Bangladesh, Aug. 21 -- Over the past decade, financial systems across the world have undergone a quiet revolution, replacing paper currency with digital rails. In Bangladesh, building a cashless economy remains a flagship goal for policy architects at Bangladesh Bank. The mandatory rollout of Bangla QR across eligible merchants undeniably solves one half of the equation-retail payments.

Advertisement However, the other half-how ordinary citizens pay one another with minimal friction, whether for informal services, daily household chores, or personal obligations-remains largely unresolved. Technically, generating a personal QR code for each bank or MFS account under the Bangla QR framework is entirely feasible. The real hurdle is regulat...