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    Macroeconomic concerns and bank specific deposit processing challenges - a study on Bangladesh
    (Istanbul Commerce University, 2024) Nasrin, Farhana
    The banking industry is undergoing a dramatic transition that is being propelled by rising FinTech competition, changing business models, mounting pressure from laws and compliance requirements, and innovative technology. This research attempts to present pertinent macroeconomic and banking-related issues that commercial banks are now dealing with as the road of managing deposits becomes more and more challenging. The study gathered the opinions of 200 sample professionals from 29 private commercial banks of Bangladesh that are listed on the Dhaka Stock Exchange and Chittagong Stock Exchange. The result showed that unhealthy competition, regulatory restrictions, and inadequate financial coverage of depositors are the three main issues affecting bank deposit management in Bangladesh. The study recommends that steps should be taken to ensure fair competitive environment and consistent interest rate among the private commercial banks, that the central bank should be more cooperative and flexible in setting different rates and boundaries which can hinder deposit collection; and moreover sufficient amount of coverage and suitable method of premium calculation at deposit insurance should be emphasized to have more public confidence.