents all over the country. Still now it has the
highest numbers of agents in Bangladesh. bKash Limited is giving the service of cash in, cash
out, send money (P2P) and payment (payment through organization or in shop). It is offering
free registration and also free balance, statement check and changing PIN offer. Rather than
the authorized agents it is also available in all Robi WICs, BRAC channel and Continental
Courier channel. It’s highest amount of daily transaction limit is 1,25,000 Taka and highest
amount of monthly transaction limit is 2,50,000 Taka. Also its monthly highest P2P transaction
limit is 25,000 taka (Bank, July 2012). Still now, bKash is the most visible mobile bank in
Bangladesh. It is running heavy advertising from the beginning. It is running its marketing
through TV advertisement, Radio advertisement, billboard, Poster, festoon, leaflet, shop
pointer etc.
bKash provides six type of services. They are:

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 Cash- In
 Cash-Out
 Send Money
 Payment
Cash- In
This is a process of deposit money to bKash account. This service is provide in the agent
point. The total process is given bellow:
1. Go to any bKash Agent
2. Let the agent know the amount want to Cash In
3. Write down the bKash Account Number and the Cash In amount in the Agent Register
4. Pay the amount of money want to Cash in
5. In exchange, the agent will send balance to bKash Account.
Cash-Out
If bkash users have sufficient balance in their bKash Account, users can withdraw cash
anytime. There is two way of withdraw money from bkash account, one option is from
agents and another is from BRAC Bank ATM Booth.
Send Money
Send Money allows you to transfer money from one bKash Account to another bKash
Account. To send money the process is given bellow:
 Go to any bKash Mobile Menu by dialing *247#
 Choose “Send Money”
 Enter the bKash Account Number who want to send money to
 Enter the amount who wants to send
 Enter a reference about the transaction.
 Now enter the bKash Mobile Menu PIN to confirm the transaction
Payment
Anyone can make payments from bKash Account to any “Merchant” who accepts “bKash
Payment”.

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For example, if anyonewant to pay after shopping the process will be:
 Go to your bKash Mobile Menu by dialing *247#
 Choose “Payment”
 Enter the Merchant bKash Account Number for pay
 Enter the amount want to pay
 Enter the Counter Number* (the salesperson at the counter will tell you the number
 Now enter bKash Mobile Menu PIN to confirm (bKash, 2013)
Most popular software using in bKash
There are so many software are using in bKash for control the business and support the
customer. These are described in this report.

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 Business Management Software
Business software or a business application is any software or set of computer programs used
by business users to perform various business functions. These business applications are used
to increase productivity, to measure productivity and to perform other business functions
accurately.
By and large, business software is likely to be developed to meet the needs of a specific
business, and therefore is not easily transferable to a different business environment, unless its
nature and operation is identical. Due to the unique requirements of each business, off-the-shelf
software is unlikely to completely address a company's needs. However, where an on-the-shelf
solution is necessary, due to time or monetary considerations, some level of customization is
likely to be required. Exceptions do exist, depending on the business in question, and thorough
research is always required before committing to bespoke or off-the-shelf solutions.
Some business applications are interactive, i.e., they have a graphical user interface or user
interface and users can query/modify/input data and view results instantaneously. They can
also run reports instantaneously. Some business applications run in batch mode: they are set up
to run based on a predetermined event/time and a business user does not need to initiate them
or monitor them.
Features of business management software:
 All-in-one client management, billing & support solution for Businesses.
 Simplify & Automate Your Business With Online Accounting
 Accessible Anywhere
 Flexible chart of accounts & multi-dimensional analysis
 Reduce the need for spreadsheets & manual workarounds
 Make Administrative costs lower
 Increase customer satisfaction, improve agent productivity, & lower overall support costs
 Gain insight, Listen, & respond to customers in real time.
 Align sales, services & finance on one system
 Align business performance to organizational goals & objectives

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 Money Transaction Software
bKash is one of the easiest and fastest method of sending money anywhere in Bangladesh by
using mobile network.
WHY SHOULD YOU PR EFER BKASH ON LY?
 You can send money anywhere in Bangladesh within a second.
 You will get shopping facilities anywhere inside the country. So far I know, this is
currently availablein Aarong And if you have a shop, you can receive the payment from
your customer through bKash. It only needs a simple registration.
 Some online shopping sites are currently supporting bKash. So that you can go for
online shopping also.
ESSENTIAL STUFFS FOR REGISTRATION:
 Robi or grameenphone number.
 1 copy passport sized photo.
 Photocopy of voter ID or passport or driving license (no need to be attested).
 The person who is to be registered needs to be adult I mean above 18 & needs to be
physically present while completing registration process. This process is completely
free!!
REGISTRATION PROCESS:
At first you have to find an agent of bKash of your area. Don’t worry! You will get their address
on internet. Just click here. Select your area name (where you want to be registered).

