INTERNATIONAL JOURNAL OF RESEARCH AND INNOVATION IN SOCIAL SCIENCE (IJRISS)  
ISSN No. 2454-6186 | DOI: 10.47772/IJRISS | Volume IX Issue XII December 2025  
The Influence of Mobile Financial Service–Driven Consumer  
Engagement on the Growth of Small Apparel Entrepreneurship in  
Bangladesh  
A.M. Riasat Alam1*,Taposh Ranjan Sarker2  
1Department of Textile Engineering, Northern University Bangladesh.  
2Department of Textile Engineering, Southeast University, Tejgaon, Dhaka, Bangladesh.  
*Corresponding Author  
DOI: https://doi.org/10.47772/IJRISS.2025.91200029  
Received: 10 December 2025; Accepted: 18 December 2025; Published: 31 December 2025  
ABSTRACT  
This study helps to examine how mobile payment systems influence adoption patterns, consumer behavior, and  
customer satisfaction. Furthermore, it explores how these changes contribute to the digital transformation and  
growth of small-scale apparel businesses by fostering entrepreneurship in Bangladesh. The findings aim to  
provide valuable insights for business owners, platform developers, and policymakers to optimize mobile  
financial platforms in support of micro-entrepreneurship. Ultimately, this research contributes to a broader  
understanding of how digital financial systems are enhancing consumer engagement with small-scale  
entrepreneurs in the apparel sector of Bangladesh.  
Keywords: Apparel, financial service, digital economy, entrepreneurs, transactions.  
INTRODUCTION  
In recent years, mobile banking has emerged as a transformative force in the financial landscape of  
Bangladesh, reshaping the way individuals and businesses conduct transactions. As one of the country's most  
dynamic economic sectors, the clothing industry ranging from local boutiques to expanding online retailers has  
increasingly adopted mobile financial services (MFS) such as bKash, Nagad, Rocket, and Upay to meet the  
demands of a growing digital consumer base [2].  
The widespread penetration of smartphones and mobile internet has made MFS platforms more accessible,  
particularly in urban and semi-urban regions. These services offer convenient, secure, and real-time payment  
solutions, gradually replacing traditional cash-based transactions and transforming customer expectations  
within the apparel sector [3]. Notably, small and home-based apparel entrepreneurs---many of whom operate  
via social media---are leveraging MFS to streamline transactions, foster customer trust, and expand their  
market reach [1].  
This study investigates how mobile financial services influence consumer engagement, operational efficiency,  
and growth trajectories for small apparel entrepreneurs in Bangladesh. By surveying both consumers and  
business owners following analysis were taken into consideration:  
1. Adoption Patterns: Which MFS platforms dominate the apparel sector, and why?  
2. Behavioral Shifts: How do digital payments affect purchasing frequency, trust, and loyalty?  
3. Entrepreneurial Impact: To what extent does MFS integration enhance business scalability and  
sustainability?  
The aim of this study is to examine the extent of consumer engagement with small apparel businesses through  
mobile financial services in Bangladesh, compare the usage of various mobile financial services (MFS) like  
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INTERNATIONAL JOURNAL OF RESEARCH AND INNOVATION IN SOCIAL SCIENCE (IJRISS)  
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bKash, Nagad, Rocket, and Upay across different types of clothing businesses and identify key MFS features  
(e.g., convenience, trust, cashback offers) that influence consumers to purchase from small apparel  
entrepreneurs. Finally, to assess the impact of MFS-driven consumer behavior on the growth and sustainability  
of small apparel entrepreneurship.  
LITERATURE REVIEW  
The digital financial revolution has transformed economic landscapes globally, with mobile financial services  
(MFS) emerging as a powerful tool for financial inclusion. Originally pioneered in Africa through platforms  
like M-Pesa [18], this innovation quickly spread to South Asia, where Bangladesh has emerged as a notable  
success story. With over 180 million mobile subscribers and a robust MFS infrastructure, the country has  
become a model for digital financial inclusion in developing economies [19].  
Bangladesh's apparel sector presents a particularly compelling case for studying MFS adoption. While  
contributing 84% of the nation's export earnings, the industry demonstrates a dual structure: large-scale  
garment manufacturing for export coexists with a vibrant ecosystem of small domestic enterprises. These  
micro-entrepreneurs - including home-based tailors, social media boutiques, and niche designers - face unique  
challenges that MFS helps address, such as limited access to formal credit and cash flow volatility [16]. The  
COVID-19 pandemic served as a significant catalyst for adoption, as lockdown measures compelled small  
businesses to embrace contactless transactions, revealing MFS's potential to enhance business resilience [1].  
