Mobile banking is one of the major parts of the new generation of mobile financial services. Bangladesh bank has classified mobile banking as a mean of accessing conventional bank account through mobile phones which can be done via SMS, call or mobile apps. Mobile banking comes with a range of services. Almost all of the benefit of conventional bankings can be found in mobile banking. The services can be classified in categories like- Cash Deposit, Cash Withdrawl, Transfer, Payment to listed merchants or service providers, Other facilities like- e-ticket, balance recharge, a ticket for movie or theater, etc. The main benefit of mobile banking is accessibility. For example, it is quite difficult for an older person or an illiterate rural people to perform conventional banking. But with the help of mobile banking, they can now perform banking in a convenient way. Banks have also become benefited by mobile banking. Setting up a new branch requires a huge amount of capital and trained people. But now with the help of mobile banking/agent banking people can communicate with them and do banking without visiting them. Mobile banking is accessible to all. Even people with little education can use them. Another major benefit is 24/7 banking facilities has been available. You can even transfer money at midnight from your own house. Mobile banking also has boosts e-commerce by providing easy ways of transactions. Reduction of cash transactions has reduced the chance of mobbing, money laundering, and other money-related crimes. However, there is no good without bad. Mobile banking also has some constraints like- large business transactions can not be done because there is a limit. The user also has to pay a charge which demotivated the users to use mobile banking. Criminals can also transfer a lot of money by disguising their identity. Often bankers and employees are not trained enough to help the people and answer their query regarding mobile banking. Apps become slower when a huge number of people use at the same time.
The name of our country is the People's Republic of Bangladesh. It is one of the most beautiful countries in the world. Our country was a part of Pakistan before 1971. Then we freed our country and achieved victory after nine month's liberation war. 3 million people sacrificed their lives in the liberation war in 1971. Our independence day is 26th March and Victory day is 16th December. The national language of our country is Bangla. It is also a matter of great pride for us that we are the only nation that sacrificed their lives for the sake of their mother tongue on 21st February of 1952. In order to show respect to them, UNESCO has declared 21st February as International Mother Language Day. The name of the capital of Bangladesh is Dhaka. It is the busiest and populated city in our country. The total population is 16 crore. The total area of our country is 1,47,570 square km. Our country is a river-oriented country. The main rivers of our country are Padma, Jamuna, Meghna...
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