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Then click on Find to get the address of the agents. Then you have to go that place along with
the necessary papers for registration (mentioned up above). The agent will give you a form.
Fill that up. You will get a configuration message on your mobile after that.
Now you have to create a transaction PIN for you constructed with four digit .Keep it secret.
You will need it at the time of withdrawing money. Your registration is completed!
LOADING MONEY:
Now it’s time to load the money on your account. It is the easiest process as similar to flexi
load. Just give the money & your number to the agent & you are done!

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WITHDRAWING MONEY:
At first inform the bKash agent about the amount you want to withdraw. He will give you his
account number. You have to send your money to that account. For doing that, dial- *247# from
your mobile. You will get bKash menu there. Select the option- Cash Out. After that
select- From Agent, type the account number of agent & press OK. Then you have to give
your PIN number. Yeah! Now you will get your money! Or if you won’t do these works ask the
agent to do these for you. No problem! Just don’t give him your PIN number. Keep that secret
& safe!!
CHARGES:
You can also send money others from your account. But in that case it will charge you extra
tk.2. So if you want to send money to anybody do that through the agent. Then you don’t have
to pay the extra charge.
Money Transaction Software Features
 Multi-agent, multi-channel & multi-currency Money Transfer Software
 Secure, Robust & Scalable
 Advanced 2-stage transaction authorization
 Data protection using role-based user logins
 Streamline your business processes
 Reduces time & paper waste

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 Offer an enhanced customer service
 Creates efficiency and ease for management
 And more...
 Customer Relationship Software:
CRM software is designed to help businesses meet the overall goals of customer relationship
management. Today's CRM software is highly scalable and customizable, allowing businesses
to gain actionable customer insights with a back-end, view business opportunities with predictive
analytics,streamline operations and personalize customer service based on the customer's known
history and prior interactions with your business.
Customer relationship management software is offered in a number of installations including
on-premises (where the software resides inside the corporate firewall and is managed by IT
operations), or as web-based (cloud applications) where the software is hosted by a CRM
provider and accessed by the client business online via the provider's secure services.
CRM Software Features
 Automate tasks, improve workflow and focus on creating and capturing opportunities
 Seamlessly populate visitor data from your website into your CRM
 Know where every customer is in the sales cycle, deal size, contact history
 Be in the know when on a call your customer
 Increase customer satisfaction, improve agent productivity, & lower overall support
costs
 Gain insight, Listen, & respond to customers in real time.
 Align business performance to organizational goals & objectives
 Integrate CRM modules with any third-party applications such as, accounting, ERP, e-
commerce, self-service portals, etc.

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 Auto bkash server software
Flexiload
Quick Topup System is most advanced and user friendly Automatic Mobile Recharge software
developed by Ezze Technology. Quick TopupSystem offers best features in the market with
real time reporting. Instant real time transactions. Proven reliable system to automate your
Business. With Quick TopupSystem Start your Recharge Business Today! Even you can
purchase to integrate with your existing software or billing platform through API.
Features Included - Automatic instant Flexiload. Quick Topup System supports multiple
modem for single Operator. Supports Grameenphone, Banglalink, Robi, Airtel, Teletalk. SMS
tracking, all incoming messages will be stored on the database. Simultaneous recharge on 5
lines. Real time transaction id matching with receiver message.
Features:
 Instant Automatic Flexiload
 Ultrafast Transactions
 Supports Multiple Agents
 Supports Multiple Modems for Single Operator
 Simultaneous recharge with Multiple Handler
 Options for Manual complete, Resend, Cancel & Refund System
 Flexiload SMS Log
 Automatic Modem Balance Update
 User friendly reports
 Operator report
 Account report
 Status report
 Payment report
 Balance report
 Account statement
 SMS Tracking, all incoming sms will be stored on the database
 Up to 4 label reseller (Reseller IV,III,II,I)

