Financial inclusion expansion Leverage bKash’s strong focus on serving unbanked and low-income populations in Bangladesh to target underbanked merchant segments, micro-merchants, and small local businesses with integrated payments, lending, and savings solutions.

Strategic partnerships Capitalize on bKash’s history of high-profile investors and ecosystem collaborations (BRAC Bank, IFC, Gates Foundation, Ant Financial) by proposing co-branded fintech solutions, merchant services, and cross-promo campaigns with aligned financial institutions and tech partners.

Omnichannel growth Explore opportunities with bKash’s expanding ecosystem and recent digital marketing recognition to introduce multi-channel customer engagement, AI-powered support, and WhatsApp or social commerce integrations to boost user acquisition and activity.

New services adoption Target adoption of upcoming features such as financial disaster risk (FDR) on the app and innovative products for merchants (e.g., merchant rewards with Apex collaboration) to drive increased wallet usage, merchant settlement volumes, and repeat transactions.

Enterprise collaboration Position to monetize by offering bKash-enabled B2B payment rails, payroll disbursement, and SME financing to mid-market and enterprise clients looking for cost-effective, fast mobile payment solutions in Bangladesh and nearby markets.