Cannes Lions




1 Silver Cannes Lions
1 Bronze Cannes Lions
2 Shortlisted Cannes Lions
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United commercial Bank Ltd. (UCB), one of the largest banks in Bangladesh, had mostly been focused on corporate banking. Therefore the bank had created a perception of being a traditional bank, lacking innovative services and an attitude that is disconnected from the public. To shift its imagery as a progressive brand and connect with a broader audience, it chose technology & innovation, financial inclusion and retail banking as key priorities.

So, the challenge was to take the first step towards including Bangladesh’s financial outcasts in the country’s growth and success story. UCB realized that existing banking solutions will not help bring the change.

So, the key objectives were:

- To develop solution/s that could encourage and enable the financially excluded to join the financial system.

- To shift brand perception by building a sustainable image as an innovative and empathetic brand that leads the drive for financial inclusivity in Bangladesh.


Not having investible surplus appeared to be the biggest roadblock for financial inclusion of the unbanked farmers.

However, their only asset is their fresh produce, the unsold inventory at the end of each day, which either gets wasted or sold to middlemen at too low prices due to lack of access to storage facility. So, there’s a paradox that the farmers start each day with a commodity that has a certain value, but at the end of the day that same commodity loses almost all of its value even if the produce is still fresh and edible.

So, what if the farmers could sell their surplus of fresh produce, at a fair price while depositing their returns directly into their newly opened bank account?

Enter AgroBanking, the world’s first financial service designed to lift unbanked farmers’ out of poverty by transforming their unsold produce into bank account savings.


Agriculture, the largest employment sector in Bangladesh, has 36 million farmers and most of them are financial outcasts.


- Unbanked farmers believe banks only serve the rich

- Small farmers grow vegetables and fruits in quantities insufficient for the wholesale market. Due to having no storage facilities, the fresh produce starts losing value from the moment it's harvested and the middlemen wait until they get a discount. This impacts the farmers' earnings and any hope to generate surplus for a bank account. When needed, loan sharks charge abnormal interest rate which further reinforces their vicious cycle of poverty.

- Both travel cost to faraway branches and time cost are too high.

Secondary audience:

General people who would see UCB as an inclusive brand.


To develop an eco-system where the farmers get fair price for their fresh produce and have the investible surplus for a bank account.


UCB doesn’t have branches in the rural areas. But they have UCash (mobile financial service brand) agent points and UCB Agent Banking outlets in some of the rural areas. To convert fresh produce into money, UCB partnered with Shwapno, the largest chain of superstores in Bangladesh.

The idea is to set up co-branded points of UCB and Shwapno, at either UCash or Agent Banking points and where none of these are available mobile vans are sent.

The co-branded points have two counters where Shwapno collects the fresh produce, gives out a token and upon submission of the token to the UCB counter, the money gets deposited into the farmer’s UCB account and the farmer receives an SMS notification. The price of produce gets fixed every morning basis the rate in the wholesale market. A few weeks prior to the launch, megaphone announcements and posters are pasted in the implementing areas.