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Special circumstances during the pandemic also played a role in the expansion of mobile banking. Mobile banking services are being used to pay wages and allowances to workers in various export-oriented sectors, including the government own ready-made garment industry. Workers who used to get salaries or allowance through cash or conventional banking are now receiving it through mobile banking. Apart from this, funds of various assistance programmes of the government are also being distributed through such services. As a result, the customers can collect their dues at home.

To open a bank account, a customer has to go to the bank whereas mobile banking accounts can be opened at home. Opening this account has been made much easier than before. Men usually paid the utility bills when it had to be paid through banks. Now women are paying their bills through mobile banking at home.

The role of entrepreneurs in increasing women's participation in mobile banking is also positive. Kamal Qadir, CEO of bKash, said, "We have given priority to women's account opening from the very beginning. That is why the number of female customers are more in bKash.”

A woman's account in mobile banking should not be seen as just an account. Through this a kind of economic self-reliance is also established. In many countries, loans are given to customers through mobile banking. Mobile service providers in Bangladesh can launch small loans for women entrepreneurs. Mobile banking authorities can also provide a separate set of benefits for female customers. If women's participation in economic activities increases, they will be empowered in real sense.

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