Conference Program & Schedule

26 June 2025 | BRAC Business School, BRAC University

Program Flow

09:00 – 10:00
Registration
Auditorium
10:00 – 10:10
Opening Remarks
by Dr. Mohammad Mujibul Haque, Professor and Dean, BRAC Business School, BRAC University
10:10 – 10:20
Keynote Speech
by Dr. Mohamad Fazli Bin Sabri, Professor and Dean, Faculty of Human Ecology, Universiti Putra Malaysia
10:20 – 11:10
Panel Discussion by Special Guests
• Dr. Mohammed Helal Uddin (Dhaka University & MRA)
• Mr. Md Mushfiqur Rahman (SME Foundation)
• Mr. Arinjoy Dhar (BRAC Microfinance)
• Dr. Toufic Ahmad Choudhury (Bangladesh Academy for Securities Markets)
11:10 – 11:20
Remarks by Corporate Partners
• Mr. Syed Javed Noor (IDLC Finance PLC)
• Mr. Alamgir Morshed (Infrastructure Development Company Limited)
11:20 – 11:30
Chief Guest Remarks
Ms. Nazma Mobarek, Secretary Financial Institution Division (FID), Ministry of Finance
11:30 – 11:40
Guest of Honor Remarks
Mr. Mohammad Muslim Chowdhury, Chairman, Sonali Bank PLC
11:40 – 11:50
Closing Remarks
by Dr. Syed Ferhat Anwar, Professor and Vice-Chancellor, BRAC University
12:00 – 14:00
Lunch Break
12:00 – 13:15
Presentation Session I (Online)
14:00 – 15:15
Parallel Presentation Sessions (II – V)
15:15 – 15:30
Tea Break 1
15:30 – 16:45
Parallel Presentation Sessions (VI – IX)
16:45 – 17:00
Tea Break 2
17:00 – 18:15
Parallel Presentation Sessions (X – XIII)
18:30 – 19:30
Closing Ceremony

Detailed Presentation Schedule

Session I ONLINE
12:00 PM – 1:15 PM

Financial Literacy, Inclusion and FinTech

Moderator: Dr. Abu Saad Md. Masnun Al Mahi
BBS Conference Room (Online)
MFIs and Livelihood: Assessing Impacts of Microcredit Programs Through PRA in Talaimari Slum, Rajshahi, Bangladesh
Sanzida Sumaiya Suchana, MA Abdur Rahman, K M Sadman Raiyan, Md Motaleb Hossain, Md. Abdul Wakil, Anutosh Das
Financial Inclusion and Economic Resilience in Iraq: Analysis Using IMF Data (2016–2023)
Dr. Sultana Begum
Financial Literacy and Economic Growth in Arab Countries: An Empirical Investigation
Djihad Tria
Cost Efficiency as a Financial Competency: Revitalising Distressed Manufacturing Firms in China Through Internal Recovery Strategies
Jinyu Xiao, Md. Mahmudul Alam, Shazida Jan Bt. Mohd Khan
E-wallet Inclusion Usage on Regional Economic Growth in Indonesia: Traditional Market Penetration
Ahmad Herlyasa Sosro Pratama, Aris Siswati, Neha Novadiana, Fiqh Ilmy Fauzy, Aswad

14:00 – 15:15 | Parallel Sessions II-V

Session II
2:00 PM - 3:15 PM

Financial Literacy, Competency and Inclusion – A

Moderator: Dr. Mohammad Shahidul Islam
7A-10C
Financial Literacy as Human Rights: A Communication Design Perspective
Mohammad Shahidul Islam. PhD
Understanding the Role of Financial Capability in Small Business Performance
Md Arif Hossain Mazumder, PhD, A S M Shakil Haider, PhD, Md. Kausar Islam Bidhan, Mohammad Mujibul Haque, PhD
Unlocking Sustainable Growth for Female-Entrepreneurs Through Financial Inclusion and Literacy
Syed Shamim Hasan, Dr. Md. Noor Un Nabi, Dr. Léo-Paul Dana, Imtiaz Masroor
The Intersection of Financial Inclusion and Water Security: How Microfinance Is Enhancing Water Access in South Asia
Mosaraf Hosan Nishat, Abrar Labib, Md. Fuyad Hasan Sagar, Abdullah Al Nabil
Mind the Money Gap: Twisting the Threads Between Financial Literacy and Women's Entrepreneurial Mojo – What's Next?
Dr. Nusrat Hafiz, Tanzin Khan, Nadia Afroze Disha
Session III
2:00 PM - 3:15 PM

