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Beginning in the late colonial period, banking and money became a central interface between the state and its subjects, with Ugandans demanding greater access to credit. In the years after independence, the government responded to expectations of commercial liberty by using savings and loans to turn colonial subjects into credible citizens—dutiful producers of export value whose personal “banking habit” would serve the nation as a whole. Whether through the Bank of Uganda’s national currency or the Uganda Commercial Bank’s vans circling the countryside, economic citizenship tried to sidestep the nation’s lack of affective solidarities by weaving together monetary ties. For many, this was welcome, but simultaneously, these financial interdependencies limited exchange across territorial borders. As a result, some people—among them, Asians, migrants, and residents of the border regions—were cast as suspicious subverters of the nation-state. Rather than a question of merely inclusion or exclusion, this chapter shows that postcolonial citizenship worked through “enforced membership,” as national currency imposed inclusion within the state’s monopoly on valuation, sometimes with violent implications (as in the case of the 1972 expulsion of Ugandan Asians).
This Element examines the role of mobile banking in accessing public services in Bangladesh. It also identifies the key influencing factors and challenges in accessing public services through mobile banking and suggests policy measures to overcome these challenges. Based on a survey of 300 people, the study finds that mobile banking facilitates access to public services, which is beneficial and effective for both rural and urban users, as technology can increase the quality of work. Despite the benefits, some individuals are reluctant to use the service due to high transaction costs and a lack of digital literacy.
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