Management Information Systems (MIS) MIS-405[Business Research]
Faculty of Business Studies,
University of Dhaka.
AI-Assisted bKash: Simplifying Mobile Banking for Rural areas
of Bangladesh
Team Members: Zane Alam Zebin [ID: 131-16-073], Sumaya Akter Luba [ID: 131-16-021], Sadman
Sakib Khandaker[ID: 131-16-063], Mahbuba Rahman Dolon[ID: 131-16-109],
Asma Ul Husna[ID: 131-16-119]
Instructor: Professor Dr. Md. Rakibul Hoque
Problem Statement: System Design: After completing a transaction, a confirmation
message is displayed, ensuring transparency.
According to the bkash’s official website, bkash
In our design, users click “AI Assistance” button This design ensures ease of use, even for users
has 7 corer customers. People living in Bangladesh
in the bKash app. The request is processed with limited digital literacy, making mobile
use bkash to transfer money from one place to
through a cloud-based NLP engine for real-time banking more accessible in rural areas.
another. bkash is a mobile baking platform
query handling, ensuring accurate responses. A Evaluation:
launched in Bangladesh in 2011. People living in
rural areas in Bangladesh still can’t use bkash app local cache stores predefined instructions for
Engineering Specification:
appropriately for mobile banking. This project aims faster access, with periodic updates from the
to develop the same app or system with an AI cloud. A central server supports backend • Task Memory Load: Measures how many
assistant that can guide bkash users to use the app operations, ensuring seamless integration with steps users need to memorize to complete
appropriately, especially people living in rural bKash’s infrastructure. This hybrid model tasks.
Bangladesh. enhances efficiency, security, and accessibility, • Effective Information Feedback: Refers to
optimizing user experience across various the response time of the AI assistant to user
network conditions. queries.
• Time Delay in Transfer: Indicates the time
taken for data to be processed and
transferred between the app and servers.
• Security Level: Ensures user data is
Figure 1 Village people using bkash for mobile banking
through agent. protected and complies with privacy
Figure 3 System Design for AI Assisted bkash App. regulations.
Concept Generation:
• Consistency: Measures the accuracy and
The newly introduced AI assistant of bkash is going Interface Design: reliability of data and functionality across
to assist the users clearly by making a clear path for the system.
We use Material Design principles to create a clean,
the mobile banking. When a user in rural area of
intuitive interface for the bKash app. The prominently
Bangladesh opens the app, the AI assistant shall
placed “AI Assistance” button, designed as a Bard- Conclusion:
give text or spoken instructions in the user regional
like icon, provides instant access to the AI assistant,
language when the user clicks ‘AI Assistance’. The
In order to simplify mobile banking for rural
offering text and voice-based instructions in regional
assistant shall first diagnose the user’s text for the
areas in Bangladesh, we integrated an AI
languages. Users receive step-by-step guidance for
presence of errors and if any, the assistant will
assistant into the bKash app to provide step-by-
tasks like sending money or checking balances, with
recommend corrections. For the intricate tasks, it
step guidance, error detection, and multilingual
real-time error detection and correction.
will provide the user a flow of instructions that will
support. Our system design ensures security,
see the transaction through to completion. If offline
compliance with data protection regulations, and
mode is being set, then the assistant will convey the
accessibility, even in low-connectivity areas.
previously stored instructions specific to different
The final prototype is a complete AI-assisted
situations. After the transaction is successful then a
mobile banking solution that meets most of our
confirmation message will be sent to the user for
engineering specifications, making bKash more
confirmation.
user-friendly and inclusive for rural users.
Acknowledgement:
Instructor: Professor Dr. Md. Rakibul Hoque
from Department of Management Information
Systems, University of Dhaka.
Reference:
About. (2023). Bkash.com.
Figure 2 Concept of AI Assisted bkash Figure 4 Interface of AI Assisted bkash app. https://www.bkash.com/en/about