Financial Literacy, Competency and Inclusion – B

Moderator: Dr. Md. Arif Hossain Mazumder
7B-11C
Does Financial Inclusion Gender Gap Persist in the Digital World?
Afroza Sultana
The Impact of Financial Literacy on Bangladeshi SMEs': Financial Behavior and Financial Well-Being
Kazi Tanvir Ishtiaque
Determinants of Labor Force Participation of Females With Tertiary Education: A Cross-Country Analysis
ABM Omar Faruque, All-Marufi Rahaman Sajon, M Maksudur Rahman
Financial Literacy & Credit Consumption: A Study of Spending Behavior of Generation Z Professionals
Parveen S. Huda, Rowshon Ara, Md. Rafin Islam
Investigating the Barriers to Accessing Formal Financial Services Among Rural Women in Bangladesh: A Quantitative Approach
Sajib Paul, Mohammad Mohibur Rahman, Saad Md Maroof
Session IV
2:00 PM - 3:15 PM

Digital Finance – A

Moderator: Dr. Md. Mizanur Rahman
7B-12C
Investigating Digital Financial Literacy Readiness Among SME Owners in Bangladesh
Md. Mizanur Rahman, Mohammad Mujibul Haque, Najmul Hasan, Saif Hossain, Ekramul Islam
Digital Financial Literacy, Financial Behaviour, and Financial Confidence as the Predictors of Financial Well-Being Through the Lenses of TPB and TAM
Dhruba Sarker, Md. Mizanur Rahman, Md. Nafizur Rahman, Saif Hossain
Advancing Financial Literacy in Bangladesh: A Policy-Centric Model for Inclusive Development and Digital Empowerment
Md. Mahmudul Alam, Mohammad Mujibul Haque
The Impact of Digitalization of Banking Channels on Financial Literacy Across Demographics in Bangladesh
Sheikh Adib Birahim, Sumaitha Jannat, Sabbib Bin Sattear, Johan Protik Rozario
Empowering Communities Through Financial Literacy and Digital Inclusion: A Pathway to Sustainable Development in Habiganj District, Bangladesh
Sharmin Begum, Kaniz Fatema
Session V
2:00 PM - 3:15 PM

Digital Finance – B

Moderator: Mr. Saif Hossain
7B-13C
Reimagining Finance and Accounting Education: Understanding the AI Integration Dilemma
Saif Hossain, Sheikh Farhan Tanvir Fahim, Md. Mizanur Rahman, PhD, Shuvro Ahmed
Does Islamic Social Finance Matter for MSMEs Sustainability? The Roles of Digital Literacy and Government Initiatives in an Emerging Economy
Mohammad Sahabuddin, Sayeeda Jabeen Sany, Syed Ali Fazal
Digital Microfinance in Bangladesh
Nusrat Jahan Nishat (Advocate)
Factors Affecting Digital Financial Literacy and Their Impact on Customers' Financial Behaviour: A Bangladesh Perspective
Dr. Md. Sazzadur Rahman Khan, Dr. Mohammad Faridul Alam, Sazia Afrin, Saeeda Tajrian
Entrepreneurial Orientation, Digital Financial Literacy, and Economic Empowerment: A Study on Bangladeshi Female Entrepreneurs
Ibnat Tasrin, Sidrat Zaheen, Promity Tasneem, Tazir Chowdhury Mikath, Mustafa Abid Rahman

Tea Break 1 | 15:15 – 15:30

15:30 – 16:45 | Parallel Sessions VI-IX

Session VI
3:30 PM - 4:45 PM

Financial Literacy, Competency and Inclusion – C

Moderator: Mr. Riyashad Ahmed
7A-10C
Financial Inclusion as a Catalyst for Inclusive Growth: Empirical Evidence From Bangladesh
Md. Golzare Nabi, Md. Mahmudul Alam, Md. All Mahmud
Overview of Financial Inclusion of Santals Tribe in Bangladesh: A Study on Dinajpur
Md. Main Uddin Ahammed, Rony Kumar Datta, Md. Shamim Hossain, Md. Jahangir Alam Siddikee, Md. Mehedul Islam Sabuj, Md. Abdur Rouf
Bridging the Gap: The Role of Financial Literacy in Enhancing the Sustainability of Rural SMEs in Bangladesh
Mariya Tasnim, Wasif Azraf
Financial Inclusion and Women Empowerment in Bangladesh
Aslam Mahmud
Does Financial Literacy Influence Household Economic Well-Being? Evidence From Dhaka, Bangladesh
Md Arif Hossain Mazumder, Md. Kausar Islam Bidhan, A S M Shakil Haider, Mohammad Mujibul Haque
Session VII
3:30 PM - 4:45 PM