Despite growing adoption, significant gaps remain in understanding how MFS impacts small apparel  
businesses' operational strategies. Existing research has predominantly focused on either macroeconomic  
effects [10] or isolated consumer behavior [4], neglecting the platform's transformative potential for micro-  
enterprise management. This study bridges that gap by integrating insights from financial technology,  
entrepreneurship theory, and apparel industry studies [6,11,17].  
MFS has revolutionized financial access in developing nations, particularly in Bangladesh [20]. Studies  
demonstrate that platforms like bKash, Nagad, and Rocket have dramatically improved digital payment  
accessibility for SMEs [21]. Research by Islam and Rahman [9] reveals how MFS adoption facilitates seamless  
transactions, reducing reliance on cash-based systems - a crucial advantage for apparel entrepreneurs operating  
with limited capital.  
Recent data indicates remarkable growth in MFS penetration, with Bangladesh experiencing a 78% increase  
since 2020 [12]. This expansion has particularly benefited textile sector micro-entrepreneurs. Notably,  
Siddiqui and Akter [15] highlight MFS's role in reducing financial exclusion barriers for women-led apparel  
startups, a critical factor in Bangladesh's informal economy.  
The fashion retail sector has undergone significant transformation through digital financial services. Ahmed  
and Hasan [4] demonstrate that MFS-driven transactions enhance both customer trust and convenience, leading  
to increased repeat purchases. Empirical evidence from textile industry studies shows that small apparel  
businesses utilizing MFS experience 22% faster payment cycles, significantly improving cash flow  
management [6].  
Mobile wallets have enabled innovative marketing approaches for small fashion brands. Hoque et al. [7]  
document how these platforms facilitate personalized discounts and loyalty programs, boosting customer  
retention rates. Parvin et al. [13] further quantify these benefits, showing that digital payment integration  
reduces e-commerce cart abandonment by 22% for apparel retailers.  
While Bangladesh's apparel industry ranks as the world's second-largest exporter, small-scale entrepreneurs  
continue facing banking access challenges [16]. MFS adoption has helped mitigate these obstacles by reducing  
transaction costs and expanding market reach [11]. Research in fashion technology journals indicates that  
digital payments enable small apparel firms to minimize inventory risks through real-time sales data analysis  
[17].  
Field studies reveal that 75% of Dhaka-based small tailors now use MFS for supplier payments, significantly  
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INTERNATIONAL JOURNAL OF RESEARCH AND INNOVATION IN SOCIAL SCIENCE (IJRISS)  
ISSN No. 2454-6186 | DOI: 10.47772/IJRISS | Volume IX Issue XII December 2025  
reducing processing delays [5]. Perhaps most strikingly, Rahman and Begum [14] found that combining social  
commerce with MFS increases revenue by 40% for home-based apparel startups, demonstrating the  
transformative potential of digital financial tools.  
METHODOLOGY  
This study adopts a quantitative research approach with a cross-sectional survey design to investigate how  
Mobile Financial Services (MFS) like bKash, Nagad, Rocket, and Upay drive consumer engagement and  
growth for small apparel entrepreneurs in Bangladesh.  
Primary Data: To conduct survey a structured questionnaire (see Appendix A) with four sections was  
designed that includes:  
1. Demographics (age, gender).  
2. MFS Adoption & Usage (platforms, frequency, reasons).  
3. Shopping Behavior & Satisfaction (preferences, issues faced).  
4. Impact on Small Apparel Businesses (purchase frequency, MFS influence).  
Sampling: Customers aged 18 and more who shop for clothing in Bangladesh (via malls, local markets, online  
stores, etc.) were the target population. Convenience sampling and snowball sampling methods were adopted  
to reach diverse demographics. Responses of 150-250 respondents were taken to ensure statistical reliability.  
Data Analysis Techniques: Frequencies, percentages, and mean scores are calculated to summarize adoption  
rates, preferred MFS platforms, and satisfaction levels, buying from small apparel business. Again, cross-  
tabulation was used to compare usage patterns across demographics (e.g., age groups, shopping locations).  
Ethical Considerations: During data collection respondent anonymity and confidentiality were ensured.  
Additionally, data stored securely and used solely for academic purposes.  
