Dhaka, March 7 -- Bangladesh's nano loan and earned wage access (EWA) market is expanding rapidly as digital payroll systems, rising living costs and growing fintech adoption increase demand for short-term liquidity among low-income workers.

Small-ticket advances -- often ranging between Tk 500 and Tk 10,000 -- are increasingly being used by workers to bridge cash-flow gaps between pay cycles.

Commercial banks have already entered the segment with regulated and transparent pricing structures.

BRAC Bank offers its Shafollo-RMG facility at 16 per cent per annum, translating to roughly Tk 1,600 in yearly interest on a Tk 10,000 loan.

Dhaka Bank provides nano loans at 9.0 per cent per annum plus a 0.5 per cent processing fee, bringing the...