{"id":1223,"date":"2025-10-29T02:13:12","date_gmt":"2025-10-29T02:13:12","guid":{"rendered":"https:\/\/legalseba.com\/bd-articles\/?p=1223"},"modified":"2025-10-29T02:23:09","modified_gmt":"2025-10-29T02:23:09","slug":"nbfi-vs-psp-license-in-bangladesh","status":"publish","type":"post","link":"https:\/\/legalseba.com\/bd-articles\/nbfi-vs-psp-license-in-bangladesh\/","title":{"rendered":"NBFI vs. PSP License in Bangladesh"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_code _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″] NBFI vs. PSP License Bangladesh: The Ultimate 2025 Guide<\/title><!-- [et_pb_line_break_holder] --> <meta name=\"description\" content=\"Get the complete guide to NBFI (Non-Banking Financial Institution) and PSP (Payment Service Provider) licenses in Bangladesh. Compare requirements, capital, and processes under the Finance Company Act 2023 & PSSA 2024.\"><!-- [et_pb_line_break_holder] --> <meta name=\"keywords\" content=\"NBFI license Bangladesh, PSP license Bangladesh, non-banking financial license Bangladesh, payment service provider license, Bangladesh Bank, Finance Company Act 2023, PSSA 2024, LegalSeba, how to get NBFI license, how to get PSP license\"><!-- [et_pb_line_break_holder] --> <link rel=\"canonical\" href=\"https:\/\/www.legalseba.com\/nbfi-vs-psp-license-guide-bangladesh\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <script src=\"https:\/\/cdn.tailwindcss.com\"><\/script><!-- [et_pb_line_break_holder] --> <script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js@3.7.1\/dist\/chart.min.js\"><\/script><!-- [et_pb_line_break_holder] --> <link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;500;600;700&display=swap\" rel=\"stylesheet\"><!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> <!-- Chosen Palette: \"Calm Professional\" (Slate, Blue, Green, White, and accents of Red for semantics) --><!-- [et_pb_line_break_holder] --> <!-- Application Structure Plan: The SPA is now a 6-part guide with sticky top navigation. The structure is: 1. Overview (H1 + Key Differences), 2. LegalSeba CTA, 3. Side-by-Side Compare, 4. NBFI Deep Dive, 5. PSP Deep Dive, 6. Resources & Footer. This structure is SEO-friendly, answers the user's primary question first, and provides a clear service-oriented CTA before the highly detailed sections. --><!-- [et_pb_line_break_holder] --> <!-- Visualization & Content Choices:<!-- [et_pb_line_break_holder] --> 1. Info: NBFI vs. PSP Practical Goal. Goal: Immediate user guidance. Viz: ‘Practical Implication’ callout boxes (HTML\/Tailwind) in ‘Overview’. Justification: Answers the user’s core question.<!-- [et_pb_line_break_holder] --> 2. Info: NBFI vs. PSP Key Metrics. Goal: High-level summary. Viz: “Key Differences” Table (HTML\/Tailwind). Justification: Directly from research doc (Sec 7), provides a fast, scannable summary.<!-- [et_pb_line_break_holder] --> 3. Info: NBFI vs. PSP Minimum Capital. Goal: Quantify the biggest difference. Viz: Bar Chart (Chart.js) in ‘Overview’. Justification: A simple bar chart is the clearest way to show this financial difference.<!-- [et_pb_line_break_holder] --> 4. Info: LegalSeba Services. Goal: CTA \/ Conversion. Viz: Grid of services with icons (HTML\/Tailwind). Justification: Clearly lists value proposition.<!-- [et_pb_line_break_holder] --> 5. Info: Detailed Comparison (Legal, Scope, etc.). Goal: Allow deep, topic-by-topic comparison. Viz: Tabbed HTML content blocks in ‘Side-by-Side’. Justification: Manages information density.<!-- [et_pb_line_break_holder] --> 6. Info: NBFI Capital Allocation Limits. Goal: Show internal fund restrictions for NBFI. Viz: Doughnut Chart (Chart.js) in ‘NBFI Deep Dive’.<!-- [et_pb_line_break_holder] --> –><!-- [et_pb_line_break_holder] --> <!-- CONFIRMATION: NO SVG graphics used. NO Mermaid JS used. --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<style><!-- [et_pb_line_break_holder] --> body {<!-- [et_pb_line_break_holder] --> font-family: 'Inter', sans-serif;<!-- [et_pb_line_break_holder] --> @apply bg-white text-slate-800;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .chart-container {<!-- [et_pb_line_break_holder] --> position: relative;<!-- [et_pb_line_break_holder] --> width: 100%;<!-- [et_pb_line_break_holder] --> max-width: 500px;<!-- [et_pb_line_break_holder] --> margin-left: auto;<!-- [et_pb_line_break_holder] --> margin-right: auto;<!-- [et_pb_line_break_holder] --> height: 400px;<!-- [et_pb_line_break_holder] --> max-height: 450px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .doughnut-chart-container {<!-- [et_pb_line_break_holder] --> position: relative;<!-- [et_pb_line_break_holder] --> width: 100%;<!-- [et_pb_line_break_holder] --> max-width: 400px;<!-- [et_pb_line_break_holder] --> margin-left: auto;<!-- [et_pb_line_break_holder] --> margin-right: auto;<!-- [et_pb_line_break_holder] --> height: 400px;<!-- [et_pb_line_break_holder] --> max-height: 450px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .nav-link {<!-- [et_pb_line_break_holder] --> @apply px-3 py-2 text-slate-600 font-medium rounded-md hover:text-blue-600 hover:bg-slate-100 transition-colors text-sm;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .nav-link.active {<!-- [et_pb_line_break_holder] --> @apply text-blue-600 border-b-2 border-blue-600 rounded-none;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .accordion-toggle::after {<!-- [et_pb_line_break_holder] --> content: '\\25BC';<!-- [et_pb_line_break_holder] --> float: right;<!-- [et_pb_line_break_holder] --> transform: scale(0.8);<!-- [et_pb_line_break_holder] --> transition: transform 0.2s ease-in-out;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .accordion-toggle.open::after {<!-- [et_pb_line_break_holder] --> transform: scale(0.8) rotate(180deg);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .comparison-tab {<!-- [et_pb_line_break_holder] --> @apply px-4 py-3 font-semibold text-slate-600 border-b-2 border-transparent hover:border-blue-500 hover:text-blue-500 cursor-pointer;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .comparison-tab.active {<!