Shudeb Kumar Ghosh runs a longstanding family business dealing in dairy products. He used to spend much time and effort conducting financial transactions by traditional means. This often meant having to halt production so he could go to collect the money sent by buyers. Now with bKash, he no longer needs to leave his operations, but can safely and instantly transact through his mobile phone, and collect the cash after hours. As a result, he is able to manage his time and working capital more efficiently and productively.