Professional Documents
Culture Documents
Prepared for:
Atul Chandra Pandit Tanweer Mehdee
Assistant Professor Assistant Professor
BIBM BIBM
Content
Virtual banking - ADC has reduced Branch Banking and stress of queuing at
Branch, Ex : Internet Banking
Various Means of Alternative Banking
WHO/WHAT CUSTOMER SAMPLE
CHANNEL NAME INTERACTS WITH TO FUNCTIONALITY
TRANSACT OFFERED BY
No. of
July- Apr-
Customers (as Oct-Dec'15 Jan-Mar'16 July'16 Aug'16
Sept'15 Jun'16
on)
Internet
1508071 1525642 1385262 1436837 1446089 1465094
Banking
Dutch Bangla Bank- Market leader for establishing the highest number of ATM (4279) as well as POS
machines
Limited ATM booths of State owned banks as well as Foreign commercial banks
Most of the PCBs and FCBs have 24/7 call center arrangements
EFTN facility is being provided by all PCBs other than Islami Shariah based banks, FCBs as well as few
SCBs
All PCBs and FCBs except SCBs provide credit cards to their customers
Dutch Bangla Bank and few other banks have mobile banking facility
Dutch Bangla Bank, Bank Asia, Mutual Trust Bank, BRAC Bank and Agrani Bank have Agent facility for
their customers located in remote areas
Current Scenario of Alternative Delivery Channels in
Bangladesh
Credit Card Transactions of PCBs & FCBs: Debit Card Transactions of All Types of Banks :
2015-2016 120000 2015-2016
100000
80000
60000
40000
20000
1. Transactions Through
‘Flagship’ Branches
Mobile (Mobile APP,SMS
etc)
2. Financial Advises
through Video Chat with
Experts
Expanded ATMs
3. Widespread usage of
digital cash.
Risks Involved in ADC