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 Approx 100 RPM (Request Per Minutes) Can be processed using 5 Modems
 Real-time Transaction ID
 Integrated APIs for Incoming & Outgoing Flexiload.
 Integrated Branded SMS, bKash, Qubee, Ollo, Bangla lion Bill pay Module.
 Support Operator : GP, Robi, Bkash, Airtel, Banglalink, Citycell
 Single Flexi,
 Unlimited Group Flexi,
 Unlimited Flexi From Excel /CSV File
 Pending, Waiting, Cancel and Success History
 Subtotal, Pending, Waiting, Cancel and Success list
 Recharge Tracking by Mobile Number
 Recharge Tracking by User ID
 Automatic and Manual System
 Mobile Apps Facilities
 Full Recharge SMS History
 Tran section ID and Sim Balance
Mobile Banking
 Support Mobile Banking: Bkash, DBBL,UCash, Mcash, MYCash, Surc Cash, Prime
Cash
 Unlimited Transection
 Super-Fast Speed
 Agent and Personal Number Facilites
 Pending, Waiting, Cancel and Success History.
 Subtotal, Pending, Waiting, Cancel and Success list
 Bkash Tracking by Mobile Number
 Bkash Tracking by User ID
 Automatic and Manual System
 Mobile Apps Facilities
 Full Bkash SMS History
 Tran section ID and Sim Balance.

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Reporting
 Collection History
 Payment History
 Recharge Report
 Mobile Banking Report
 Bank Transfer Report
 Total Sell Report
 Down line User Sale Report
 POS (Point Of Sale) Software
We have developed a number of software products that have high end functionality. The POS
Management Software refers to the area of a store where customers can pay for their purchases.
This software has been designed for all types of shop like Super shop, Electronics Showroom,
Mobile/Computer Shop, Departmental store, Pharmacy, Book shop etc.
Point Of Sale Software Features
 Records sales transactions quickly and easily
 Generates and prints professional looking receipts
 Supports receipt printers that use roll paper
 Works with touch screen terminals and barcode scanners eliminating the need for
mouse or keyboard input
 Manages item pricing and offered discounts
 Reports to analyze sales by salesperson or by item
 Integrates with PQS IT to maintain inventory data and quantities across all aspects of
your business
 Data backup/restore feature to keep data safe
 Installs and ready for printing in less than a minute
 Designed to be very easy to use for day-to-day operation

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Bkash Distributor Payment Collection
Dhaka Bank now collects bKash’s distributor wallet payment on real time. In collaboration
with Mohakhali Branch and IT Division DBL has integrated their system with bKash so that
the respective distributor’s wallet can be topped-up for further e-Cash sale to bKash’s
retailers and customers.
 Ciena Adds Apps for Optical Network Flexibility
Ciena is starting to offer applications to go along with its latest optical-networking pieces,
bringing it all under the umbrella name of Liquid Spectrum.
Announced today in advance of OFC, Liquid Spectrum is all about letting operators alter the
optical network quickly -- turning capacity up or down, or deploying new wavelengths quickly.
"The way operators in general have been building networks is very static," involving
overbuilding to accommodate worst-case scenarios, says Helen Xenos, Ciena Corp. (NYSE:
CIEN)'s director of portfolio solutions marketing.
The applications run on top of Ciena's Blue Planet Manage, Control and Plan (MCP) platform,
which handles network management and orchestration.
The fanciest of the four new applications is the Wave-Line Synchronizer, which automates
wavelength provisioning across multiple vendors' gear. This only holds gear that can be
managed with MCP, of course. Similarly, the Liquid Restoration application can automatically
dial capacity up to preserve service availability.
The other Liquid Spectrum applications are rather straightforward. Performance Meter
monitors the network's status, mainly with an eye toward network planning, and Bandwidth
Optimizer suggests deployment plans for optical channels, including what path they should
take.
While MCP can manage certain types of non-Ciena gear, the Liquid Spectrum concept was
created with Ciena gear in mind. Specifically, it's meant to take advantage of the WaveLogic

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Ai chip, announced last year, which allows for bandwidth to be adjusted between 100 Gbit/s
and 400 Gbit/s in 50 Gbit/s increments.
Ciena isn't alone in trying to liquefy the optical network, of course. There's a race on to infuse
transport networks with real-time flexibility and the principles of software-defined networking
(SDN). Infinera, for instance, offers the Xceed Software Suite, which includes an SDN
controller built from OpenDaylight code -- giving Infinera a chance to take shots at rivals'
openness.
Other contenders include the Network Services Platform (NSP) from Nokia Corp. (NYSE:
NOK) and Transcend from Coriant .
 Bkash now using vehicle management system developed by
Arena Phone
Arena Phone BD Ltd, 05th May 2015, Dhaka – Arena has successful implement its vehicle
management software for bKash, Bangladesh. This software helps bKash to manage its office
vehicle, including vehicle tracking, vehicle booking through SMS and web, driver
management, log book management, repair and inventory management etc. By integration with
live tracking system, bKash can now get instant update about the location of their vehicle
together with driver information. Employee from bKash can booking any vehicle for different
type of trip through SMS, Web or email.
This online system take less time to mage both own and rented vehicle. bKash can measure the
performance of the vehicle easily through this software. Moreover, through performance
measurement they can track maintenance record of the vehicle including condition of vehicle,
oil/gas status, condition of parts etc. just by checking individual dash board of each vehicle.
Moreover if someone wants to give requisition, they can do it through the software. After the
requisition the car will go to the place on time. Even where the car went, how much oil it needs,
is it going fine or not everything can be tracked through the software. Moreover this software
has an auto notification system through SMS and email. This system notifies the management
and even the driver about the possible happenings. Suppose, the car battery is going to fall, the

