Download as pdf or txt
Download as pdf or txt
You are on page 1of 4

1"

I Tfffilfi{ ,fd{q R-rF q(rfE


ol-ffi'(b ffiN
{{aqMfr {(Ekq.t{'ss'l{
q]€T Blq'{ c$
fia'lt

t vtbRvta I
ai
5q lFlf,{,58t\b +'flq'F
TRk"t qrcq"t {(- oufl{oTqoqo vtfr{e
os Ttf,, qoqo Qfl-q'l

Rq-{c ffi{ <iT(Rr< m<f< cm-m dlaB' "fcFr fr"tfrclr {a-<l's )TTd<r ts E[tqH
"fq& r

L{I {(I{fq{ +3 \3 r-'I{f, 1+ v.Ea, \o5\ (qss'f{ qt{ <Fxl Skfaq eR qqlr{ gftE Tn]
q(rqfq{<?-{ s {-"lTo Ts. ftf\{fql, \o5\L (q\os'fn RfATI-{f <&{f BfrFFo) q( frR 55b-T ,! Sq€
rFr-sl.rrE q]e{ r]qq C{Nt c{ffi <l1<fr( cr<l.< crtrc St'il ,rai-s. Ts qlfl{
'lc"l{ fr"ft(E {Ts \e
xsls fix1q qlrr{.f E-lR +Re, {alrs
Flrrlqlc e $<6qr- (:) ei qtrk-i c{ffi <fl(f}-(
sr cr<l-< cq{E dl"tl "rrl< R{fr-(s {rtr €
q-'Ifl<r Ts w4tx ols&, qoqo qlm qGQ\5 €c<r

(\) s? st-cq*i )q qfrflg, :sl,L RSfq <E ifq csMrffi r ffi, .tost RSlq qirc slTf,{
qn{kq <fi*'tql qtc<r

tt {(Ett_ R-lx <t ${(r'f{ {R€ mffi f}Rql qllfr-rq, .!Q qf(qi-fi ,cqKEq <rtlfr< cry<t
A{I_i-sl-fil' <f{N s>n Fr-ERs 6na 9ql;r-s]ft-cr 1{lim ffi
O ${1-3l Bangladesh Mobile Financial
Serrices (MFS) li.egulations,20lg ,!K ql\9\51{ <t(Elfi-"t <nST'qtF,,Mobile Financial Services
(MFS)" gqlrd-{ EC\il {all{af 6rfnrxoT Stg qfu1qa fr<<f <fsEkq-'t smfu{ etco euql(u1s ffifi
erk{-<"rffi,-i {alr{al Er{(I-Fi-{ $s qH-cqqr

\rl $rslqlvtt- rxt.olq <rr(ft( 6nq1 fi]-i-fift sfbtl{ emorr oiqrfi FrsB q?To qd qI]
SkT{, Ur6l-q"{ \s cflcqr{{ B"f<
"rkql"fRffi }116,T Er6 <. rfu{ qlqTr +-r{, TrqI c{ffiqE <jt(fr(
oi<l-{ {1?E q&s >r+o rqr<Ift q<flff<rq.x x{l ffi qixt qn-r+r eQ qkT{flffi <nsfts 6rr-<t
>R<arq< ctrg ziffiql qtc<r cql<]iE <rt(fr( fi-<n qRs q&s c<lTft qsfu-nrt.l frxtr"te

rl.$c{fql cq'G vrs'Rqt;


(T.) <l-l<s

l:D ciG-+q q'ffr<tr{;


('i) cff{Rq <fi(ft'( e(qd e eftRtf< e.tT{ "Filx "Ffs cr<t
vK<<tr< qlfr-cs
ffiffitrq<'rstut;
tql ffi't?r )RITst Aff{fi?I T&; {<(
(s) <,1+rk.lry?&m,lrurB <r qssfq{ +':fuqffi-A <rfu'l