-- [et_pb_line_break_holder] --> @apply text-blue-600 border-blue-600;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .comparison-content {<!-- [et_pb_line_break_holder] --> @apply hidden;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .comparison-content.active {<!-- [et_pb_line_break_holder] --> @apply block;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <\/style>\n<p><!-- [et_pb_line_break_holder] --><\/head><!-- [et_pb_line_break_holder] --><body class=\"bg-white text-slate-800\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<header class=\"sticky top-0 z-50 bg-white\/95 backdrop-blur-sm shadow-md\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"container mx-auto max-w-7xl px-4 sm:px-6 lg:px-8\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"flex justify-between items-center h-16\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"flex-shrink-0\"><!-- [et_pb_line_break_holder] --> <a href=\"#\" class=\"text-2xl font-bold text-blue-700\">LegalSeba<\/a><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<nav class=\"hidden md:block\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"ml-10 flex items-baseline space-x-2\"><!-- [et_pb_line_break_holder] --> <a href=\"#overview\" class=\"nav-link active\" data-target=\"overview\">Overview<\/a><!-- [et_pb_line_break_holder] --> <a href=\"#legalseba\" class=\"nav-link\" data-target=\"legalseba\">LegalSeba Assistance<\/a><!-- [et_pb_line_break_holder] --> <a href=\"#comparison\" class=\"nav-link\" data-target=\"comparison\">Side-by-Side<\/a><!-- [et_pb_line_break_holder] --> <a href=\"#nbfi_deep_dive\" class=\"nav-link\" data-target=\"nbfi_deep_dive\">NBFI Deep Dive<\/a><!-- [et_pb_line_break_holder] --> <a href=\"#psp_deep_dive\" class=\"nav-link\" data-target=\"psp_deep_dive\">PSP Deep Dive<\/a><!-- [et_pb_line_break_holder] --> <a href=\"#resources\" class=\"nav-link\" data-target=\"resources\">Resources<\/a><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/nav>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"md:hidden\"><!-- [et_pb_line_break_holder] --> <select id=\"mobile-nav\" class=\"block w-full pl-3 pr-10 py-2 text-base border-gray-300 focus:outline-none focus:ring-blue-500 focus:border-blue-500 sm:text-sm rounded-md\"><!-- [et_pb_line_break_holder] --><option value=\"overview\">Overview<\/option><!-- [et_pb_line_break_holder] --><option value=\"legalseba\">LegalSeba Assistance<\/option><!-- [et_pb_line_break_holder] --><option value=\"comparison\">Side-by-Side<\/option><!-- [et_pb_line_break_holder] --><option value=\"nbfi_deep_dive\">NBFI Deep Dive<\/option><!-- [et_pb_line_break_holder] --><option value=\"psp_deep_dive\">PSP Deep Dive<\/option><!-- [et_pb_line_break_holder] --><option value=\"resources\">Resources<\/option><!-- [et_pb_line_break_holder] --> <\/select><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/header>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <main><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<section id=\"overview\" class=\"py-16 sm:py-24 bg-white\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"container mx-auto max-w-7xl px-4 sm:px-6 lg:px-8\"><!-- [et_pb_line_break_holder] --> <!-- The H1 is the most important tag for SEO --><!-- [et_pb_line_break_holder] --> <\/p>\n<h1 class=\"text-3xl md:text-5xl font-bold text-slate-900 mb-10 text-center\">NBFI vs. PSP License in Bangladesh: The Ultimate 2025 Guide<\/h1>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<h2 class=\"text-3xl font-bold text-slate-900 mb-8\">NBFI vs. PSP: Which Bangladesh Bank License Do You Need?<\/h2>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"text-lg text-slate-700 mb-10 leading-relaxed\"><!-- [et_pb_line_break_holder] --> This guide provides a detailed comparison of the two primary financial services licenses in Bangladesh: the <strong>Non-Banking Financial Institution (NBFI)<\/strong> license (also known as a Finance Company) and the <strong>Payment Service Provider (PSP)<\/strong> license. Your business goal determines which license from Bangladesh Bank you must apply for.<!-- [et_pb_line_break_holder] --> <\/pee><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"grid grid-cols-1 md:grid-cols-2 gap-8 mb-16\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"bg-blue-50 border-l-4 border-blue-500 p-6 md:p-8 rounded-lg shadow-sm\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 class=\"text-2xl font-semibold text-blue-800 mb-3\">\u2696\ufe0f Practical Implication: NBFI<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"text-lg text-blue-700 leading-relaxed\">If your goal is to <strong>provide financing<\/strong>\u2014such as loans, leasing, or structured investment\u2014you must apply for a <strong>Finance Company Licence<\/strong> under the <strong>Finance Company Act 2023<\/strong>.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"bg-green-50 border-l-4 border-green-500 p-6 md:p-8 rounded-lg shadow-sm\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 class=\"text-2xl font-semibold text-green-800 mb-3\">\u2696\ufe0f Practical Implication: PSP<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"text-lg text-green-700 leading-relaxed\">If your goal is to <strong>process digital payments<\/strong> or run an app\/wallet (like an e-wallet), you need a <strong>PSP Licence<\/strong> under the <strong>Payment and Settlement Systems Act 2024<\/strong>.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"grid grid-cols-1 lg:grid-cols-3 gap-8 items-start\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"lg:col-span-2 bg-white p-6 md:p-8 rounded-lg shadow-xl border border-slate-200\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 class=\"text-2xl font-semibold text-blue-700 mb-6\">Key Differences at a Glance<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"overflow-x-auto\"><!-- [et_pb_line_break_holder] --> <\/p>\n<table class=\"w-full min-w-max text-left\"><!-- [et_pb_line_break_holder] --> <\/p>\n<thead><!