The initiative, authorized on August 9, 2026, focuses on rural and underserved regions where the gap between mobile connectivity and personal device ownership remains wide. By offering transparent installment plans for smartphones, the company seeks to integrate more citizens into the digital economy, enabling access to online payments, education, and formal financial services. The pilot operates under strict central bank monitoring, requiring the firm to maintain rigorous standards for customer affordability and portfolio reporting.
SahajMobile Launches Smartphone Credit Pilot in Bangladesh
With 113.5 million mobile-internet subscriptions but less than 40% of adults owning smartphones, Bangladesh faces a clear digital divide. SahajMobile BD Limited has secured a formal no-objection from Bangladesh Bank to launch a six-month supervised pilot program, aiming to provide low-income users with smartphone financing and essential credit access.
Rafsun Faiz, CEO of parent firm HR Consortium USA, Inc., emphasized that the smartphone serves as the primary gateway for users to engage with modern financial tools. The Delaware-based holding company plans to utilize this period to refine its underwriting and repayment tracking models. While the no-objection provides a concrete path for growth, it remains a temporary authorization subject to ongoing regulatory oversight and performance evaluation by Bangladesh Bank officials.
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