One of the biggest fintech opportunities in the world right now may be in Bangladesh.
Bank deposits have hit a five year high in Bangladesh—which ironically means banks are less incentivized to lend to SMEs and the middle class. And considering there's not much credit scoring infrastructure, there's no way to do it easily anyway.
The result? SME contribution to GDP sits at 25-30%—compared to 45-60% in Indonesia, Vietnam, and Pakistan. This means millions of people and businesses can't borrow, can't scale, and can't build wealth.
This is exactly where well-funded fintech startups can fill the gap: Alternative credit scoring—mobile money flows, utility payments, transaction history—can do what traditional banks haven't been able to.
And the market makes it even more compelling: 180 million people, a nearly $500 billion economy, and a middle class with rising incomes and almost no access to formal credit.
For those in the diaspora and beyond, this is a rare moment where market timing, market size, and genuine human impact align. This wouldn't just be about making money but fundamentally changing the lives of millions.