-- [et_pb_line_break_holder] --> <\/p>\n<tr class=\"border-b border-slate-300 bg-slate-50\"><!-- [et_pb_line_break_holder] --> <\/p>\n<th class=\"p-4 font-semibold text-slate-700\">Feature<\/th>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<th class=\"p-4 font-semibold text-slate-700\">Finance Company (NBFI)<\/th>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<th class=\"p-4 font-semibold text-slate-700\">Payment Service Provider (PSP)<\/th>\n<p><!-- [et_pb_line_break_holder] --> <\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/thead>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<tbody class=\"divide-y divide-slate-200\"><!-- [et_pb_line_break_holder] --> <\/p>\n<tr><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"p-4 font-medium\">Legal Foundation<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"p-4\"><strong>Finance Company Act 2023<\/strong><\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"p-4\"><strong>PSSA 2024<\/strong><\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<tr><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"p-4 font-medium\">Core Activity<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"p-4\">Lending, investing, leasing<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"p-4\">Processing electronic payments<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<tr><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"p-4 font-medium\">Holds Deposits?<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"p-4\"><span class=\"font-semibold text-green-600\">Yes<\/span> (Term deposits only)<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"p-4\"><span class=\"font-semibold text-red-600\">No<\/span><\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<tr><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"p-4 font-medium\">Minimum Capital<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"p-4\">~ <strong>BDT 100 Crore<\/strong> (BB Directive)<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"p-4\">~ <strong>BDT 20 Crore<\/strong> (BB Directive)<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<tr><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"p-4 font-medium\">Regulator Dept.<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"p-4\">Financial Institutions & Markets<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"p-4\">Payment Systems Dept.<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<tr><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"p-4 font-medium\">Supervision Focus<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"p-4\">Prudential & Governance<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"p-4\">Operational & IT Security<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<tr><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"p-4 font-medium\">Licence Tenure<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"p-4\">Indefinite<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<td class=\"p-4\">3 Years (Renewable)<\/td>\n<p><!-- [et_pb_line_break_holder] --> <\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/tbody>\n<p><!-- [et_pb_line_break_holder] --> <\/table>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"bg-white p-6 md:p-8 rounded-lg shadow-xl border border-slate-200\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 class=\"text-2xl font-semibold text-blue-700 mb-6\">Comparison: Minimum Capital<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"text-slate-600 mb-6 leading-relaxed\">The most significant initial barrier is capital. An NBFI license requires substantially more capital, reflecting its role as a lending institution.<\/pee><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"chart-container\"><!-- [et_pb_line_break_holder] --> <canvas id=\"capitalCompareChart\"><\/canvas><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- NEW LEGALSEBA SECTION --><!-- [et_pb_line_break_holder] --> <\/p>\n<section id=\"legalseba\" class=\"py-16 sm:py-24 bg-slate-50\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"container mx-auto max-w-7xl px-4 sm:px-6 lg:px-8\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"bg-white p-8 md:p-12 rounded-lg shadow-xl border border-blue-200\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h2 class=\"text-3xl md:text-4xl font-bold text-slate-900 mb-6 text-center\">How LegalSeba Can Help You<\/h2>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"text-lg text-slate-700 mb-10 max-w-3xl mx-auto text-center leading-relaxed\"><!-- [et_pb_line_break_holder] --> Navigating the complexities of Bangladesh Bank’s licensing process is challenging. LegalSeba provides end-to-end advisory and legal support to ensure your NBFI or PSP application is accurate, compliant, and positioned for success.<!-- [et_pb_line_break_holder] --> <\/pee><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"grid grid-cols-1 md:grid-cols-2 lg:grid-cols-3 gap-6\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"bg-slate-50 p-6 rounded-lg border border-slate-200\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 class=\"text-xl font-semibold text-blue-700 mb-2\">1. Strategic Advisory<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"text-slate-700 leading-relaxed\">We help you choose the correct license (NBFI vs. PSP) and formulate a business plan that aligns with Bangladesh Bank’s objectives.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"bg-slate-50 p-6 rounded-lg border border-slate-200\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 class=\"text-xl font-semibold text-blue-700 mb-2\">2. Company Incorporation<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"text-slate-700 leading-relaxed\">Complete assistance with RJSC for incorporating your public limited company, a prerequisite for the application.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"bg-slate-50 p-6 rounded-lg border border-slate-200\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 class=\"text-xl font-semibold text-blue-700 mb-2\">3. Documentation Drafting<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"text-slate-700 leading-relaxed\">Expert drafting of all required documents, including Memorandum (MoA), Articles (AoA), SOPs, and AML\/CFT policies.