FinTech – A

Moderator: Dr. Suman Paul Chowdhury
7B-11C
Impact of E-Payment Systems on the Economic Growth of Bangladesh
Himadri Shekhar Sarder
Components and Assessments of Bangladesh's Shift to Fintech-Based Financial Inclusion
Dr. Rony Kumar Datta et al.
Fostering Financial Literacy Through Gamification
Mustafa Abid Rahman et al.
Inclusive FinTech Systems for Empowering Excluded Communities
Helena Alam, Md. Mahmudul Alam, Dhruba Sarker
Evolution of Distribution Models in Bangladesh’s Digital Payment Ecosystem
Iftekhar Abedin Khan, Sabrina Kabir
Session VIII
3:30 PM - 4:45 PM

FinTech – B

Moderator: Dr. Sayla Sowat Siddiqui
7B-12C
Analyzing the Impact of FinTech on Traditional Banking
Ashfika Hossain, Sheak Tofique Ahmed
FinTech: Impacts on Financial Inclusion in Rural Bangladesh
M. M. Shakil Bin Zaman, Md. Rubel Hossain Apon
Buy Now, Regret Later: BNPL and Financial Responsibility
Samanta Islam, Syeda Umaiya Wali
bKash Loan: A Pseudo–Credit Card Facility
Sabrina Kabir, Md Abdullah Al Mamun, Rabaya Bosry
Exploring MFS Adoption and Financial Literacy Among Merchants
Md Golam Mubasshir Rafi, Israt Zarin Ruponty
Session IX
3:30 PM - 4:45 PM

Digital Finance - C

Moderator: Dr. Md. Kausar Alam
7B-13C
Digitalization: Initiatives at Dhaka Stock Exchange PLC
Mohammad Asadur Rahman, Nur-E Hafsa
Cloud Computing for SMEs in Bangladesh
Syed Nazmul Hossain
Empowering Third-Gender Individuals Through Financial Literacy
Shuspita Saha, Afrida Rahman, Sabekun Nahar Tultul
Free to Lance: Skills & Empowerment for Underserved Youth
Sabrina Nasrin et al.
Cashless Economy Readiness: Rural vs Urban
Aminul Russel, Mohammad Bhuiya

Tea Break 2 | 4:45 PM – 5:00 PM

Session X
5:00 PM - 6:00 PM

Financial Literacy, Competency and Inclusion – D

Moderator: Dr. Suman Paul Chowdhury
7A-10C
Digital Literacy & Risky Investments
Md. Miad Uddin Fahim, Shabnaz Amin
Economic Abuse and Financial Illiteracy in Dhaka’s Slums
SK. Adeeb Ayub et al.
Enhancing SME Financial Literacy in Bangladesh
Barsat Kabir
Comparative Youth Financial Literacy in Ghana, UK & Bangladesh
Meraj Jahan
Session XI
5:00 PM - 6:15 PM

Economic Wellbeing & Empowerment

Moderator: Mohammad Shahidul Islam. PhD
7B-11C
Impact of Community-Level Interventions on Women Empowerment
Zeba Farzana et al.
Financial Behavior Among Low-Income Consumers
Mohammad Shahidul Islam. PhD, Barsat Kabir
Financial Crime, Governance, and NPL Dynamics
Md Afnan Nahyan et al.
Financial Well-Being in Bangladesh: Role of Financial Behavior
Md. Kaysher Hamid et al.
Empowering Communities Through Islamic Finance
Abdullah Fuad
Session XII
5:00 PM - 5:45 PM

Digital Finance – D

Moderator: Dr. Nusrat Hafiz
7B-12C
Money, Mobile, and Mindset: Digital Financial Literacy for Women Empowerment
Dr. Nusrat Hafiz, Anoosheh Abdullah
Does Digital Financial Literacy Escalate Formal Savings?
Afroza Sultana
Digital Marketing & Financial Inclusion Among Youth
S.M. Sayem et al.
Session XIII
5:00 PM - 5:30 PM

FinTech – C

Moderator: Dr. Md. Kausar Alam
7B-13C
Consumer Behavior in Urban Bangladesh: MFS-Based Microcredit
Sabrina Kabir, Md Abdullah Al Mamun
Localized Credit in Global Payment Systems
Sabrina Kabir, Md Abdullah Al Mamun

Contact

ICFLEW 2025 Program Committee
BRAC Business School
Annex A, level 05
BRAC University New Campus
Merul Badda, Dhaka-1212
Bangladesh
E-mail: events.bbs@bracu.ac.bd
Web: https://icflew.bracu.ac.bd
Phone: +8801714057593