CFSBR
Fintech & Strategic Business Research
Fintech & Strategic Business Research
Actionable research informing inclusive fintech adoption, monetary stability & market opportunity mapping.
Transforming raw data into strategic insights: delivering market intelligence, technical innovations, and policy frameworks that drive financial inclusion and sustainable growth across emerging markets.
Data-driven reports on trends, consumer behavior, and economic indicators. Our market intelligence combines primary research, statistical analysis, and on-ground surveys to reveal infrastructure gaps, adoption barriers, and emerging opportunities in fintech ecosystems. Essential reading for banks, fintech operators, and investors seeking actionable insights into Bangladesh's digital finance landscape.
Survey analysis of 50+ merchants revealing infrastructure gaps and trust barriers in digital payments—essential data for banks and fintech operators.
Comprehensive mapping of 15 rural zones analyzing the correlation between physical branch presence and mobile banking adoption rates.
Quantitative analysis of 500+ borrower interviews measuring trust levels, risk perception, and willingness to adopt app-based micro-loans.
Technical deep-dives proposing specific solutions to complex financial problems. These papers present innovative algorithms, frameworks, and technological architectures designed to address critical challenges in financial inclusion. From alternative credit scoring models to blockchain implementations, each white paper offers rigorous methodology and practical implementation pathways for fintech innovators and product teams.
Novel algorithm using mobile usage data and harvest cycles to assess creditworthiness without traditional collateral requirements.
Technical blueprint for implementing distributed ledger technology in mobile financial services while maintaining regulatory compliance.
Machine learning model trained on 10,000+ transaction patterns to identify fraudulent loan applications with 94% accuracy.
Real-world analysis of business strategy, success, and failure. Through detailed post-mortems and retrospective studies, we dissect the strategic decisions behind market entries, pivots, and competitive battles in Bangladesh's fintech sector. These narratives extract actionable lessons on customer acquisition, product strategy, and market positioning—invaluable for founders, strategists, and business leaders navigating competitive landscapes.
How aggressive pricing (cashout charges) and simplified KYC helped new entrants capture rural market share from established players.
Post-mortem analysis of a ride-sharing giant's fintech expansion failure—examining user trust, feature bloat, and network effects.
10-year retrospective on how agent banking transformed rural access—analyzing profitability, sustainability, and replication challenges.
Strategic recommendations for regulators and legal compliance frameworks. Our policy briefs analyze existing regulatory environments, identify gaps in consumer protection, and propose pragmatic amendments to balance innovation with security. Designed for policymakers, legal teams, and compliance officers, these documents bridge the gap between technological advancement and regulatory oversight in digital finance.
Three critical amendments to protect nano-loan borrowers from predatory rates while ensuring lender recovery security.
Policy recommendations for data governance in mobile financial services—aligning with global GDPR standards while enabling innovation.
Feasibility study examining technical, regulatory, and market readiness for implementing open banking standards in Bangladesh.
Our rigorous research accepted in prestigious international journals and conferences. Each publication undergoes peer review, ensuring methodological soundness and academic integrity. These contributions validate CFSBR's commitment to evidence-based research while establishing credibility within scholarly communities. From behavioral studies to macroeconomic analysis, our academic work demonstrates the depth and rigor behind our applied research initiatives.
Study of MFS adoption patterns proposing a "Digital-First" literacy framework for semi-urban merchants in Sylhet region.
Effectiveness of repo rate adjustments as a monetary policy tool in volatile economic conditions—Bangladesh case study.
Examining green finance mechanisms and climate risk management strategies for Bangladesh's financial sector.