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"bg-slate-50 p-6 rounded-lg border border-slate-200\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 class=\"text-xl font-semibold text-blue-700 mb-2\">4. Application File Prep<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"text-slate-700 leading-relaxed\">We meticulously compile your complete application file, ensuring all forms, declarations, and technical documents are correct.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"bg-slate-50 p-6 rounded-lg border border-slate-200\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 class=\"text-xl font-semibold text-blue-700 mb-2\">5. Regulatory Liaison<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"text-slate-700 leading-relaxed\">We act as your representative, communicating with Bangladesh Bank (BB) and BIDA to address queries and facilitate the process.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"bg-slate-50 p-6 rounded-lg border border-slate-200\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 class=\"text-xl font-semibold text-blue-700 mb-2\">6. Post-License Compliance<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"text-slate-700 leading-relaxed\">Once licensed, we provide ongoing support to help you navigate operational compliance, reporting, and governance rules.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"text-center mt-10\"><!-- [et_pb_line_break_holder] --> <a href=\"#\" class=\"inline-block bg-blue-600 text-white font-bold py-3 px-8 rounded-lg text-lg hover:bg-blue-700 transition-colors shadow-md hover:shadow-lg\"><!-- [et_pb_line_break_holder] --> Contact Us for a Consultation<!-- [et_pb_line_break_holder] --> <\/a><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/section>\n<p><!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> <\/p>\n<section id=\"comparison\" class=\"py-16 sm:py-24 bg-white\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"container mx-auto max-w-7xl px-4 sm:px-6 lg:px-8\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h2 class=\"text-3xl md:text-4xl font-bold text-slate-900 mb-10\">Detailed Side-by-Side Comparison: NBFI vs. PSP<\/h2>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"bg-white rounded-lg shadow-xl border border-slate-200\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"border-b border-slate-200\"><!-- [et_pb_line_break_holder] --> <\/p>\n<nav class=\"flex flex-wrap -mb-px px-6\" id=\"comparison-tabs\"><!-- [et_pb_line_break_holder] --> <button class=\"comparison-tab active\" data-target=\"content-legal\">Legal Framework<\/button><!-- [et_pb_line_break_holder] --> <button class=\"comparison-tab\" data-target=\"content-scope\">Business Scope<\/button><!-- [et_pb_line_break_holder] --> <button class=\"comparison-tab\" data-target=\"content-licensing\">Licensing<\/button><!-- [et_pb_line_break_holder] --> <button class=\"comparison-tab\" data-target=\"content-compliance\">Compliance<\/button><!-- [et_pb_line_break_holder] --> <button class=\"comparison-tab\" data-target=\"content-foreign\">Foreign Ownership<\/button><!-- [et_pb_line_break_holder] --> <\/nav>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"p-6 md:p-10\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"content-legal\" class=\"comparison-content active\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 class=\"text-2xl font-semibold mb-6 text-slate-800\">Legal & Regulatory Framework<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<table class=\"w-full text-left\"><!-- [et_pb_line_break_holder] --> <\/p>\n<tbody class=\"divide-y divide-slate-200\"><!-- [et_pb_line_break_holder] --> <\/p>\n<tr class=\"flex flex-col md:flex-row py-4\">\n<td class=\"p-3 font-semibold text-slate-700 w-full md:w-1\/4 text-lg\">Governing Law<\/td>\n<td class=\"p-3 w-full md:w-3\/4 text-lg leading-relaxed\"><strong>Finance Company (NBFI):<\/strong> <strong>Finance Company Act, 2023<\/strong><!\u2013- [et_pb_br_holder] -\u2013><strong>Payment Service Provider (PSP):<\/strong> <strong>Payment and Settlement Systems Act, 2024<\/strong><\/td>\n<\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<tr class=\"flex flex-col md:flex-row py-4\">\n<td class=\"p-3 font-semibold text-slate-700 w-full md:w-1\/4 text-lg\">Primary Regulator<\/td>\n<td class=\"p-3 w-full md:w-3\/4 text-lg leading-relaxed\"><strong>NBFI:<\/strong> Bangladesh Bank (Financial Institutions & Markets Dept)<!\u2013- [et_pb_br_holder] -\u2013><strong>PSP:<\/strong> Bangladesh Bank (Payment Systems Dept)<\/td>\n<\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<tr class=\"flex flex-col md:flex-row py-4\">\n<td class=\"p-3 font-semibold text-slate-700 w-full md:w-1\/4 text-lg\">Legal Nature<\/td>\n<td class=\"p-3 w-full md:w-3\/4 text-lg leading-relaxed\"><strong>NBFI:<\/strong> A non-bank financial institution that takes term deposits and provides financing.<!\u2013- [et_pb_br_holder] -\u2013><strong>PSP:<\/strong> A payment intermediary that facilitates electronic funds transfer.<\/td>\n<\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/tbody>\n<p><!-- [et_pb_line_break_holder] --> <\/table>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"content-scope\" class=\"comparison-content\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 class=\"text-2xl font-semibold mb-6 text-slate-800\">Business Scope & Function<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<table class=\"w-full text-left\"><!-- [et_pb_line_break_holder] --> <\/p>\n<tbody class=\"divide-y divide-slate-200\"><!-- [et_pb_line_break_holder] --> <\/p>\n<tr class=\"flex flex-col md:flex-row py-4\">\n<td class=\"p-3 font-semibold text-slate-700 w-full md:w-1\/4 text-lg\">Core Business<\/td>\n<td class=\"p-3 w-full md:w-3\/4 text-lg leading-relaxed\"><strong>NBFI:<\/strong> Financial intermediation\u2014term deposits, loans, investments, leasing.