Ketan Sheikh's Finance and Banking Column The Price of Money Oceans in a Drop – The Power of Micro-Savings In the previous Boishakh issue, I discussed financial literacy and the importance of having a bank account. This time, I’ll be writing about how financial inclusion through banks can be a powerful tool for micro-saving, and how we can turn this practice into a long-term, sustainable habit that truly benefits us. The Cash Habit—A Double-Edged Sword Just a decade ago, cash dominated our daily transactions. Digital payments, cards, or checks existed but were far from popular, and most vendors didn’t have the infrastructure to support them. Similarly, when it came to saving, we’d often stash cash in some secret spot at home—a tin box, a bag of rice, or under the mattress. Then came the pandemic, and like many other things, this habit was forcibly challenged. Since 2020, we’ve all adapted to cashless and digital transactions out of necessity. We quickly realized that if we ...
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