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notification will come before few days it falls apart. All these notification things are customized
technically in the software.
Arena leaves its foot mark on the field on web development and maintenance not only
nationally but also internationally acclaimed. From year 2007, it is a proved marketing leader
in this field. The technological support of Arena includes web development, web application
development, software development, content development, mobile application development,
IVR facilities, and SMS facilities and so on. Moreover, the recent advancement in the field of
E-commerce and digital advertisement is also a success of arena. Arena is really pleased to
provide this vehicle management software to a renowned company like Bkash. Arena is
grateful to Bkash for providing them the opportunity of creating this vehicle management
software to make a good management of their transports.
Findings
The findings of the report are given below:
 Mobile banking is a new technology in Bangladesh which started from 31st March 2011.
Dutch Bangla Bank Limited pioneered in mobile banking services in Bangladesh. Most
people heard about it but not have a clear idea.
 bkash provide the best quality service among the all company, and they are the market
leader also.
 Although bkash and DBBL started their journey in a same year but bkash is now far way
then DBBL in terms of service, coverage, branding and other side.
 The total market share of bkash is 71% which is very much high for any industry.
 In one case DBBL have the advantage that is in controlling, because in every subdistrict
DBBL have their mobile banking office. On the other site bkash control by their agents
 bkash have strong customer service point, and 24/7 service in call center.
 DBBL have the higher growth rate then bkash but in terms of number of subscribers
bkash is far ahead.
 In terms of branding bkash is more visible then DBBL

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Recommendations
While working with the report, there were certain things that came in front of my eyes which
bkash, I think, should consider. The recommendations are:
 Mobile financing services mainly depend on the technology so bkash need to improve
their server as early as possible because some time the server down for one or two hour.
 bkash need to promote their service by doing one to one marketing because of the
complexity of the service.
 The payment service of bkash is not satisfactory so that if they want to capture the urban
people.
 bkash need to introduce mobile recharge service as early as possible because most of the
youth use DBBL mobile banking only because of this service.
 International remittance service of bkash is not clear to everyone so that they need to
promote that service with high priority.
 In resent time Islami Bank Bangladesh introduce mobile banking service called MCash.
So bkash need to have close observation on M-Cash, because they became the threat for
bkash.
Conclusion
To run a profitable mobile/online/internet banking as a version of Electronic Banking in
Bangladesh, Specific and Suitable Business Model is primary requirement. DBBL mobile
banking, bKash and Citi Bank N/A are the successful banks whose model carries an importance
in developing any new business model or to describe the model of business theory.
It is my immense pleasure to conclude the report as a part of my internship program. The report
is a reflection of my work, sincerity, credibility as well as coordination between me & bkash
Limited. I tried my best to provide as much as information I could. As the industry is its early
stage, companies tend to keep their information confidential. I consider myself lucky to be able
to work in a company that provides such scope for learning. Certainly, this is very uncommon
in Bangladesh. The work environment is also one of the best among the companies in
Bangladesh.
The mobile financing industry is growing at excellent pace. While it took only two year for
bkash to reach 3 million, DBBL have 1 million within two year. Beside this all the other

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companies have huge potential to increase their market share, because the industry is in very
early stage. There is huge opportunity for the new interns in the industry.
At the wrapping up it can be said the bkash limited still working hard to grab the market
although they are the market leader with 71% market share. But the competition of this industry
developed rapidly. But yet bkash is in a comfortable place in this industry but mot in a secure
place. To retain the market leader position bkash is introduce new services. If they can continue
to cater to the needs of their customers like they are doing now, they have a bright future ahead
of them.

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Business Issues, Research and Solutions: Business Issues, Research and Solutions. IGI
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5. Oz, E. (2008). Management Information Systems. Cengage Learning,
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system-developed-by-arena-phone/
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