<!\u2013- [et_pb_br_holder] -\u2013><strong>PSP:<\/strong> Digital payment processing\u2014e-wallet, merchant payments, fund transfer.<\/td>\n<\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<tr class=\"flex flex-col md:flex-row py-4\">\n<td class=\"p-3 font-semibold text-slate-700 w-full md:w-1\/4 text-lg\">Can accept deposits?<\/td>\n<td class=\"p-3 w-full md:w-3\/4 text-lg leading-relaxed\"><strong>NBFI:<\/strong> <strong class=\"text-green-600\">Yes<\/strong>, but only <strong>term deposits<\/strong> (not demand deposits).<!\u2013- [et_pb_br_holder] -\u2013><strong>PSP:<\/strong> <strong class=\"text-red-600\">No<\/strong>, cannot accept or hold customer deposits as liabilities.<\/td>\n<\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<tr class=\"flex flex-col md:flex-row py-4\">\n<td class=\"p-3 font-semibold text-slate-700 w-full md:w-1\/4 text-lg\">Can lend money?<\/td>\n<td class=\"p-3 w-full md:w-3\/4 text-lg leading-relaxed\"><strong>NBFI:<\/strong> <strong class=\"text-green-600\">Yes<\/strong>, to individuals and businesses.<!\u2013- [et_pb_br_holder] -\u2013><strong>PSP:<\/strong> <strong class=\"text-red-600\">No<\/strong>, PSPs cannot issue loans or make investments.<\/td>\n<\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/tbody>\n<p><!-- [et_pb_line_break_holder] --> <\/table>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"content-licensing\" class=\"comparison-content\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 class=\"text-2xl font-semibold mb-6 text-slate-800\">Capital & Licensing Requirements<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<table class=\"w-full text-left\"><!-- [et_pb_line_break_holder] --> <\/p>\n<tbody class=\"divide-y divide-slate-200\"><!-- [et_pb_line_break_holder] --> <\/p>\n<tr class=\"flex flex-col md:flex-row py-4\">\n<td class=\"p-3 font-semibold text-slate-700 w-full md:w-1\/4 text-lg\">Minimum Paid-up Capital<\/td>\n<td class=\"p-3 w-full md:w-3\/4 text-lg leading-relaxed\"><strong>NBFI:<\/strong> ~ <strong>BDT 100 Crore<\/strong> (per BB directive)<!\u2013- [et_pb_br_holder] -\u2013><strong>PSP:<\/strong> ~ <strong>BDT 20 Crore<\/strong> (per BB directive)<\/td>\n<\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<tr class=\"flex flex-col md:flex-row py-4\">\n<td class=\"p-3 font-semibold text-slate-700 w-full md:w-1\/4 text-lg\">“Fit & Proper” Tests<\/td>\n<td class=\"p-3 w-full md:w-3\/4 text-lg leading-relaxed\"><strong>NBFI:<\/strong> For promoters, directors, CEO (checked for default, financial integrity).<!\u2013- [et_pb_br_holder] -\u2013><strong>PSP:<\/strong> For shareholders, directors, CTO\/CISO (checked for AML\/CFT, IT security).<\/td>\n<\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<tr class=\"flex flex-col md:flex-row py-4\">\n<td class=\"p-3 font-semibold text-slate-700 w-full md:w-1\/4 text-lg\">Core Systems<\/td>\n<td class=\"p-3 w-full md:w-3\/4 text-lg leading-relaxed\"><strong>NBFI:<\/strong> Must implement BB-approved <strong>Core Banking Solution (CBS)<\/strong>.<!\u2013- [et_pb_br_holder] -\u2013><strong>PSP:<\/strong> Must operate a <strong>PCI-DSS-compliant<\/strong> payment system with redundancy.<\/td>\n<\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/tbody>\n<p><!-- [et_pb_line_break_holder] --> <\/table>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"content-compliance\" class=\"comparison-content\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 class=\"text-2xl font-semibold mb-6 text-slate-800\">Compliance & Oversight<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<table class=\"w-full text-left\"><!-- [et_pb_line_break_holder] --> <\/p>\n<tbody class=\"divide-y divide-slate-200\"><!-- [et_pb_line_break_holder] --> <\/p>\n<tr class=\"flex flex-col md:flex-row py-4\">\n<td class=\"p-3 font-semibold text-slate-700 w-full md:w-1\/4 text-lg\">Supervision Focus<\/td>\n<td class=\"p-3 w-full md:w-3\/4 text-lg leading-relaxed\"><strong>NBFI:<\/strong> <strong>Prudential supervision<\/strong> (capital adequacy, liquidity, governance).<!\u2013- [et_pb_br_holder] -\u2013><strong>PSP:<\/strong> <strong>Operational & systems supervision<\/strong> (data integrity, cybersecurity, settlement risk).<\/td>\n<\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<tr class=\"flex flex-col md:flex-row py-4\">\n<td class=\"p-3 font-semibold text-slate-700 w-full md:w-1\/4 text-lg\">Reporting<\/td>\n<td class=\"p-3 w-full md:w-3\/4 text-lg leading-relaxed\"><strong>NBFI:<\/strong> Audited financials, prudential returns.<!\u2013- [et_pb_br_holder] -\u2013><strong>PSP:<\/strong> Transaction, reconciliation, and fraud reports.<\/td>\n<\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<tr class=\"flex flex-col md:flex-row py-4\">\n<td class=\"p-3 font-semibold text-slate-700 w-full md:w-1\/4 text-lg\">Capital Adequacy<\/td>\n<td class=\"p-3 w-full md:w-3\/4 text-lg leading-relaxed\"><strong>NBFI:<\/strong> <strong>Required<\/strong>, as per BB\u2019s CAR\/Leverage framework.<!\u2013- [et_pb_br_holder] -\u2013><strong>PSP:<\/strong> <strong>N\/A<\/strong> (as non-lending entities).<\/td>\n<\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/tbody>\n<p><!-- [et_pb_line_break_holder] --> <\/table>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"content-foreign\" class=\"comparison-content\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 class=\"text-2xl font-semibold mb-6 text-slate-800\">Foreign Ownership & Investment<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<table class=\"w-full text-left\"><!-- [et_pb_line_break_holder] --> <\/p>\n<tbody class=\"divide-y divide-slate-200\"><!-- [et_pb_line_break_holder] --> <\/p>\n<tr class=\"flex flex-col md:flex-row py-4\">\n<td class=\"p-3 font-semibold text-slate-700 w-full md:w-1\/4 text-lg\">Foreign Shareholding<\/td>\n<td class=\"p-3 w-full md:w-3\/4 text-lg leading-relaxed\"><strong>NBFI:<\/strong> Allowed with BIDA & BB approval; capped at <strong>15% per shareholder<\/strong> (unless exempted).<!