bkash is a mobile banking service established in 2011 as a joint venture with BRAC Bank in Bangladesh. The document identifies several problems with bkash's services and provides recommendations for improvements. It suggests that bkash improve its server stability, decrease fees and commissions to attract more customers, make the help line free and available 24/7, introduce a money recovery system, and improve agent privacy, funding, and training to better serve customers. It also recommends bkash prioritize promoting its international money transfer services.