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Bangladesh G2P Digital Banking Access Expansion

Last registered on August 31, 2021


Trial Information

General Information

Bangladesh G2P Digital Banking Access Expansion
Initial registration date
August 30, 2021
Last updated
August 31, 2021, 1:11 PM EDT



Primary Investigator

University of Kent

Other Primary Investigator(s)

PI Affiliation
University of Kent
PI Affiliation
University of Kent

Additional Trial Information

On going
Start date
End date
Secondary IDs
Prior work
This trial does not extend or rely on any prior RCTs.
In FY 2020-21, the Ministry of Social Welfare (as part of the Government of Bangladesh) fully digitized the disbursement of Bhata (social safety net allowance) payments to 88 million beneficiaries of the Old Age allowance, Widow allowance, and Disable allowance programs, primarily delivering payments into existing or new Mobile Financial Services (MFS) accounts. As of June 2021, all newly enrolled participants receive money digitally on mobile money accounts. While this new system has many benefits, concerns regarding beneficiaries’ experience and barriers to use were identified during monitoring surveys. This study aims to test two programmatic interventions designed to address the market frictions that beneficiaries face.
External Link(s)

Registration Citation

Rahanaz, Maliha, Zaki Wahhaj and Zaki Wahhaj. 2021. "Bangladesh G2P Digital Banking Access Expansion." AEA RCT Registry. August 31.
Sponsors & Partners

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Experimental Details


The intervention's goal is to increase beneficiary awareness about collecting their government aid. Two messaging devices will be used:
1. Circulation of posters providing information on mobile money account services likely to be of interest to G2P payment beneficiaries.
2. Video messages in the local dialect or Bangla highlighting the features of mobile money accounts that may be of interest specifically for DSS beneficiaries.
Intervention Start Date
Intervention End Date

Primary Outcomes

Primary Outcomes (end points)
1. Knowledge about mobile money accounts;
2. Mobile money account usage for different kinds of transactions (e.g. withdrawals, deposits, transfers, payment of bills);
3. Satisfaction with mobile money account usage experience;
4. MFS agent fees paid; and
5. Remittances sent/received.
Primary Outcomes (explanation)

Secondary Outcomes

Secondary Outcomes (end points)
Secondary Outcomes (explanation)

Experimental Design

Experimental Design
This trial is a randomized controlled trial with three arms.

T3: Video message viewing + poster/print media
T2: Video message viewing only
T1: Poster/print media
T0: No treatment
Experimental Design Details
Not available
Randomization Method
Randomization is done in office by a computer using government records of G2P recipients.
Randomization Unit
Clustered on the union level, with targeted messaging to select individuals within some treatment clusters.
Was the treatment clustered?

Experiment Characteristics

Sample size: planned number of clusters
100 unions
Sample size: planned number of observations
3,000 beneficiaries
Sample size (or number of clusters) by treatment arms
T3: Video message viewing + Poster at agent point; 25 unions
T2: Video message viewing only; 25 unions
T1: Poster at agent point only; 25 unions
T0: No treatment; 25 unions
Minimum detectable effect size for main outcomes (accounting for sample design and clustering)

Institutional Review Boards (IRBs)

IRB Name
Innovations for Poverty Action Institutional Review Board #0004745
IRB Approval Date
IRB Approval Number