IDEAS home Printed from
   My bibliography  Save this article

Benefits and Limitations of Technology in MFIs: Come to Save (CTS) Experience from Rural Bangladesh


  • Abu Saleh Mohammad Musa

    (South Asian Microfinance Network (SAMN), Bangladesh)

  • Mostafa Saidur Rahim Khan

    (Stamford University, Bangladesh)


Adoption of Information Technology (IT) in Microfinance Institutions (MFIs) has become one of the key indicators to improve operating efficiency and productivity of staff at all levels of the organization. Though the cost of investment in IT is a matter of concern, it has manifold benefits ranging from productivity improvement to socio economic development of the target clients. This paper focuses on the adoption of Point of Sale (POS) technology in MFIs and its benefits in operation, cost reduction and stakeholder relationship through an evaluation of a small-scale MFI, Come to Save (CTS), operating in Bangladesh. This paper reinforces that timely implementation of technology reduces cost of operation, attains economies of scale and increases outreach through increased staff productivity.

Suggested Citation

  • Abu Saleh Mohammad Musa & Mostafa Saidur Rahim Khan, 2010. "Benefits and Limitations of Technology in MFIs: Come to Save (CTS) Experience from Rural Bangladesh," Journal of Electronic Commerce in Organizations (JECO), IGI Global, vol. 8(2), pages 54-65, April.
  • Handle: RePEc:igg:jeco00:v:8:y:2010:i:2:p:54-65

    Download full text from publisher

    File URL:
    Download Restriction: no

    More about this item


    Access and download statistics


    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:igg:jeco00:v:8:y:2010:i:2:p:54-65. See general information about how to correct material in RePEc.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Journal Editor). General contact details of provider: .

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service hosted by the Research Division of the Federal Reserve Bank of St. Louis . RePEc uses bibliographic data supplied by the respective publishers.