\u2013- [et_pb_br_holder] -\u2013><strong>PSP:<\/strong> Allowed; foreign PSPs must form local subsidiaries and get BIDA & BB approval.<\/td>\n<\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<tr class=\"flex flex-col md:flex-row py-4\">\n<td class=\"p-3 font-semibold text-slate-700 w-full md:w-1\/4 text-lg\">Tech Partnerships<\/td>\n<td class=\"p-3 w-full md:w-3\/4 text-lg leading-relaxed\"><strong>NBFI:<\/strong> Permitted, subject to data localisation and BB oversight.<!\u2013- [et_pb_br_holder] -\u2013><strong>PSP:<\/strong> Common, but <strong>settlement must occur within Bangladesh<\/strong>.<\/td>\n<\/tr>\n<p><!-- [et_pb_line_break_holder] --> <\/tbody>\n<p><!-- [et_pb_line_break_holder] --> <\/table>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<section id=\"nbfi_deep_dive\" class=\"py-16 sm:py-24 bg-slate-50\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"container mx-auto max-w-7xl px-4 sm:px-6 lg:px-8\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h2 class=\"text-3xl md:text-4xl font-bold text-slate-900 mb-4\">NBFI License Deep Dive:<\/h2>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 class=\"text-3xl font-bold text-blue-700 mb-10\">Finance Company Act 2023<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"text-lg text-slate-700 mb-12 leading-relaxed max-w-4xl\"><!-- [et_pb_line_break_holder] --> This path is for entities focused on financial intermediation: lending, leasing, and taking term deposits. The regulation is “prudential,” focusing on financial stability, capital adequacy, and governance.<!-- [et_pb_line_break_holder] --> <\/pee><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"mb-16\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 class=\"text-2xl font-semibold text-blue-700 mb-8\">NBFI Application Process (Finance Company)<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"max-w-3xl\"><!-- [et_pb_line_break_holder] --> <\/p>\n<ol class=\"relative border-l border-slate-300 space-y-12\"><!-- [et_pb_line_break_holder] --> <\/p>\n<li class=\"ml-8\"><!-- [et_pb_line_break_holder] --> <span class=\"absolute flex items-center justify-center w-10 h-10 bg-blue-100 rounded-full -left-5 ring-8 ring-slate-50\"><!-- [et_pb_line_break_holder] --> <span class=\"font-bold text-blue-700 text-lg\">1<\/span><!-- [et_pb_line_break_holder] --> <\/span><!-- [et_pb_line_break_holder] --><br \/>\n<h3 class=\"text-2xl font-semibold text-slate-900 mb-2\">Submission to Fin. Institutions Dept.<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"text-lg text-slate-700 leading-relaxed\">Apply in writing to Bangladesh Bank’s Financial Institutions & Markets Dept. using the prescribed form.<\/pee><!-- [et_pb_line_break_holder] --> <\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li class=\"ml-8\"><!-- [et_pb_line_break_holder] --> <span class=\"absolute flex items-center justify-center w-10 h-10 bg-blue-100 rounded-full -left-5 ring-8 ring-slate-50\"><!-- [et_pb_line_break_holder] --> <span class=\"font-bold text-blue-700 text-lg\">2<\/span><!-- [et_pb_line_break_holder] --> <\/span><!-- [et_pb_line_break_holder] --><br \/>\n<h3 class=\"text-2xl font-semibold text-slate-900 mb-2\">Prudential Assessment<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"text-lg text-slate-700 leading-relaxed\">BB assesses financial health, management integrity, earning capacity, and public interest.<\/pee><!-- [et_pb_line_break_holder] --> <\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li class=\"ml-8\"><!-- [et_pb_line_break_holder] --> <span class=\"absolute flex items-center justify-center w-10 h-10 bg-blue-100 rounded-full -left-5 ring-8 ring-slate-50\"><!-- [et_pb_line_break_holder] --> <span class=\"font-bold text-blue-700 text-lg\">3<\/span><!-- [et_pb_line_break_holder] --> <\/span><!-- [et_pb_line_break_holder] --><br \/>\n<h3 class=\"text-2xl font-semibold text-slate-900 mb-2\">License Grant & Conditions<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"text-lg text-slate-700 leading-relaxed\">If approved, BB grants an indefinite license, often with specific operational conditions.<\/pee><!-- [et_pb_line_break_holder] --> <\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/ol>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"grid grid-cols-1 md:grid-cols-2 gap-8 items-start\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"bg-white p-6 md:p-8 rounded-lg shadow-xl border border-slate-200\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 class=\"text-2xl font-semibold text-blue-700 mb-6\">NBFI Governance (Finance Company Act 2023)<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"mb-6\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"font-semibold text-slate-800 text-xl mb-3\">Board Size: Max 15 Directors<\/div>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"text-lg text-slate-600 leading-relaxed\">Must include at least <strong>2 Independent Directors<\/strong>.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"mb-6\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h4 class=\"font-semibold text-slate-800 text-xl mb-3\">Family Representation Limits<\/h4>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<ul class=\"list-disc list-inside space-y-2 text-lg text-slate-700 leading-relaxed\"><!-- [et_pb_line_break_holder] --> <\/p>\n<li><strong>Max 2 Directors:<\/strong> If family holds > 5% shares.<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li><strong>Max 1 Director:<\/strong> If family holds 2% to 5% shares.<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/ul>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<hr class=\"my-6\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div><!-- [et_pb_line_break_holder] --> <\/p>\n<h4 class=\"font-semibold text-slate-800 text-xl mb-3\">Director Tenure: Max 9 Years<\/h4>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"text-lg text-slate-600 leading-relaxed\">A director can serve a maximum of <strong>3 consecutive 3-year terms<\/strong>, followed by a mandatory <strong>3-year “cool-off” period<\/strong>.