https://anamolbhushankhadka.com.np/ Economics research papers on development, remittances and digital payments, broken down into clear, plain-language summaries by Anamol Bhushan Khadka. en https://anamolbhushankhadka.com.np/writings/banking-the-unbanked/ https://anamolbhushankhadka.com.np/writings/banking-the-unbanked/ Mon, 21 Sep 2026 00:00:00 GMT A third of Nepalis still sit outside the formal financial system. From the 2008 crash to COVID-19 to M-Pesa and UPI, here is why fintech could be the bridge, and what it will take to reach the last mile. Fintech Financial inclusion Nepal https://anamolbhushankhadka.com.np/writings/globalization-4-0-meets-bureaucracy-1-0/ https://anamolbhushankhadka.com.np/writings/globalization-4-0-meets-bureaucracy-1-0/ Mon, 14 Sep 2026 00:00:00 GMT Nepal has built real digital foundations, from near-universal mobile internet to blockchain cash transfers. But weak institutions, a rural divide and bureaucratic inertia could leave it behind in the next technological wave. Technology Development Nepal