| dc.description.abstract | This internship report is the result of my practical experience at J&J Enterprise. A Bkash Distribution house responsible for overseeing mobile financial services (MFS) in the Akhaura Upazila region. During my internship, I explored and analyzed various aspects of mobile financial services in Bangladesh, including the operational structure, challenges, and performance of the distribution house.
Bangladesh’s MFS sector has experienced rapid growth, with over 227 million registered accounts and 13 to 15 licensed providers expected by mid-2024. Among them, Bkash, Nagad, and Rocket control more than 70% of the market, offering services like peer-to-peer (P2P) money transfers, cash-in/out, utility payments, remittance, savings, and digital loans. The industry is evolving quickly, moving from basic money transfers to comprehensive digital financial ecosystems.
The organization supports both financial and non-financial tasks across a geographically sensitive border area, making operational accuracy and compliance essential. Throughout the internship, I discovered several operational challenges. This includes DSO misconduct (such as misuse of float money), cash shortages, high pressure to meet monthly targets, and ethical issues among staff. Each of these issues negatively impacts agent trust, transaction flow, and overall service quality. In response, I proposed practical solutions like enforcing strict deposit schedules, submitting daily transactions reports, diversifying banking partners, and dividing monthly targets into smaller, manageable daily goals.
This internship improved my understanding of real-world financial operations, compliance systems, digital service delivery, and the critical role of human and technological coordination in financial inclusion. It also helped me develop research, reporting, and analytical skills, bridging the gap between academic theory and practical application. I am confident that the insights and experiences gained here will support my future career in finance, banking, or operational management | en_US |
