Agent Banking
Financial Inclusion – Bridging the Digital Divide in Rural Bangladesh
At Zaytoon Business Solutions Ltd., we are committed to fostering financial inclusion by bringing essential digital and financial services to rural communities through our Village Digital Booths (VDBs). Millions in rural Bangladesh remain unbanked or underserved due to limited access to formal financial services. Our VDBs act as last-mile touchpoints, empowering villagers with convenient, secure, and affordable access to:
Key Services Offered:
Digital Payments – Bangla QR, card payments, mobile wallets (bKash, Nagad, Upay, etc.)
Banking Services – Account opening, cash deposits/withdrawals, interbank transfers, and agro/MSME credit access
Mobile Financial Services (MFS) – Cash-in/cash-out, remittances, P2P/P2B transfers
Government & Utility Payments – Electricity, water, gas bills, passport fees, and social safety net disbursements
Microfinance & Insurance – Digital loan processing, transparent insurance policy purchases
E-Commerce & Telemedicine – Online shopping support, digital healthcare consultations
Education & Remittance Services – School fee payments, hassle-free remittance collection
Why VDBs?
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Assisted Financial Services: Trained local agents guide users with low financial literacy.
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Cashless Ecosystem: Promotes Bangladesh Bank’s vision of a digital economy.
Women & Youth Empowerment: Supports female entrepreneurs and rural micro-merchants.
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Partnership-Driven: Collaborating with banks, insurers, MFS providers, and e-service platforms.
Our Impact
160,000+ customers served across 15 districts
Reduced travel & costs for rural residents accessing financial services
Boosted economic participation for farmers, MSMEs, and underserved groups
Join us in building a financially inclusive Bangladesh—one village at a time.
Driving Economic Growth Through Innovation
At Zaytoon, we believe that true financial inclusion goes beyond access—it’s about creating opportunities. By integrating cutting-edge digital solutions with localized support, our Village Digital Booths (VDBs) are transforming rural economies. Farmers can now secure instant agro-loans, small businesses can digitize transactions, and families can safely receive remittances—all within their own communities. Our model not only enhances convenience but also strengthens financial resilience, enabling rural households to save, invest, and protect their futures through insurance and credit facilities. With a growing network of tech-enabled agents and strategic partnerships, we are breaking barriers and ensuring that no one is left behind in Bangladesh’s journey toward a cashless, digitally empowered society.
Agent banking is the latest innovation in banking services available in Bangladesh aiming to provide formal banking services to the unbanked. The aim is to provide a secure alternative delivery channel of banking services to the underprivileged and under-served population who live in remote locations.
Mr. Arfan Ali, the founding Chairman of “Zaytoon Business Solutions” is the pioneer of Agent Banking in Bangladesh. He has promoted “Financial Inclusion” of the un-served and unreached people of the country, and worked tirelessly to include them in the financial ecosystem.
However, despite Bangladesh Bank directives, banks have not been able to successfully deliver banking services to the rural and secluded population through agent banking outlets. Zaytoon Business Solutions in association with a2i project of the Government has taken the initiative to deliver all financial and other e-services, including agent banking services so that village people do not need to go elsewhere for the services.