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"bg-white p-6 md:p-8 rounded-lg shadow-xl border border-slate-200\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 class=\"text-2xl font-semibold text-blue-700 mb-6\">NBFI Capital Allocation Limits<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"text-lg text-slate-700 mb-6 leading-relaxed\">NBFIs have strict limits on how they can invest their own paid-up capital and reserves.<\/pee><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"doughnut-chart-container\"><!-- [et_pb_line_break_holder] --> <canvas id=\"nbfiAllocationChart\"><\/canvas><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<section id=\"psp_deep_dive\" class=\"py-16 sm:py-24 bg-white\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"container mx-auto max-w-7xl px-4 sm:px-6 lg:px-8\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h2 class=\"text-3xl md:text-4xl font-bold text-slate-900 mb-4\">PSP License Deep Dive:<\/h2>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 class=\"text-3xl font-bold text-green-700 mb-10\">Payment and Settlement Systems Act 2024<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"text-lg text-slate-700 mb-12 leading-relaxed max-w-4xl\"><!-- [et_pb_line_break_holder] --> This path is for technology companies focused on payment processing. The regulation is “operational,” focusing on system integrity, IT security, data privacy, and settlement risk.<!-- [et_pb_line_break_holder] --> <\/pee><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"grid grid-cols-1 md:grid-cols-2 gap-8 items-start\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"bg-white p-8 md:p-10 rounded-lg shadow-xl border border-slate-200 space-y-8\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 class=\"text-2xl font-semibold text-green-700 mb-4\">PSP: Key Licensing Requirements<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<ul class=\"list-disc list-inside space-y-3 text-lg text-slate-700 leading-relaxed\"><!-- [et_pb_line_break_holder] --> <\/p>\n<li><strong>Apply to:<\/strong> Bangladesh Bank (Payment Systems Dept).<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li><strong>Governing Law:<\/strong> <strong>PSSA 2024<\/strong>.<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li><strong>Minimum Capital:<\/strong> ~ <strong>BDT 20 Crore<\/strong> (per BB directive).<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li><strong>License Tenure:<\/strong> <strong>3 Years<\/strong> (Renewable).<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li><strong>“Fit & Proper” Test:<\/strong> For Directors, CTO, CISO, focusing on IT security and AML\/CFT compliance.<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/ul>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 class=\"text-2xl font-semibold text-green-700 mb-4\">PSP: Core System & Compliance<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<ul class=\"list-disc list-inside space-y-3 text-lg text-slate-700 leading-relaxed\"><!-- [et_pb_line_break_holder] --> <\/p>\n<li>Must operate a <strong>PCI-DSS-compliant<\/strong> payment system.<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>Must have system redundancy and real-time monitoring.<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>Must appoint a <strong>CISO<\/strong> and <strong>Compliance Officer<\/strong>.<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>Subject to BB technical\/system audits and annual certification.<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>Settlement of all transactions must occur within Bangladesh.<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/ul>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"bg-white p-8 md:p-10 rounded-lg shadow-xl border border-slate-200\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 class=\"text-2xl font-semibold text-green-700 mb-6\">PSP: Operational Scope<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"mb-8\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h4 class=\"text-xl font-semibold text-slate-800 mb-4\">\u2705 Permitted Activities<\/h4>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<ul class=\"list-disc list-inside space-y-3 text-lg text-slate-700 leading-relaxed\"><!-- [et_pb_line_break_holder] --> <\/p>\n<li>Digital payment processing<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>Electronic fund transfer<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>E-wallet services<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>Merchant payment aggregation<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>Online\/mobile transactions<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/ul>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div><!-- [et_pb_line_break_holder] --> <\/p>\n<h4 class=\"text-xl font-semibold text-red-700 mb-4\">\ud83d\udeab Restricted Activities<\/h4>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<ul class=\"list-disc list-inside space-y-3 text-lg text-slate-700 leading-relaxed\"><!-- [et_pb_line_break_holder] --> <\/p>\n<li><strong>Cannot accept any deposits.<\/strong><\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li><strong>Cannot lend money or offer credit.<\/strong><\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>Cannot make investments with customer funds.<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>Cannot hold customer funds as a liability (must be in a settlement account).<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/ul>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- NEW RESOURCES SECTION --><!-- [et_pb_line_break_holder] --> <\/p>\n<section id=\"resources\" class=\"py-16 sm:py-24 bg-slate-50\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"container mx-auto max-w-7xl px-4 sm:px-6 lg:px-8\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h2 class=\"text-3xl md:text-4xl font-bold text-slate-900 mb-10 text-center\">Further Reading & Resources<\/h2>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"max-w-3xl mx-auto bg-white p-8 rounded-lg shadow-xl border border-slate-200\"><!