DISCUSSION AND RESULTS  
Demographic Profile of Respondents  
Age group  
Table 4.1: Respondents Age Group  
Age  
No of Respondents  
Respondents %  
Below 18  
18-25  
26-35  
2
1
136  
54  
6
68.7  
27.3  
3
36-45  
46 and above  
0
0
Age group percentage  
0
1
3
27.3  
Below 18  
18- 25  
26 -35  
36-45  
46 and above  
68.7  
Fig 4.1: Respondents Age Group  
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INTERNATIONAL JOURNAL OF RESEARCH AND INNOVATION IN SOCIAL SCIENCE (IJRISS)  
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Interpretation: From the graph it stands that younger consumers (18–25) dominate mobile banking usage,  
indicating higher digital literacy and adoption among millennials and Gen Z. Zero respondents from 46 and  
above age confirms the "digital divide" where older generations prefer traditional payment methods.  
The overwhelming dominance of young consumers (68.7% aged 18-25) using mobile financial services  
presents a golden opportunity for aspiring apparel entrepreneurs in Bangladesh.  
Gender Distribution:  
Table 4.2: Gender distribution of respondents  
Gender  
Male  
Female  
No. of Respondents  
165  
32  
Respondents %  
83.8  
16.2  
Gender distribution  
16.2  
Male  
Female  
83.8  
Fig 4.2: Gender distribution of respondents  
Interpretation: The graph represents Males are more active in mobile banking transactions for clothing  
purchases, possibly due to greater financial independence or shopping habits.  
This gender-disaggregated data serves as a strategic compass for apparel entrepreneurs, informing product  
development (male-focused casualwear vs female-oriented modest fashion), enabling targeted promotions  
(gender-specific MFS cashback offers), and revealing partnership opportunities with payment platforms to  
develop customized financial products.  
Mobile Banking Adoption and Usage Patterns Adoption Rate  
Table 4.3: Adoption Rate  
Opinion  
No. of Respondents  
Respondents %  
Yes  
No  
156  
42  
78.8  
21.2  
Adoption Rate  
78.8  
100  
50  
0
YES  
NO  
21.2  
NO  
YES  
Fig 4.3: Adoption Rate  
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Interpretation: Most of respondents use mobile banking for clothing purchases. A few people still prefer cash  
due to trust issues, lack of access, technological knowledge.  
The high adoption rate validates MFS as a preferred payment method, enabling entrepreneurs to minimize cash  
handling costs and accelerate cash flow cycles - crucial for inventory management in small apparel businesses.  
Most Used Mobile Banking Services  
Table 4.4: Most Used Mobile Banking Services  
Mobile Banking Service  
No. of Respondents  
Respondents %  
Bkash  
Nagad  
Rocket  
Upay  
155  
32  
26  
3
78.7  
16.2  
13.3  
1.5  
Other  
8
4
Mobile Banking Service  
1.5  
13.3  
4
16.2  
78.8  
Bkash  
Nagad  
Rocket  
Upay  
Other  
Fig 4.4: Most Used Mobile Banking Services  
Interpretation: BKash leads due to brand trust, widespread agent networks, and promotional offers. Rocket and  
others have targeted consumer. Nagad has been trying to catch Baksh for a while.  
The fragmented mobile banking landscape presents a golden opportunity for apparel entrepreneurs to optimize  
sales and operations through smart payment strategies. By offering multi-platform payment options, businesses  
can capture the entire MFS market - from bKash's dominant 78.7% user base to Nagad's growing 16.2%  
adoption.  
Frequency of Usage  
Table 4.5: Frequency of Usage  
Frequency of Usage  
Always  
Often  
Sometimes  
Rarely  
Never  
No. of Respondents  
Respondents %  
10.1  
7.1  
60.3  
11.6  
7.6  
20  
14  
126  
23  
15  
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INTERNATIONAL JOURNAL OF RESEARCH AND INNOVATION IN SOCIAL SCIENCE (IJRISS)  
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Frequency of Usage  
Never, 7.6  
Always, 10.1  
Often, 7.1  
Rarely, 11.6  
Sometimes,  
60.3  
Sometimes  
Always  
Often  
Rarely  
Never  
Fig 4.5: Frequency of Usage  
Interpretation: Mobile banking is frequently used but not yet fully replacing cash for all transactions.  
By implementing MFS-exclusive benefits for frequent buyers and hybrid payment options for hesitant  
customers, small businesses can gradually shift more transactions to digital platforms. The data particularly  
highlights the potential to convert the large "sometimes" user segment into regular patrons through strategic  
engagement.  
