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Customer Snapshot: Overview

87% of Bangladesh's population is unbanked - 55% use mobile devices

Bangladesh has a population of 160 million, but only 13% of the country´s citizens have a bank account. The country is witnessing increased cash flow to rural areas, as people moving to cities or abroad for jobs are sending money back to their families. Identifying a need to support the economic development of the country, Dutch-Bangla Bank Limited (DBBL) set out to enable customers in rural Bangladesh to establish bank accounts on their mobile devices.

Dutch-Bangla Bank Limited (DBBL)

BDT18.2 million (~US$233 million)

Number of Employees
5,268 (in 2012)


Dhaka, Bangladesh

Customer Website

Line of Business
Platform and Technology, Marketing, Sales

SAP Solutions
SAP Mobile Banking, SAP Mobile Platform

Customer Snapshot: History

Awarded for IT that Benefits Society

Customer Snapshot: Business Model

Using Technology to Deliver Banking to Bangladesh

Dutch-Bangla Bank Limited is one of Bangladesh’s largest banks, and known as one of the most innovative and technologically advanced financial institutions in the country. DBBL was the first bank in Bangladesh to be fully automated, and the first to introduce credit and debit cards to the Bangladeshi population on a large scale. DBBL also operates the nation's largest network of ATMs, aiming to drastically cut costs and fees for banking customers.

Customer Snapshot: Success Strategy

Society’s Welfare Built in to the Mission

DBBL is also among the largest donors to social causes in Bangladesh, but is not content to help the country by simply donating money to those in need. DBBL considers automated banking a corporate social responsibility, and not just a profit accelerator. DBBL permits several local banks to leverage its sophisticated banking infrastructure.

The mission: Dutch-Bangla Bank engineers enterprise and creativity in business and industry with a commitment to social cause. “Profits alone” do not hold a central focus in the bank’s operation; because “man does not live by bread and butter alone.”

We strongly believe that these kinds of social and philanthropic activities would ultimately improve the quality of lives of the disadvantaged people of the country by receiving support for education, health care facilities, financial support, and assistance whenever there is a natural disaster. – Adebur Rashid Khan, CEO, Dutch-Bangla Bank Limited

The Challenge

Mobile Wallets Create Security

Only 13% of Bangladesh’s citizens were utilizing the services of banks. Citizens are always looking to safe keep their cash and protect it from theft or loss. The country is witnessing increased cash flow to rural areas as people moving to cities or abroad for jobs are sending money to family members back home.

Two big challenges were identified: how to get money to rural areas securely and how to keep that money safe once in the recipients’ hands. Many initiatives have attempted to address these issues, but all have failed in the absence of appropriate technology.

Enter SAP

Mobility Means More Popular Banking 

DBBL turned to SAP and its Mobile Banking solution. DBBL once again revolutionized Bangladesh’s banking, and helped create a new business model for economic growth. Rural parts of the country lack financial payment infrastructure, and DBBL could not reach all would-be customers through typical bank branches. Dutch-Bangla Bank Limited sought out technology to enable them to create a mobile banking service.

Better Business

Reaching the Un-banked Rural Population

Mobile agents based locally in rural communities can now help new customers do all their banking online. Agents are equipped with mobile devices, and the SAP Mobile Banking application is in place. Telecommunication retailers, couriers, and shopkeepers also become virtual agents of the bank by receiving deposits, paying with cash, and providing critical information services to users who can’t access a bank branch or the Internet.

DBBL is now reaching millions of urban and rural poor, who once had no access to a bank account. This population of the “traditionally unbanked” is finding new hope. This generation of rural Bangladeshis, now with access to banking services, is paving the way for growth and stability among the population.

Better Business: Benefits

Mobility Creates Thousands of Customers

Dutch-Bangla Bank has acquired hundreds of thousands of new customers since the launch of their mobile money service, and new customers are joining DBBL on a daily basis. Industrial workers, who never maintained a bank account, now have their salaries directly deposited. They can deposit and withdraw money quickly, easily, and securely.

Better Business: Run Simple

Imagining a Cashless Society

The SAP Mobile Platform has lifted DBBL ahead of competition in Bangladesh. Dutch-Bangla Bank Limited is able to reach the unbanked, is spreading its vision of a cashless society, and is Bangladesh's leading financial institution. The company was honored In 2012 by Computer World, as a leader in using technology to support economic development and benefit society.

Journey Ahead

Wider Outreach
DBBL plans to support mobile airtime top-up, merchant payment, ATM withdrawal, and micro financing in the next phase. In addition, the solution will be available on all mobile devices with subscriptions to any of the six mobile operators of Bangladesh. This focus on openness allows financial institutions like DBBL to reach the largest number of customers.
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