s {ffi c c+rst {s csffi <l'T<frs crKi ffiffir-r rc€T f;-{f,{


I c{-fr{ fi-<qqt- -$?taK
OR{ Tfr(g qtc<r eQ .$€-rr fr-{f,c{ clffi {ltif}( cT<t 3164 ru{tft qrq-B, RrffifiBtr<'i"t e
fitar-< sil-*t&"r+ smfr <t q:rqr\Ax +:( >i"-ttl-to-ft <Tfu qsp <Gxt qtc<r qIE-fiEj\-fE
't"tr

f
{rq-B, emRBf< e rt$ql-< sfifi&fi €rqB <t rrqtqT q:f ,E?Tr;rfi-h <TBr srffi clffi1
fl(fu( cx+ anqr+fu qrierrt.T {irfrs qtftrs q?r<t
61 TTf, fr-t+t s a1fr6rpq1- (5) qRr;K {t<1 e €< wffi "vd iltone.v)" 'l-(.lt{
Eq-qa (ruo)
TIEIY@ il qsn'l{ EsI culd(l-{ <t }K<<]'R< fr{ftF eru 5lq <t FF <T ffi Cn.Klnq <rt<fr< cry<m

'i"l qtr€ rr
ut"r qt(<r qllr{-{ {-<l et q-fltft T-acqtqti.!? ffi<T cr<KtT{ Rri-ft-re glg
"tq R{k..<
silT(r{< fl"iR-qt"t qd R-mt't TRrl TTr fr-{"|"t TR-F q?r< r

(\) $cgrs FKfrs <rfu-ro ffi so sr B"t-ffi- (5) q{T|fiI wfif?rT Rql< T(<r'"1 Tfi-co
<ir<r Arorc +<<Arqr R"]-ft1s ffi ao e< E4ftft (5) {< q-+-l ("i) q-flfl uma'ig iT
q{-iTfQI4 a-<

a-{r{ <Tg-fi{<rol atrsH ffi <fiifr( o-<t ca<fi?Flft sf'ctF TVr iTrT.o qr€:r,!T (s},IS) <t
srfirnl aiTBFFrs-rri T-{E|qrl RrR< {ti qir<r q? Dtqfn $Nra cflcnr;K fitftao ,!Ts \3 Eqdr
(Unique) cdnr[{ {!K (Transaction lc1) {If}1s S?(<r ,{? .flrIr{<'R"ift-N- xre oEm eIQx e-o= c{-6
<t$-r q1c{tfrs {TBstrrt7a q(TfrE qtftls qtc< ,!<( Bg; qTEe11Tr< l1fr? 11-q a-5i.ig6
armft<'t< qtFcco q?c<r
-lEl(t {lc-< qnx T{i r(rrrq! rr "tf?("[c ffi6arr
(\9) n]_{]-iE <l.t<ft'( 54-j1ffi3-<tETt.e sa
sQ m<t {Y{ ckcs {qrrlft q-qa qqfirk't"t ca? fl<t ffiq{k oRr< iot-{t< E"f< "1"f+fi 1no'tftctt
FRro q?r< itr €i cr{l r-{<-{FTfffi <Il(T <I vtqfu'l T-yT +iH t{ (Cash in) <1 <Tlt .qIBE tCash
or-rt) (I31IQ q{il-{I C}f<l q<( flffi q"ltf<tr< O$O USSD (Unstructured Supplementary Sen,ice
Data) Cr-fi 3qr{ qfi qrt s? fl{FT r-'l]Ir{ ,!Q rq{ cr3trl r<fr? q-{nnT Tf{ c}i<13'R{ft-F
"t("f{ G"i< a_C{]G]T yio of+?e fi(f}( cr<].AnfrcIft <.fr EVTg Cg]BK FrcB
eft6Xq($'tT qtc\o

flI'tT Tt aru orflT{T qqftq EtsT <1 ft <I ofr.n-q< R{ftcg grs IIrfi {-Gj q-ffi qfiolT.!tcs-6q
<jl(T. Tt s.l_f,fu'l <1 orffi q"nr<tr<ut+cp' 16r{lT TTa "tR-ffiq ?FR65 q?rr mr crffi <rlifr<
pi<r rra<rcprft T-qT lq(rilft q<fiqr{utqrf {I""{. 'tfrr.mq-n qoffi 'a1frffi-T'' 4-j1q qffi
a<?n*tr-frre erqr{elE a,TH Tfrc<r rq({Ift s(flfi-<1"t qfiq"E etn-< TT-{ TrF lkc{(rR
gTI"l{.{.l'ffiffi-P' l<1e ofrr<t

