Research Proposal Banker in Bangladesh Dhaka – Free Word Template Download with AI

The banking sector serves as the economic backbone of Bangladesh, with Dhaka emerging as its undisputed financial nerve center. Over 75% of the nation's commercial banks maintain their headquarters or primary operational branches in Dhaka, handling approximately 60% of national financial transactions (Bangladesh Bank, 2023). The term "Banker" – though often used generically – encompasses a diverse array of frontline professionals including relationship managers, loan officers, digital banking advisors, and branch operations heads. This research proposal seeks to investigate the evolving responsibilities, skill gaps, technological adaptations, and socio-economic challenges faced by these critical Bankers within the unique context of Bangladesh Dhaka. As Bangladesh accelerates its digital financial inclusion agenda (targeting 85% coverage by 2030), understanding the contemporary Banker's role is not merely academic; it is imperative for sustaining Dhaka's position as a regional financial hub and ensuring inclusive economic growth.

Dhaka’s banking landscape presents a paradox. While the city boasts cutting-edge fintech startups like bKash, Nagad, and Rocket operating alongside traditional institutions (e.g., BRAC Bank, City Bank), frontline Banker roles often lag in adaptation. A 2023 study by the Institute of Banking and Financial Studies (IBFS) revealed that 68% of Dhaka-based bank employees feel underprepared for digital customer service demands, citing insufficient training in AI-driven tools, cybersecurity protocols, and data analytics – skills critical for modern banking. Simultaneously, Dhaka’s dense urban population (over 22 million in the metropolitan area) generates unprecedented volume and complexity in client interactions. The traditional model of the Banker as primarily a transaction processor is rapidly becoming obsolete. This research addresses a critical gap: *How can the role of the Banker be strategically redefined within Bangladesh Dhaka to enhance service efficiency, customer trust, and financial inclusion while navigating regulatory complexities and digital disruption?* Ignoring this evolution risks widening the service gap for millions of Dhaka residents, particularly in underserved communities like Mirpur or Khilgaon.

1. To comprehensively map the current responsibilities, skill sets, and daily challenges faced by Banking Professionals (Bankers) across diverse bank types (PSBs, private commercial banks, microfinance institutions) operating in Dhaka.
2. To assess the impact of digital transformation initiatives (mobile banking apps, AI chatbots, blockchain-based KYC) on the perceived value and workload of Bankers in Dhaka.
3. To identify key skill gaps (technical, soft skills, regulatory knowledge) among Dhaka’s Banking Professionals and propose context-specific training frameworks aligned with Bangladesh Bank’s regulatory roadmap.
4. To evaluate how the evolving role of the Banker influences customer satisfaction and financial inclusion metrics in urban Dhaka communities.

This mixed-methods research will be conducted exclusively within Dhaka, ensuring deep contextual relevance. The methodology includes:

• Quantitative Phase: Survey of 350 randomly selected Bankers across 15 major banks (including state-owned entities like Sonali Bank and private players like DBBL) in Dhaka city. Surveys will measure skill proficiency, technology adoption levels, job satisfaction, and perceived challenges using Likert-scale questions validated for the Bangladesh context.
• Qualitative Phase: In-depth interviews (n=40) with Bankers at varying seniority levels (junior advisors to branch managers), plus 15 focus group discussions (FGDs) with customers from diverse Dhaka neighborhoods. This will capture nuanced insights into operational realities and customer expectations.
• Stakeholder Analysis: Structured dialogues with key regulators (Bangladesh Bank's Financial Inclusion Department), industry bodies (Bangladesh Bankers’ Association), and fintech innovators based in Dhaka to align findings with national policy goals.

Data collection will occur over 6 months, utilizing local researchers fluent in Bengali and English to navigate cultural nuances. Ethical approval will be sought from the University of Dhaka’s Ethics Committee, prioritizing participant confidentiality.

This research directly addresses national priorities outlined in Bangladesh’s Financial Inclusion Strategy 2023-30, specifically Target 4.1: "Enhancing the capacity of banking professionals for digital service delivery." Findings will deliver actionable intelligence:

• For Banks: Evidence-based training curricula to upskill Bankers, reducing attrition and improving Dhaka branch performance metrics (e.g., customer acquisition cost reduction).
• For Policy Makers (Bangladesh Bank): Data-driven recommendations for updating mandatory professional development requirements, ensuring regulations reflect the realities of Dhaka's dynamic banking environment.
• For Society: A clearer pathway to enhance financial literacy services delivered by Bankers in Dhaka’s informal settlements, directly supporting poverty alleviation efforts.

The ultimate contribution lies in positioning the Banker not as a legacy role, but as the crucial human element enabling Bangladesh Dhaka's digital banking revolution. Success here could serve as a replicable model for other South Asian urban centers facing similar transitions.

The future of finance in Bangladesh Dhaka hinges on the adaptability and empowerment of its Banking Professionals. As the city's economy diversifies into fintech, green finance, and SME financing, the traditional Banker must evolve into a trusted financial advisor equipped with both interpersonal acumen and technological fluency. This Research Proposal is not merely about studying a job role; it is an investment in Dhaka’s economic resilience and Bangladesh’s broader development goals. By prioritizing the needs of Bankers within the unique socio-economic fabric of Dhaka, this research will generate insights that foster a more inclusive, efficient, and competitive banking sector – directly contributing to Bangladesh's aspiration of becoming a $500 billion economy by 2041. The findings will be disseminated through policy briefs for Bangladesh Bank, academic journals (e.g., Journal of Banking & Development), and workshops for Dhaka-based banks, ensuring immediate practical application.

• Bangladesh Bank. (2023). *Annual Report on the Banking Sector*. Dhaka: Bangladesh Bank.
• Institute of Banking & Financial Studies (IBFS). (2023). *Digital Skills Assessment Survey: Urban Banking Professionals in Dhaka*. IBFS Publications.
• World Bank. (2023). *Bangladesh Financial Inclusion Report 2023: Pathways to Universal Access*. Washington, DC.
• Central Bank of Bangladesh. (2021). *National Strategy for Financial Inclusion 2023-30*.

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