In Sylhet, a small team working out of the Zila Parishad Digital Center is changing what “access” looks like for people who can’t easily reach a bank. Led by 35-year-old Joynal Abedin, Four-Wheeled Banking takes government allowances straight to the homes of elderly people, persons with disabilities, and mothers receiving maternity support—quietly restoring time, dignity, and choice.

The idea took shape with support from the a2i project in 2019 and rolled out in August 2020. The method is simple: local micro-merchants visit every ward and union on a fixed schedule, verify recipients, and complete cash-out or mobile wallet transactions on the spot. Behind that simple front end sits a growing digital backbone—clean recipient lists, basic health notes to aid follow-ups, and a small innovation and data team that keeps the service responsive to real needs.

The scale is already visible. About 32,000 allowance recipients have chosen to receive money at home, skipping long queues and confusing paperwork. The team has also helped channel agriculture and small-enterprise loans, so families can do more than just get by. The initiative creates jobs for persons with disabilities and is actively working to open 200 more roles as coverage expands. By 2030, the goal is to reach 50,000 families—with systems strong enough to make inclusion routine, not exceptional.

What’s changed is not only convenience, but confidence. People who once depended on neighbors to navigate a bank branch now manage their own transactions. Local youth have paid, purposeful work. And with data guiding routes and follow-ups, help reaches the right door at the right time.

“Bringing banking services directly to the homes of the elderly and disabled isn’t just about money; it’s about restoring their dignity and ensuring that no one is left behind in our journey toward a more equal and inclusive society.”  — Joynal Abedin, Four-Wheeled Banking

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