il(ft( 6<T arFstft ffi e? c{<T {fl{<Irs3 ?rc{lqT{ {q({lft s(ftnr Rq1<
ral Gfl-<]iE
C{ffi4 sffi{uf6fi ffi t{s SMS qFTf{-SqTCff q4i USSD Cr-<I!R"i s-<T a[l.l afirs s<( ,!A
fi-<t fiT <t M <r<qtLT{ fi{rq erc q{ fr{l-{ sl-catlul ffiTo qFr+{ fr-ex ETF-cer 6ke-c ,!
Bfr-Fl\5 fl<]-{ C+ts So5t.5o e< R{A-F USSD CC-<t 3jqr"l{ ffirg Iqrffi "t|fi"[Ft effi-qi ryr<-f
Tae carn?e <rt<frq ra-<t ffico {afifrTcrytk.c'nq oRro qlr<t

(c) $(Elr <'{(s-{m 6ftq qIFH'E atcq< 'Ir{ m€T FI<RE 6{rrleq <ir(ft-( ca-<I dq1n-+Tft
Stett{ c(fr? yo offi< qafr{ftT .$lrs (s/s)e,:/q<fr? fry-o nft"r+rc<d< colu/o\e55)
ffi Er{rGT rl{lr{ ?rc{rcl'15'o wff aqlT :rfrKl

\bs rilRq'ro Aqf{r- GtKfrE c{ffl?E $t(fr( fi-4 3ql{alft dfrtl{ ffirtqK ffi ac

c{I.g]r{f r-,{T '.TTF-b.5' q q'f}qa6 gql{ Tk-(<'l

-9r,
\

{cldsYfsfr Tt(Ekq.t Tf,p.l{


qter rlq-{ c{V
ff<Ftt

mFqlt{ <lt(fu 6ryqrr R tfrrs TFF e qqlrr tu'tRr.llr{-{ {\rlrFpla

644 3l]Tslft{ s fra]_fi:


Atq

1ro wat eTlTf,I?K {E r3 frst{l:

<r<ITfr rt{1@f,s6trxr (BrN): ?T-{ ffi:t:


rffifrrci{Y:tr: .. ...Et.].fr.
s? Ttr( e\ryT{ <Fffi c{. Ft
liIlfsT{ q{ \e T.Tflo 15 stE{, lo)i €{( IF-i xl{rq-{ rg rT{o 1F frfqTl-{I, qo5rL qNft frril
EBFrs rq6tft q(fifi{ 6q.qt eqt;rfifu at'iT cr{tTmr-< fr{ftF {{-r s-sr +-=t qfttrqr ffi
firx Ecsq q<t qtq:

TqGilft
sTfTs
GT{ q(ftfi-< T-Tf, ffiutetl
flTl-ft.3 slg cr{K T{j raf/ q< ,g glRcl
€"1 l{, CT{T AK_Ffift'{ I_rfi-f
ql{ e fuql {c-s/ <I TJtfi q<( xfr? TS<l
- {( {Tnf Is (IcT s $c{tsr
xfrE7
<fi<o e
qTffE cq;rE rTf,f "tRqt"t
(q(rc)
.lt{B {-{
Ts Iq)
()) (r) (o) (8) (a) (\L) (1)

s.l.fr . . ., '!ETr{ s lalfqaFEtc< S"lkBkPts sqfifr 3qI{


oRqHr

{F[,
,k?f
s l{tsT
dtels:
<r+qlTil{fr ffq-orvqlf -salft

Trffi

/
f qtfrsTtqa 6{ffiqlfi{;s-m,
r*P-l
/ @*"
cqlqr{ Tqrqsr(:rsfilTr{qr{)
dam {F< (Tc"s fr&l

el"rrs $q-{kfiryr
< iqI(q-"t Tf,fiR T?6ff{'{,
reqrftrg, ul-+tr

( dfGE EfrFls qtrq-t qr coo (dE Nt) c'lrqt TFf {fi re 1frv rPt c-dlqR wtq'{ <lq-{ c{r6
q-f,{-dlq a-s1-s frfr6o ffi{ v-+qr Oqcqr q-{T qTrdt{ T-dt qnt )

