Experiences of older adults and widows with the government allowance programmes in rural Bangladesh

The Government of Bangladesh has digitised social safety net programmes to improve enrollment and allowance disbursement, yet the impact on rural beneficiaries remains unclear. This article examines the experiences of older adults and widows in Kurigram based on 68 semi-structured interviews. At the administrative level, beneficiaries reported positive aspects such as support for enrollment and disbursement. However, challenges included delays due to unofficial payment demands, slow disbursement, and difficulties accessing mobile financial service (MFS) accounts. At the individual level, many lacked the knowledge to use their MFS accounts, often needing to share PINs for assistance, and relied on family or community support to receive their allowances. The findings suggest that enhancing local government capabilities may help combat corruption and improve communication. Educational initiatives and community support may boost digital literacy and address gender disparities. Collaboration between the government and MFS providers is essential for timely payments and effective support for beneficiaries.