Reasons for Using Mobile Banking  
Table 4.6: Reasons for Using Mobile Banking  
Reasons  
No. of Respondents  
Respondents %  
Convenience & ease of use 45  
23  
25  
49  
Faster transaction  
49  
Discounts  
offers  
or  
cashback 96  
Safety & security  
Avoiding carrying cash  
58  
41  
29.6  
20.9  
Reasons for Using Mobile Banking  
Avoiding  
carrying cash,  
20.9, 14%  
Convenience &  
ease of use, 23,  
16%  
Safety &  
Faster  
security, 29.6,  
20%  
transaction, 25,  
17%  
Discounts or  
cashback offers,  
49, 33%  
Fig 4.6: Reasons for Using Mobile Banking  
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Interpretation: Incentives play vital role in adoption of MFS. Convenience, faster transaction, being cashless,  
safety & security impacts almost similarly on MFS adoption & usage.  
By tailoring payment experiences to these demonstrated preferences, small apparel businesses can  
simultaneously enhance operational efficiency, build trust, and create competitive advantages in Bangladesh's  
rapidly digitizing fashion market.  
Impact on Customer Satisfaction and Shopping Behavior  
Changes in Shopping Behavior  
Table 4.7: Changes in Shopping Behavior  
Changes in Shopping Behavior  
Yes, I shop more online now  
Yes, I prefer mobile payments over cash  
No significant change  
No. of Respondents  
Respondents %  
67  
70  
67  
34.4  
35.9  
34.4  
Changes in Shopping Behavior  
34.4  
34.4  
35.9  
Yes, I shop more online now  
Yes, I prefer mobile payments over cash  
No significant change  
Fig 4.7: Changes in Shopping Behavior  
Interpretation: Mobile banking encourages online purchases although one-third people still prefer shopping  
offline/physically. This digital-first approach also provides enhanced scalability potential, allowing  
entrepreneurs to manage inventory more efficiently through real-time sales data and automate customer  
interactions via integrated payment systems. The combined effect of these advantages - improved cash flow,  
broader customer acquisition, and operational scalability - creates a powerful foundation for sustainable  
business growth in Bangladesh's increasingly digital apparel market. Critically, these benefits are particularly  
accessible to micro-entrepreneurs and home-based businesses that can implement MFS solutions with minimal  
upfront investment compared to traditional retail models.  
Satisfaction Levels  
Table 4.8: Satisfaction Levels  
Satisfied  
No. of Respondents  
Respondents %  
Very satisfied  
Satisfied  
Neutral  
48  
83  
64  
2
28.4  
42.1  
32.5  
1
Dissatisfied  
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Satisfaction Levels  
Dissatisfied,  
1.2, 1%  
Very  
satisfied,  
28.4, 27%  
Neutral,  
32.5, 31%  
Satisfied,  
42.1, 41%  
Very satisfied  
Satisfied  
Neutral  
Dissatisfied  
Fig 4.8: Satisfaction Levels  
Interpretation: High satisfaction correlates with convenience and security, but network issues and transaction  
delays cause dissatisfaction. The strong 42.1% satisfaction rate with mobile payments demonstrates how  
digital financial services directly fuel business growth for apparel entrepreneurs. This consumer approval  
translates to three strategic advantages: higher customer lifetime value through increased repeat purchases,  
smoother sales processes with reduced payment friction, and stronger appeal to digital-native shoppers who  
prefer cashless transactions. For small businesses, these benefits combine to create a competitive edge in  
Bangladesh's rapidly modernizing apparel market.  
Challenges Faced  
Table 4.9: Challenges Faced  
Challenges Faced  
Payment failure/delay  
Fraud or unauthorized transactions  
High transaction  
Network issues  
None  
No. of Respondents  
Respondents %  
17.3  
6.6  
11.7  
13.7  
52.6  
34  
13  
23  
66  
100  
Challenges Faced  
None, 0  
Network issues,  
13.7  
Payment failure,  
17.3  
High transaction  
fees, 11.7  
Fraud or  
unauthorized  
Payment failure  
High transaction fees  
None  
Fraud or unauthorized transactions  
transactions, 6.6  
Network issues  
Fig 4.9: Challenges Faced  
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Interpretation: Most of the people feels there are no challenges. Yet Infrastructure limitations and security  
concerns hinder full adoption.  
he identified payment challenges - including network issues (13.7%), transaction failures (17.3%), and security  
concerns (6.6%) - present valuable opportunities for apparel entrepreneurs to differentiate their businesses in  
Bangladesh's competitive market.  
