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.
Sylhet is one of the most beautiful places in Bangladesh. It's a place of natural beauty. Sylhet is widely known for having tea gardens and hills. It is also a holy place as it is known as the place of 360 awlias(saints). Last year I got the opportunity to go to Sylhet. I visited Sylhet with my family. We went there by train. I sat beside the window and enjoy the scenes through the window. I was overwhelmed by the natural scenes. After seven hours long journey, we reached Sylhet. We visited all the places of tourist attractions like- Jaflong which is near the Indian border, Ratargul swamp forest, Lauachara forest, and Tangua Haor. We spent five days in Sylhet. I enjoyed each and every moments of my Sylhet tour.
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