Al-Arafah Islami Bank has positioned itself as a key player in Bangladesh’s journey toward a cashless economy, aligning with the government’s ‘Digital Bangladesh’ vision. The bank has introduced advanced internet banking, dual-currency debit and Islamic credit cards, Islamic wallets, Bangla QR payments, and digital donation boxes to promote secure and accessible digital transactions. It has also launched an Education Management System for automated tuition fee collection and expanded agent banking to rural areas to enhance financial inclusion. Managing Director Md. Rafat Ullah Khan highlighted Bangladesh’s upcoming digital reforms, including private credit bureaus, digital-only banks, e-money licenses, and an interoperable A2A platform similar to India’s UPI. Despite challenges like cybersecurity risks, user awareness, and network limitations, the bank is upgrading its core systems, adopting cloud technology, and strengthening cybersecurity. With Bangladesh Bank’s new policies and infrastructure initiatives, Al-Arafah aims to deliver faster, safer, and nearly cost-free digital transactions nationwide by 2026.
যুগান্তর : দেশে ক্যাশলেস লেনদেন বাস্তবায়নে কী কী উদ্যোগ নিচ্ছেন? মো. রাফাত উল্লা খান : বাংলাদেশ সরকারের ‘ডিজিটাল বাংলাদেশ’ লক্ষ্য বাস্তবায়নের অন্যতম প্রধান ভিত্তি হচ্ছে ক্যাশলেস লেনদেন। বর্তমানে দেশে বছরে প্রায় ২০ হাজার কোটি টাকা ব্যয় হয় শুধু নগদ অর্
The ‘1 Nojor’ media platform is now live in beta, inviting users to explore and provide feedback as we continue to refine the experience.