Impact of MFS on encouraging customers to buy from self-employed small apparel business  
Preferred Shopping Sources  
Table 4.10: Preferred Shopping Source  
Sources  
No. of Respondents  
Respondents %  
Shopping malls  
Brand outlets  
Local markets  
118  
56  
87  
59.9  
28.4  
44.2  
24.4  
Online  
stores  
(Facebook, 48  
Instagram, Websites)  
Preferred Shopping Sources  
Shopping Malls  
Brand outlets  
Local markets  
24.4  
59.9  
44.2  
28.4  
Online stores (Facebook,  
Instagram, Websites)  
Fig 4.10: Preferred Shopping Sources  
Interpretation: Graph indicates that malls & local markets dominate as preferred shopping location due to  
trustworthiness and direct bargain methods are pivotal in this case. The online stores and brand are catching up  
them by emerging digital commerce trends and strong adoption among brand-conscious consumers. In all  
cases, Mobile banking is widely used in formal retail.  
Small apparel business using MFS  
Table 4.11: small apparel business using MFS  
small apparel business using MFS No. of Respondents  
Respondents %  
Weekly  
3
2
Monthly  
119  
76  
60  
38  
Occasionally  
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Small apparel business using MFS  
We,e0kly, 2  
Occasional  
ly, 38  
Monthly,  
60  
Weekly  
Monthly  
Occasionally  
Fig 4.11: small apparel business using MFS  
Interpretation: This survey highlights how Mobile Financial Services (MFS) is boosting small apparel  
businesses in Bangladesh by enabling convenient digital transactions. Since 60% of customers use MFS  
monthly, it provides steady cash flow for entrepreneurs, reducing reliance on cash handling. The 38%  
occasional users indicate growing trust in digital payments, even for sporadic purchases, while the low 2%  
weekly usage suggests room for growth through targeted promotions. By making transactions faster, safer, and  
more accessible—especially for unbanked customers—MFS empowers small apparel entrepreneurs to expand  
their reach, improve sales, and operate more efficiently in Bangladesh’s digital economy.  
MFS availability encourages small apparel businesses  
Table 4.12: MFS availability encourages small apparel businesses  
MFS availability encourages small No. of Respondents  
apparel businesses  
Respondents %  
I buy less when MFS is available  
I buy less when MFS is available  
I buy slightly more  
0
0
44  
119  
20  
15  
22  
60  
10  
8
I buy significantly more  
I only buy when MFS is available  
MFS availability encourage small apparel  
businesses  
8
22  
10  
I buy less when MFS is available  
60  
I buy slightly more  
I buy significantly more  
Fig 4.12: MFS availability encourages small apparel businesses  
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Interpretation: This survey reveals that Mobile Financial Services (MFS) significantly boosts sales for small  
apparel businesses in Bangladesh. A strong majority (60%) of customers buy slightly more when MFS is  
available, while 10% purchase significantly more, proving that digital payments drive higher spending which  
helps to develop small apparel business. Additionally, 8% exclusively buy when MFS is offered, highlighting  
its role in capturing cashless customers. Although 22% buy less with MFS (possibly due to trust issues or  
transaction fees), none (0%) completely avoid it, confirming its broad acceptance.  
For small apparel entrepreneurs, MFS expands customer reach, increases sales volume, and ensures secure  
transactions, reducing cash dependency. By integrating MFS, businesses can attract digital-first buyers,  
encourage impulse purchases, and improve financial inclusion, making it a vital tool for growth in  
Bangladesh’s evolving digital economy.  
RESULTS  
This study highlights how mobile banking is transforming Bangladesh's clothing sector, with bKash leading  
adoption due to its convenience and reliability. Younger consumers (18-25 years) are driving this shift,  
increasingly preferring digital payments over cash. Most importantly, MFS is proving to be a powerful enabler  
for small apparel entrepreneurs. The study found that:  
Firstly, increased Purchases: Customers reported buying “significantly more" from small businesses when  
MFS is available, as it simplifies transactions and builds trust.  
Secondly, market Expansion: Small entrepreneurs leveraging social media (Facebook/Instagram) and MFS can  
tap into broader customer bases, including younger, tech-savvy demographics.  
Thirdly, financial Inclusion: MFS provides home-based and small-scale apparel businesses—often excluded  
from formal banking—with tools to manage cash flow, receive payments instantly, and reinvest in growth. To  
sustain this progress, targeted interventions are needed:  
Infrastructure Improvements: Addressing network issues and transaction delays to boost rural adoption.  
