Shift Forward, Bhutan
BDS Internship 2026
Business
Report
Cryptocurrency Readiness in Bhutan
Prepared by: Kinzang Choden
Programme: 3rd Year Business Intelligence
Organisation: Bhutan Data Scientists Pvt. Ltd
Year: 2026
DRUKSHIFT · BHUTAN DATA SCIENTISTS PVT. LTD · 2026
CONFIDENTIAL
Table of Contents
Business Report — DrukShift Internship Project 2026
01
Executive Summary
Overview of the project, objectives and core outcome
3
02
Business Problem
Why this project was needed and who it serves
3
03
Project Overview
Survey design, data cleaning and readiness score methodology
4
04
Data Visualisation
12 Tableau charts built and published to Tableau Public
5
05
GNH Alignment
Mapping crypto readiness across 6 GNH domains
6
06
Readiness Over Time
Generational analysis using age groups as proxy for time
7
07
Scam Vulnerability Analysis
Who is most at risk and why
7
08
Web Integration
DrukShift website built and published on GitHub Pages
8
09
5 Solutions
Targeted recommendations based on data findings
9
10
Tools and Technologies
All tools used throughout the project
9
11
Data Limitations
Honest assessment of data constraints
10
12
Conclusion
Summary and next steps
10
Executive Summary

DrukShift is a survey-based data analysis project that measures cryptocurrency readiness among Bhutanese adults. Developed as part of the BDS Internship 2026 at Bhutan Data Scientists Pvt. Ltd, the project answers one critical question — are people in Bhutan actually ready to adopt cryptocurrency?

The project analyzed 113 valid survey responses across urban, semi-urban, rural and overseas respondents. The data was cleaned using Python, visualized in Tableau with 12 interactive charts, aligned with Bhutan's GNH values, and published as a live interactive website on GitHub Pages.

Readiness Score
12.75
Average out of 16 — 80% ready
Respondents
113
Valid survey responses analyzed
Visualizations
12+
Interactive Tableau charts built
Story Angles
4
GNH, Readiness, Scam, Solutions

"Crypto readiness in Bhutan is not just a technology question — it is a GNH question."

Business Problem

Bhutan is moving toward digital financial growth, but no one has clearly measured whether residents are actually ready to use cryptocurrency. Without this information, businesses and the government may invest in crypto solutions that people are not prepared or confident enough to use.

This project solves that by collecting real data and turning it into actionable business insights for four key stakeholders:

Stakeholder What They Need
Government & PolicymakersReal public data to build practical crypto regulations
Banks & Financial InstitutionsUnderstand when and how to introduce crypto products
Small Business OwnersKnow customer readiness before accepting crypto payments
Smart City DevelopersPlan financially inclusive digital economies from day one
Project Overview
3.1 Survey Design

A structured online survey was designed and distributed to Bhutanese adults aged 18 and above. The survey collected responses across 20 questions covering digital payment habits, crypto awareness, understanding, trust, security concerns, barriers and adoption willingness.

ItemDetails
Total Responses Collected115
Valid Responses Used113 — 2 removed (under 18 and missing age)
Distribution MethodOnline survey
Geographic CoverageUrban, Semi-Urban, Rural and Overseas
Dominant GroupUrban respondents — 67% of total
3.2 Data Cleaning

Raw survey data was cleaned using Python and Pandas. The process included removing invalid responses, standardizing column names, converting Likert scale responses to numerical values, and carefully reversing scale directions where strongly agree represented a positive outcome.

3.3 Readiness Score Methodology

A composite Readiness Score was calculated by combining four key survey questions with a maximum possible score of 16.

QuestionMeasuresMax Score
Q13 Digital FamiliarityEducation and digital access4
Q15 Crypto UnderstandingKnowledge of cryptocurrency4
Q18 Feel ReadyPersonal confidence level5
Q19 Would Adopt CryptoWillingness to adopt3
TotalOverall Crypto Readiness16

The resulting average readiness score across all 113 respondents was 12.75 out of 16 — equivalent to approximately 80% readiness overall.

Data Visualisation

An interactive Tableau dashboard was built with 12+ visualizations covering all key dimensions of the survey data. The dashboard was published to Tableau Public and embedded on the DrukShift project website.

Sheet NameWhat It Shows
Total Response113 total valid respondents
Age GroupRespondents by age group and area
Area Distribution by MapGeographic spread of respondents
Payment FrequencyDigital payment frequency habits
Crypto AwarenessPercentage who have heard of crypto
Crypto UnderstandingLevel of crypto knowledge
Crypto AdoptionWillingness to adopt crypto
Top BarriersMain barriers to adoption
Support NeededWhat kind of help people need
Readiness Score by AreaScore by age group and area
Bhutan ReadinessHow ready Bhutan is perceived to be
GNH AlignmentReadiness mapped to GNH domains

All charts are published at: public.tableau.com/views/Tableaucryptoreadiness/Story1

GNH Alignment Story published at: public.tableau.com/views/Tableaucryptoreadiness/Story2

GNH Alignment

What makes this project uniquely Bhutanese is its alignment with Gross National Happiness values. While most countries measure crypto readiness through financial and technical indicators alone, this project maps readiness across six GNH domains — showing that cryptocurrency adoption is fundamentally a human and happiness question, not just a technology question.

