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Bhutan · 2026 Insight

Banking insights &
Scope in Bhutan

A solution-focused website built on real banking customer challenges in Bhutan.

111 respondents 6 banks included 4 key factors Hema Luitel · BDS Intern · GCBS Student

Kuzu Zangpo!

The story behind this platform

Where did all my money go?

A college student's frustration that became a mission.

Hello, I'm Hema Luitel. Before you explore this website, I'd like to share the story behind why I created it. Ngul Yoen was not built simply as an internship project: It was not just built as a project, but as a solution to a real problem I personally faced as a banking customer and student. ...

When I first started college, managing my finances was much harder than I expected. No matter how careful I tried to be, my account balance seemed to disappear quickly, and I had little understanding of where my money was actually going. The mini statements provided by banks showed very limited information, while full bank statements were often too lengthy and difficult to interpret.

At the same time, I faced another challenge: choosing the right bank.
Like many students and young professionals, I didn't know which bank would best suit my needs. There were several banks to choose from, each offering different services, but it was difficult to compare them and understand which one aligned with my preferences. Even the bank I was using lacked some of the features I wished it had, such as better spending insights, budgeting tools, and personalized financial guidance.

At that time, I wished there was a simple tool where I could upload my bank statement and instantly receive clear insights into my expenses, helping me understand my financial behaviour and make smarter decisions.

That experience stayed with me. Later, when I started this internship at Bhutan Data Scientists Pvt. Ltd. as a data practitioner, I was asked to choose a domain of interest. I immediately remembered this struggle. So, I chose banking and personal finance because I had personally experienced these challenges. Moreover, I was curious about others too:
How do other students manage their money?
What factors influence people's choice of banks?
Are they satisfied with their banking services?
And most importantly - can these problems be solved?

I began exploring real customer experiences, analysing banking choices, identifying common challenges and studied the services offered by different banks. Through this journey, I discovered that many people struggle with similar issues like I did: lack of clarity, poor banking knowledge, and limited tools to make informed decisions.

That's when I decided to build this platform, Ngul Yoen: designed to act as a personal financial companion that helps users compare banks, stay informed about banking services, gain insights from their bank statements, and make smarter financial decisions with confidence. Most importantly, it aims to guide people like me, those who are unsure which bank best fits their needs and who want banking services that truly match their financial goals and lifestyle.

What started as my personal problem has now become a solution I hope can help many others navigate their financial journey with greater clarity, confidence, and control.

Thank you for visiting, and I hope Ngul Yoen helps you make better banking and financial decisions
The problem
No visibility into personal spending habits
The question
How do others manage their banking needs?
The mission
Build a tool that actually helps people
HL
Hema Luitel
Creator & Developer · GCBS Student · BDS Intern

Explore the insights

Reports, findings and more

About the project

The reason behind the project, website context, and the goals of this banking insight.

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About me

Hema Luitel - data practitioner intern and creator of Ngul Yoen.

Learn more →

Report & findings

Full insights and findings drawn from 111 survey respondents across Bhutan.

View report →

Explore the solutions

Be financially informed

Banking Insights

Key information, services, and digital offerings across Bhutan's banking sector.

Explore banks →

FinSight

Upload your bank statement and get AI-powered automatic expense categorisation.

Try FinSight →

mBOB Prototype

Story-based prototype proposing four smart financial features for mBOB.

View prototype →

Try it yourself

Interactive experiences

Bank finder quiz

Answer 5 questions about your banking needs and get a personalised bank recommendation.

Start quiz →

Do You Know?

Test your knowledge of Bhutan's 6 commercial banks: services, history, and digital facts.

Take quiz →
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NY

The project – Ngul Yoen

What it is, why it was built, and what it covers

Ngul Yoen: ngul (money) and yoen (scope) in Dzongkha, is a student project that analyses what drives banking choices in Bhutan. It studies four core factors: trust, service quality, accessibility, and ease of use, across 6 banks and 111 respondents, turning raw survey data into insights and tools that help customers make better financial decisions.

What's on this platform
Report & FindingsFinding report, 8 key findings, charts, and Tableau dashboard
Banking InsightsExplore all 6 major banks: services, apps, loans
mBOB Prototype4 proposed smart features for the mBOB mobile app
FinSight AnalyzerAI-powered bank statement expense categoriser
Bank Finder QuizFive questions that provide a personalised bank recommendation
Do You Know QuizQuiz to check knowledge on Bhutan's 6 major banks
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About me

The person behind Ngul Yoen

HL
Hema Luitel 3rd-year · Business Intelligence (Financial Engineering) · Gedu College of Business Studies

During this internship period (Dec 2025 - Jun 2026) I was in my third year at GCBS, studying a Bachelor's degree in Business Intelligence with a major in Financial Engineering, where data analysis, business strategy, and technology meet. This project was my chance to apply that blend to a real-world problem: understanding how and why Bhutanese banking customers choose their banks.

Internship timeline
Dec 2025: Joined Bhutan Data Scientists Pvt. Ltd.Role: Data Practitioner · managing, analysing, and leveraging data to solve real-world problems
Jan - Mar 2026: Survey design, data collection & analysis111 respondents · Google Forms · Google Sheets · Tableau
Apr - Jun 2026: Platform & prototype developmentBuilt Ngul Yoen, mBOB prototype, and FinSight analyzer
Jun 2026: Internship completionSix-month programme · Bhutan Data Scientists Pvt. Ltd., Olakha, Thimphu
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Bhutan Data Scientists

Host organisation & internship provider

Bhutan Data Scientists Pvt. Ltd. is a Thimphu-based data science company offering local survey, sensor, and analytics services, led by pioneering data scientist Troy Sadkowsky. BDS provided the structured environment where this entire project, from survey design to this platform, was built and mentored.

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