-- [et_pb_line_break_holder] --> <\/p>\n<ul class=\"space-y-4\"><!-- [et_pb_line_break_holder] --> <\/p>\n<li><!-- [et_pb_line_break_holder] --> <a href=\"https:\/\/legalseba.com\/bd-licenses\/how-to-obtain-a-pso-and-psp-license-in-bangladesh\/\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"text-lg font-medium text-blue-600 hover:text-blue-800 hover:underline\"><!-- [et_pb_line_break_holder] --> PSO and PSP License in Bangladesh →<!-- [et_pb_line_break_holder] --> <\/a><!-- [et_pb_line_break_holder] --> <pee class=\"text-slate-600 mt-1\">A detailed guide from LegalSeba on the specifics of PSO and PSP licenses.<\/pee><!-- [et_pb_line_break_holder] --> <\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li><!-- [et_pb_line_break_holder] --> <a href=\"https:\/\/legalseba.com\/bd-licenses\/ultimate-guide-to-fintech-licensing-in-bangladesh-mfs-digital-bank-psp-pso\/\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"text-lg font-medium text-blue-600 hover:text-blue-800 hover:underline\"><!-- [et_pb_line_break_holder] --> Fintech Licensing in Bangladesh (MFS, Digital Bank, PSP, PSO) →<!-- [et_pb_line_break_holder] --> <\/a><!-- [et_pb_line_break_holder] --> <pee class=\"text-slate-600 mt-1\">An ultimate guide covering the broader fintech licensing landscape in Bangladesh.<\/pee><!-- [et_pb_line_break_holder] --> <\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li><!-- [et_pb_line_break_holder] --> <a href=\"https:\/\/www.bb.org.bd\/en\/index.php\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"text-lg font-medium text-blue-600 hover:text-blue-800 hover:underline\"><!-- [et_pb_line_break_holder] --> Bangladesh Bank (Official Site) →<!-- [et_pb_line_break_holder] --> <\/a><!-- [et_pb_line_break_holder] --> <pee class=\"text-slate-600 mt-1\">The official website of the central bank and primary regulator.<\/pee><!-- [et_pb_line_break_holder] --> <\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/ul>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/main><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<footer class=\"py-16 sm:py-20 border-t border-slate-200 bg-white text-slate-800\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"container mx-auto max-w-7xl px-4 sm:px-6 lg:px-8 text-center\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 class=\"text-3xl font-bold text-slate-900\">Ready to Start Your Application?<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"text-lg text-slate-700 my-6 leading-relaxed max-w-2xl mx-auto\">Don’t navigate the complex regulatory landscape alone. Contact LegalSeba today for expert guidance on your NBFI or PSP license application.<\/pee><!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"my-10 flex flex-col md:flex-row md:flex-wrap justify-center items-center gap-x-6 gap-y-2 text-lg text-slate-700\"><!-- [et_pb_line_break_holder] --> <span>\ud83d\udcde  <a href=\"tel:+8801753718223\" class=\"font-medium text-blue-600 hover:text-blue-800 hover:underline\">+8801753718223<\/a><\/span><!-- [et_pb_line_break_holder] --> <span>\ud83d\udce7  <a href=\"mailto:support@legalseba.com\" class=\"font-medium text-blue-600 hover:text-blue-800 hover:underline\">support@legalseba.com<\/a><\/span><!-- [et_pb_line_break_holder] --> <span>\ud83c\udf10  <a href=\"httpsReadSeba.com\/book-now\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"font-medium text-blue-600 hover:text-blue-800 hover:underline\">LegalSeba.com\/book-now<\/a><\/span><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> <a href=\"#\" class=\"inline-block bg-blue-600 text-white font-bold py-3 px-8 rounded-lg text-lg hover:bg-blue-700 transition-colors shadow-md hover:shadow-lg\"><!-- [et_pb_line_break_holder] --> Get Expert Help Now<!-- [et_pb_line_break_holder] --> <\/a><!-- [et_pb_line_break_holder] --> <pee class=\"text-sm text-slate-500 mt-10\"><!-- [et_pb_line_break_holder] --> \u00a9 2025 LegalSeba. All rights reserved. This guide is for informational purposes only and does not constitute legal advice.<!-- [et_pb_line_break_holder] --> <\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/footer>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <script><!-- [et_pb_line_break_holder] --> document.addEventListener('DOMContentLoaded', () => {<!-- [et_pb_line_break_holder] --> const capitalCompareCtx = document.getElementById('capitalCompareChart')?.getContext('2d');<!-- [et_pb_line_break_holder] --> if (capitalCompareCtx) {<!-- [et_pb_line_break_holder] --> new Chart(capitalCompareCtx, {<!-- [et_pb_line_break_holder] --> type: 'bar',<!-- [et_pb_line_break_holder] --> data: {<!-- [et_pb_line_break_holder] --> labels: ['Finance Company (NBFI)', 'Payment Service Provider (PSP)'],<!-- [et_pb_line_break_holder] --> datasets: [{<!-- [et_pb_line_break_holder] --> label: 'Minimum Paid-Up Capital (in BDT Crore)',<!-- [et_pb_line_break_holder] --> data: [100, 20],<!-- [et_pb_line_break_holder] --> backgroundColor: [<!-- [et_pb_line_break_holder] --> 'rgba(59, 130, 246, 0.7)',<!-- [et_pb_line_break_holder] --> 'rgba(34, 197, 94, 0.7)'<!-- [et_pb_line_break_holder] --> ],<!-- [et_pb_line_break_holder] --> borderColor: [<!-- [et_pb_line_break_holder] --> 'rgb(59, 130, 246)',<!-- [et_pb_line_break_holder] --> 'rgb(34, 197, 94)'<!-- [et_pb_line_break_holder] --> ],<!-- [et_pb_line_break_holder] --> borderWidth: 1<!-- [et_pb_line_break_holder] --> }]<!-- [et_pb_line_break_holder] --> },<!-- [et_pb_line_break_holder] --> options: {<!-- [et_pb_line_break_holder] --> responsive: true,<!-- [et_pb_line_break_holder] --> maintainAspectRatio: false,<!-- [et_pb_line_break_holder] --> indexAxis: 'y',<!-- [et_pb_line_break_holder] --> plugins: {<!-- [et_pb_line_break_holder] --> legend: {<!-- [et_pb_line_break_holder] --> display: false<!-- [et_pb_line_break_holder] --> },<!-- [et_pb_line_break_holder] --> title: {<!-- [et_pb_line_break_holder] --> display: true,<!-- [et_pb_line_break_holder] --> text: 'Min. 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