Dr. Salehuddin Ahmed, a former central bank governor and current economic adviser, criticized banks for failing to provide prompt customer service. He cited a recent case where a senior civil servant was kept waiting for an hour because the bank lacked sufficient cash—only to be paid after the branch borrowed money from the central bank. “This is unacceptable. Banks must ensure customers receive timely service,” he said. He stressed the growing importance of card-based transactions and warned that Bangladesh must overcome significant challenges to graduate from LDC status by 2026. Sharing his experience in Europe, he said, “Nobody accepts dollars there—only euros and cards. For businesspeople, credit cards are essential.”