Kabita is 26 years old and a mother of an 8-year-old girl. She graduated from Dhaka University and lives in Louhajong with her in-laws. Her husband Karim works in Saudi Arabia and often sends a significant portion of his earnings to his family as inward remittance, which Kabita withdraws through a local bank branch. Kabita has no trouble receiving the remittance. Kabita uses a smartphone and is an active Facebook user. She came across bKash, a leading mobile financial service (MFS) provider of Bangladesh, six years ago while exploring easier ways to receive money from her family to pay the university fees. “I downloaded the bKash application on my smartphone earlier this year. It is easy to navigate and I no longer have to visit the local market for airtime recharge,” says Kabita.