Security Enhancements: Combating fraud risks to strengthen consumer and entrepreneur confidence.  
Entrepreneur Training: Educating small businesses on leveraging MFS features (e.g., discounts,  
seamless integrations) to attract and retain customers.  
CONCLUSIONS  
In conclusion, mobile financial services are not only modernizing Bangladesh’s clothing retail sector but  
also empowering small apparel entrepreneurs to thrive in a digital economy. By addressing existing challenges,  
stakeholders can unlock further potential for inclusive and sustainable growth. Further research could also  
examine the role of government policies and emerging technologies, such as AI-powered financial tools, in  
supporting micro-entrepreneurs. These efforts would provide deeper insights into optimizing MFS for small  
business growth.  
REFERENCES  
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2. Islam, M. T., Rahman, M. S., & Kabir, M. N. (2022). Digital payment systems and their impact on  
Bangladesh's apparel sector. International Journal of Financial Innovation, 8(3), 112-128.  
3. Rahman, S., & Islam, A. (2021). The role of mobile financial services in transforming consumer  
behavior: Evidence from Bangladesh. Journal of Fintech and Economic Development, 5(1), 78-95.  
4. Ahmed, S., & Hasan, M. (2022). Digital Payments and Consumer Trust in Emerging Markets. Journal  
of Retailing and Consumer Services, 15(3), 45-60.  
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Appendix  
Title: The Influence of Mobile Financial Service–Driven Consumer Engagement on the Growth of Small  
Apparel Entrepreneurship in Bangladesh  
Dear Respondent,  
This survey aims to understand how customers use mobile banking for clothing purchases. Your responses will  
remain confidential and will only be used for research purposes.  
Section 1: General Information  
1.  
o
o
o
o
What is your age group?  
Below 18  
18 – 25  
26 – 35  
36 – 45  
o
46 and above  
2.  
What is your gender?  
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o
o
o
Male  
Female  
Other  
Section 2: Mobile Banking Adoption & Usage  
3.  
Do you use mobile banking services for payments?  
o
Yes  
o
No  
4.  
Which mobile banking service do you use most for clothing purchases?  
o
o
o
o
bKash  
Nagad  
Rocket  
Upay  
o
Other (Please specify) ____________  
5.  
How often do you use mobile banking to buy clothing?  
o
o
o
o
o
Always  
Often  
Sometimes  
Rarely  
Never  
6.  
What are your main reasons for using mobile banking for clothing purchases? (Select all that  
apply)  
o
o
o
o
o
o
Convenience & ease of use  
Faster transactions  
Discounts or cashback offers  
Safety & security  
Avoiding carrying cash  
Other (Please specify) ____________  
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Section 3: Impact on Shopping Behavior & Satisfaction  
7.  
o
Has mobile banking changed your shopping behavior for clothing?  
Yes, I shop more online now  
o
Yes, I prefer mobile payments over cash  
o
No significant change  
8.  
How satisfied are you with mobile banking services for clothing purchases?  
o
o
o
o
o
Very satisfied  
Satisfied  
Neutral  
Dissatisfied  
Very dissatisfied  
9.  
Have you ever faced any issues while using mobile banking for clothing purchases? (Select all that  
apply)  
Payment failure/delay  
Fraud or unauthorized transactions  
High transaction fees  
Network issues  
None  
10.  
If yes, what payment method do you prefer for clothing purchases?  
Mobile banking (bKash, Nagad, Rocket, etc.)  
Cash on delivery  
Debit/Credit card  
Bank transfer  
Section 4: Impact of MFS on encouraging customers to buy from self-employed small apparel business  
11.  
o
Where do you usually shop for clothing? (Select all that apply)  
Shopping malls  
Brand outlets  
o
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INTERNATIONAL JOURNAL OF RESEARCH AND INNOVATION IN SOCIAL SCIENCE (IJRISS)  
ISSN No. 2454-6186 | DOI: 10.47772/IJRISS | Volume IX Issue XII December 2025  
o
Local markets  
o
Online stores (Facebook, Instagram, websites)  
12.  
How do you often buy from small apparel business using MFS?( Online sellers, resellers, home  
boutiques)  
o
o
o
Weekly  
Monthly  
Occasionally  
13.  
Does MFS availability encourage you to buy more from small apparel businesses?  
o
o
o
o
o
I buy less when MFS is available  
No change in my buying  
I buy slightly more  
I buy significantly more  
I only buy when MFS is available  
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