Dhaka Bank Go Plus: How mobile banking is driving Bangladesh toward a cashless future

Mobile banking apps have completely transformed the way people manage their finances in Bangladesh.

With our mobile banking app, Dhaka Bank Go Plus, customers can now access their accounts and cards 24/7 from anywhere, transfer money instantly, pay bills, make fixed deposits, and even apply for personal loans or credit cards—all without ever stepping into a branch.

Infograph: TBS

This shift has not only made banking faster, easier, and more secure but has also accelerated the country's journey toward a cashless society.

The impact extends beyond convenience. Mobile apps have helped bring financial services to rural areas, expanded cashless payments through QR codes and digital transfers, and improved customer experience with features like biometric login, instant alerts, and online service requests. Today, Bangladesh is stepping into a borderless and timeless digital banking era.

Even large corporations and CMSMEs (Cottage, Micro, Small, and Medium Enterprises) now enjoy real-time transaction tracking and faster collections. Ultimately, mobile banking apps provide a combination of convenience, security, and financial inclusion that is crucial to the growth of our nation's digital economy.

At Dhaka Bank, our mobile app, Dhaka Bank Go Plus, has significantly influenced customer behavior. It has encouraged them to shift from physical branch visits to digital banking.

Features like instant fund transfers (EFT/NPSB), utility bill payment, mobile recharge, tuition fee payments, QR-based payments, and comprehensive account management have made banking truly "on the go." Our users' trust in the app is evident in the digital deposit figures, which recently crossed Tk1,700+ crore.

Integration with mobile financial services such as bKash, Nagad, and Rocket, as well as educational institutions like Brac University, UIU, and IUBAT, alongside City Corporations for tax and trade license payments, has greatly widened the app's scope.

Recently, the introduction of Bangla QR has encouraged individuals and small businesses to embrace cashless transactions, creating a culture of online banking that aligns perfectly with the government's digital vision.

From a bank's perspective, mobile apps reduce costs for both the institution and the customer. Tasks that once required branch visits, staff intervention, paper forms, and cash handling now happen in seconds on a mobile device.

I strongly believe that mobile banking is the backbone of Bangladesh's cashless future. It enables easy digital payments, allowing users to pay bills, tuition fees, or transfer funds without cash. QR and contactless payments reduce dependency on physical currency, while 24/7 access ensures people can manage their finances beyond banking hours.

Mobile apps also increase financial inclusion, allowing remote populations to access services and transfer funds to mobile financial services where branches or ATMs are unavailable.

Beyond convenience, they reduce cash handling costs, secure transactions with OTPs, biometrics, and alerts, and integrate seamlessly into a broader digital ecosystem including utilities, e-commerce, government services, and merchant payments.

From a bank's perspective, mobile apps reduce costs for both the institution and the customer. Tasks that once required branch visits, staff intervention, paper forms, and cash handling now happen in seconds on a mobile device. Dhaka Bank Go Plus automates routine processes, minimizes human error, and speeds up service delivery.

Digital statements and notifications replace printed documents, saving on printing and distribution costs, while mobile transactions are generally cheaper to process than in-person or cash-based alternatives. This creates a win-win scenario: customers enjoy faster, more convenient services, while the bank achieves greater operational efficiency.

Of course, massive app usage comes with security challenges. High traffic can strain servers, delay authentication, or complicate fraud detection. Account compromise, session hijacking, and third-party integration vulnerabilities must all be carefully managed.

At Dhaka Bank, we see these challenges as opportunities. Our multi-layered security framework includes biometric authentication, IMEI/device binding, transaction monitoring, and comprehensive data encryption.

Technology alone isn't enough; we also invest in customer awareness, because effective security relies as much on users' behavior as on the tools protecting them.

To expand mobile banking adoption and transaction volumes, regulatory support is crucial. A clear framework for digital payments—including standardized procedures for fund transfers, QR payments, and real-time settlements—ensures seamless interoperability between banks and fintech providers.

Guidelines on data security, customer privacy, eKYC, and digital onboarding reduce friction and broaden access. Supportive policies on transaction limits, open banking APIs, and fraud prevention further encourage customers to use mobile banking as their primary channel for daily financial activities.

At the end of the day, mobile banking is more than just technology—it is a movement toward a cashless, efficient, and inclusive financial ecosystem. With Dhaka Bank Go Plus, we are proud to be at the forefront of this transformation, helping Bangladeshis embrace digital banking with confidence, convenience, and security.