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mSTAR/Bangladesh Final Evaluation

mSTAR's activity in Bangladesh ran from September 2013 until September 2017. Its primary objective was to assist USAID/Bangladesh to integrate digital payments in the programs and operations of implementing partners, as well as to support expansion of the digital payments industry in ways that are beneficial to USAID programs and USAID’s broader development objectives at an ecosystem level.

Digitizing Worker Salary Payments: A Manual for Ready-made Garment Factories

This manual provides a blueprint for ready-made garment factories in Bangladesh, and those organizations supporting them, who are interested in using mobile financial services (MFS) to make salary payments to their workers. It includes background information on MFS, the possible benefits and challenges, and useful tips and checklists for implementing MFS salary payments. 

The Transition Benefit: From Cash to Mobile Financial Services in the Aponjon Initiative, Bangladesh

This assessment was conducted to systematically understand the benefit of transitioning from cash to mobile financial services (MFS), under an mHealth initiative for expectant and new mothers (branded as Aponjon), which is run by Dnet in Bangladesh. The transition was made with an expectation of efficiency gains in Aponjon’s incentive payment system to Aponjon agents at the community level, which are provided to them for customer acquisitions that they make.

Insights on Payment Practices in Bangladesh: Cash and Mobile Finance Habits

This study, conducted by Dnet under a grant provided through USAID’s Mobile Solutions and Technical Assistance (mSTAR) project, captures how customer acquisition agents for Dnet’s Aponjon Program are using mobile phones. Aponjon is an mHealth initiative focused on maternal and child healthcare. Aponjon deploys agents across the country to increase subscriptions to the mobile phone service; agents receive an incentive payment based on the number of customer acquisitions they make.

Training Manual for Using Mobile Money in Bangladesh

This training manual provides a detailed guide on how to use the mobile money products of Bangladesh’s two market leaders, bKash and DBBL. It provides a side by side comparison of the steps that users need to take in order to make transactions and perform other actions. This manual is written in Bangla.