🎓
Education
Q15 — 18-24 score 3.14/4 but 55+ score only 1.83/4. Clear education gap across generations.
🏠
Living Standards
Q13 — Most respondents are familiar with digital tools showing improving financial access.
🧠
Psychological Wellbeing
Q10 + Q12 — 45-54 age group shows highest security concern. Fear is a real barrier.
🏛️
Governance
Q17 — Training programs and government support are the most requested forms of help.
🤝
Community Vitality
Q14 + Q19 — 96% aware but urban communities dominate adoption willingness.
Time Use
Payment Frequency — Urban residents use digital payments most. Crypto is the natural next step.

"In Bhutan, any new technology must earn its place — not just by being innovative, but by being good for our people."

Readiness Over Time

Since the survey was conducted once in 2026, age groups are used as a generational proxy for time. Younger age groups represent where Bhutan is going. Older age groups represent where it has come from. Together they tell a powerful story of how readiness evolves across generations.

Age GroupAvg Readiness ScoreInterpretation
18-2413.27 / 16Above average — strong foundation
25-3413.74 / 16Highest score — peak readiness generation
35-4411.57 / 16Below average — needs targeted support
45-5411.18 / 16Below average — education gap growing
55+7.83 / 16Lowest score — urgent support needed
Scam Vulnerability

High crypto awareness does not mean high crypto safety. The most dangerous situation is when someone is willing to adopt but does not understand the risks. The data identifies three groups most vulnerable to scams in Bhutan.

GroupWhy VulnerableRisk Level
35-44 age groupHighest trust (4.1/5) AND lowest security concern (1.0/5)HIGH
55+ age groupHigh trust but very low awareness of scam risksHIGH
Rural communitiesZero security concern scores across most age groupsMODERATE

"Zero security concern does not mean safe — it means completely unaware. And unaware people are exactly who scammers target."

Web Integration

The project findings were published as a live interactive website using HTML, CSS and JavaScript. The website is hosted on GitHub Pages and publicly accessible to anyone with the link.

FeatureDetails
Website URLkinzang7066.github.io/Cryptocurrency_Readiness_In_Bhutan
Technology UsedHTML, CSS, JavaScript
Hosting PlatformGitHub Pages — free and publicly accessible
GNH Story ButtonOpens dedicated GNH alignment story in full screen popup
Readiness Story ButtonOpens readiness over time story in full screen popup
Solutions Section5 solution cards with interactive Tableau story button
Mobile ResponsiveFully optimized for phones and tablets
About SectionPersonal introduction and project context
Website Structure
5 Solutions
1

🎓 Close the Education Gap

Run targeted crypto literacy programs for 35-54 and 55+ age groups through workshops and community programs in local languages.

2

🌐 Fix Internet Infrastructure First

Expand reliable and affordable internet to rural and semi-urban areas before pushing crypto adoption. Connectivity is a prerequisite — not a luxury.

3

🛡️ Protect Vulnerable Groups from Scams

Launch dedicated scam awareness campaigns targeting 35-44 and 55+ who have high trust but low security awareness.

4

🏛️ Government Must Lead on Governance

Create clear cryptocurrency regulations and consumer protection laws. Strong government leadership is the most powerful accelerator of adoption in Bhutan.

5

🤝 Start With Communities

Encourage local shops and small businesses to accept crypto payments. When communities see crypto working safely in real life — adoption becomes natural.

Tools & Technologies
🐍
Python + Pandas
Data cleaning
📊
Tableau Public
Visualization
🌐
HTML + CSS + JS
Website
🐙
GitHub Pages
Hosting
💻
VS Code
Code editor
📝
Google Forms
Survey collection
Data Limitations
Conclusion

Bhutan shows promising cryptocurrency readiness that aligns naturally with GNH values. With an average readiness score of 12.75 out of 16, Bhutan is approximately 80% ready for digital finance adoption. The foundation is strong — awareness is high, digital payment habits are growing, and willingness to adopt exists across all age groups.

The remaining 20% is not a technology gap — it is a human gap. It represents the education gap, the infrastructure gap, the trust gap and the vulnerability gap. These are not insurmountable problems — they are solvable ones. With the right investment in education, infrastructure, regulation and community adoption, Bhutan can lead the region in responsible and GNH-aligned cryptocurrency adoption.

"The question is no longer whether Bhutan is ready for crypto. The question is whether we are ready to make crypto ready for Bhutan."

DrukShift 🇧🇹
SHIFT FORWARD, BHUTAN
Kinzang Choden · BDS Internship 2026 · Bhutan Data Scientists Pvt. Ltd