It is encouraging to learn that, according to the National Financial Inclusion Survey 2025, 64.5% of the country's adult population now has access to formal financial services -- a clear sign of Bangladesh making progress in financial inclusion.
This is undoubtedly a positive step towards building a more financially secure and inclusive economy. The expansion of mobile financial services, agent banking, and digital payment facilities has played an important role in bringing more people into the formal financial system.
These services have made financial transactions more accessible, particularly for people in rural areas who may not have easy access to traditional banking facilities, and their continued growth demonstrates how technology, when used effectively, can help bridge longstanding gaps in financial access.
However, the fact that 35.5% of adults remain outside the formal financial system should not be overlooked.
Financial inclusion must extend beyond simply opening accounts. Women, low-income households, informal workers, and people with limited education continue to face barriers that prevent them from accessing and benefiting from financial services. The gender gap is particularly concerning, with women's financial inclusion rate trailing that of men.
Addressing these disparities requires sustained efforts from Bangladesh Bank, financial institutions, and policy-makers.
Banks and other service providers must make their products more affordable, accessible, and convenient -- particularly for those with limited financial resources. Financial literacy programs also need to be strengthened so that people understand how to use these services safely and effectively.
Account holders must also be enabled to actively use their accounts rather than allowing them to remain dormant. Better consumer protection, transparent charges, and reliable digital infrastructure will be essential in building public confidence.
The progress made so far deserves recognition, but it should serve as motivation to do more. Financial inclusion is fundamental to economic participation and opportunity, and we must continue working towards a system where no one is compelled to be left behind.