
Most Innovative Digital Finance Service
Innovation in the financial sector
Welcome to the official digital platform ofTanvir A Mishuk— a globally recognised fintech visionary, entrepreneur and leader in digital transformation, driving financial inclusion and technological progress across emerging markets and beyond.

Torchbearer of digital financial inclusion, digitalizing the postal department of Bangladesh and initiator of the second wave of fintech in Bangladesh.
Business magnate, sprightly investor, innovator and philanthropist — aimed at addressing the needs of the country and aiding in reconciling economic inclusion and equality for the world.
A phenomenal work experience of 15 years, from small-scale businesses to high-rise corporate brands at home and abroad.
"Technology must be at the heart of economic participation. By enabling faster, more secure and more affordable financial services, we empower entire communities to prosper."
A track record of excellence recognised by Mastercard, Global Brands Magazine and the financial sector in Bangladesh.

Innovation in the financial sector

Innovative and affordable digital payment options

At the forefront of innovation in Bangladesh

Mastercard bill payment — outstanding digital contributions

Remarkable contributions to merchant business

Innovations furthering financial inclusion goals

To make the dream of a digital Bangladesh a reality, financial inclusion of the people of all walks of life has no alternative. My only goal while leading Nagad is to make financial transactions effortless for everyone. The path hasn't been an easy one — but my motto has always been: let's build the way and walk through.
The stories of this quest towards making financial inclusion a reality for all, and the thoughts on the future of financial institutions in a digital Bangladesh, are compiled in this book. Anyone who shares the passion for transforming Bangladesh into a thriving digital nation should read it to contemplate what we must do to make the dream a reality.
Six pillars of change reshaping how Bangladesh banks, saves and transacts every single day.
In Bangladesh, 67% of people were out of banking facilities until 2019. After Nagad started its journey under the leadership of Tanvir A. Mishuk, that percentage decreased significantly.
Mr. Tanvir came up with the innovative idea of receiving money to a mobile number without having an account — ensuring financial equality for everyone.
Implementing Digital KYC was Mr. Tanvir’s sole innovation that revolutionized the mobile banking industry, allowing users to open accounts with three simple finger-taps.
Integrating technology with finance, Mr. Mishuk makes mobile banking more accessible and affordable for end users, so their transactions are secure and fast.
His initiative Nagad not only eased financial transactions but created new opportunities for SMBs and entrepreneurs — send or receive money anywhere, anytime.
Nagad has shown that public-private partnership projects can be profitable where similar projects struggle to generate minimum revenue.
Ideas that redefined what digital finance could do in Bangladesh.

Tanvir A Mishuk founded Nagad in 2019. Today it is the most efficient and user-friendly digital financial service in Bangladesh — and within only one year of launch it became one of the fastest growing fintech companies in the world.

Tanvir A Mishuk pioneered the Digital KYC system to make registration easy and faster than before. He developed an innovative digital finance system where users can open an account in seconds — securely and without paperwork.

Before Nagad, it was nearly unimaginable that anyone could receive money only with their mobile number, without having an account. Mr. Tanvir introduced SMTAP to make cash transfers as simple as sending a text message.

Mr. Tanvir A Mishuk’s idea was to lessen the trading cost of the mobile banking financial system. He dedicatedly works to minimize fees compared to the market standard — giving small business owners more of what they earn.
From startups to high-rise corporate brands — at home and abroad.

Nagad is the fastest growing digital financial service in Bangladesh, aiming to promote financial inclusion and curb inequality.

Sigma Group is a pioneer in multiple industrial fields across Bangladesh and Singapore.

Sigma Telecom is a licensed International Gateway (IGW) service provider in Bangladesh.

Telekom Asia revolutionized real-time communication over the internet — one of the biggest voice wholesalers in Singapore.

T-Asia is a group of companies spanning technology, telecom, tourism and many other fields.
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