;fit qS- ots.ob.oooo.ogts.l\.oo5.tnr rt >QU/ ffi{g os l-Iu', \o\o RSrq'I

q.{.{frpt E{ft& \e arflqft{ <r+qr oqrts q-ara 6w8vr* FTrfllar ir)


5I <l(ElCrCiK SqrR {R ftAq'O e frT6'O, S1_+.3r?E, ElStt

\r uiffi, n1qa11-6q.i <fis+, {Gftq, fiel (T+q <i(s e cqffi {T(fr( ffii1 SriFr-f,lil
Sfutti-ar
zfcatqax FKf{il AqTr;{-{ q-{) |

cl rF<, q-o r9 6f,fr6{I.n-({Iutfuul, <'t(Elcq-"tlF<rql, ur+It


B c$frrs6, qlfuF fii-flat{ (TtSn-{, egttq vilB), 6-<-{ ftrl val, ffiott <t/q, Dr+lr
'g
c-1t mar (F ffilr wrrT llqr'fr&ll rrsT (Trrf, <raKlT{ e qliD, q€{ <tqs cts, uffir
1,-),) | Sfrlir{, T-PB{q, €3lEq rg qtE Tfr}l{r{E, Drol (trs0/ trm g'fu"D/ ut-o tTo/ DtTtt"iFFDr
uErtumFrmr 3S-.fi lrcqr<r<tq-ttfrn <
"5<7
ffi7 gq
TTg, Drfi
+-nqtst ?Bfr E ( I

ro-\c I ofu.l{R, T-t$T qtu{, FEoTvfiTV {iEv1-{'nt("ttq/"iHultel q]?fre, TTETT{t


\.!-\b r sFnfi(, ol'Fr{, .!=il?q \e {Ts'(slftq)
Tfr-14rr1B, Difi-5/ EiTT-t/ uE$lql Tq+r
\eo r ar+ ffiwt crffcrqT s uqg
qq}"tfu-ryo, qfA{S{, 5\1 ig{affi-g, s1-61
e5l {sl"lRb-H+, T$ C<Tls s dsT{q EftqS<, Gftsil( Tfr& s<{, (st"t{l{-f a{Is, trlell
ea t-,./ltlERul+e, uto qRqS{, <l(Elfi.tEl-f, fuuf, <vrr<-S'qfrfrB, oro'rr

ryto1 ftrBr rtc{qlsr, qlft;<1cr-q c<16, Drc1 (\stv< qtitB qr'lcEt-s+-{.rqq $rrffir st{5r gqr.rs
qr] q1r<l{ T-<tq(6ID I

e8-o\br 4fi1 1y-o-ne<ffi+flro fra\-r e c,trtxvtfT+: fitB;, w-e{ a-qr c<ni, urcrr
$a]l-
sq-8o I fi+ ,!&.f+BBs q-fu{f< (ftirg), ari}q'ffi-{ frffig7<.1afr<o &Grtrq pfrBfuT-q{ fref Kfr
qCaTIFI frcl Cb=frBa Tl.(Efft-"tfrffis, fi+lt
85 President, Association of Mobile Telecom Operators of Bangladesh (AMTOts), Wali Center (2nclfloor)
7,1 GLrlshanAvenue, Dhaka- 12 I 2.
8ll <r+{IcFit "tku-l-{s, fi+t t frft(Bi5, qlftqsl Fle$t-:, ft{ cl$ .tQq slqTq-< 6q-QE, u1-fl of[fi+cT6,
trtTT-5eo.b I

8\9 i orl{"ry]-{ Tc{lqtl'{ sslg {F{, slqrt TM-{ c<lti, ul-q1(rDfr{"lll-{ T-RTqtx-n cm q{ui&{ Ganl) r

&qx rB< t1a-o sii{ e ffi)

You might also like