Our Blogs

Read our latest blogs to get the latest updates and news.

From Architect of Nepal’s Open Economy to Alzheimer’s Struggle: The Rise, Influence and Controversy of Dr. Ram Sharan Mahat
Top

3 min read

From Architect of Nepal’s Open Economy to Alzheimer’s Struggle: The Rise, Influence and Controversy of Dr. Ram Sharan Mahat

From Architect of Nepal’s Open Economy to Alzheimer’s Struggle: The Rise, Influence and Controversy of Dr. Ram Sharan Mahat When Nepal entered a new democratic era after the 1990 People’s Movement (2046 BS), Girija Prasad Koirala—then a towering political personality—was preparing to lead the first democratic government. Although highly influential politically, Koirala was not known for economic expertise. In search of a capable economist who could design Nepal’s new economic framework, he initially approached Sukdev Shah, an economist based in the United States. According to political accounts, Koirala offered him the position of Finance Minister. But when Shah asked, “How much salary does a finance minister earn?”, Koirala reportedly became upset and hung up the phone—a revealing anecdote that has become part of Nepal’s political folklore.

Dipesh Ghimire

·

8 Dec, 2025

Foreign Investment Commitments Rise Sharply, but GenZ Movement Casts New Doubts Over Nepal’s Investment Climate
Foreign Investment

3 min read

Foreign Investment Commitments Rise Sharply, but GenZ Movement Casts New Doubts Over Nepal’s Investment Climate

Foreign Investment Commitments Rise Sharply, but GenZ Movement Casts New Doubts Over Nepal’s Investment Climate Nepal has seen noticeable improvement in foreign investment commitments in recent years, with the past three months alone attracting more than Rs 35 billion in pledged inflows. However, the momentum has been clouded by the recent GenZ movement, which has shaken investor confidence and reignited concerns about safety, political stability and the overall business environment. While headline numbers appear encouraging, the underlying sentiment among investors has become increasingly cautious.

Dipesh Ghimire

·

8 Dec, 2025

Latest Blogs

Read our latest blogs

From Architect of Nepal’s Open Economy to Alzheimer’s Struggle: The Rise, Influence and Controversy of Dr. Ram Sharan Mahat
Top

3 min read

From Architect of Nepal’s Open Economy to Alzheimer’s Struggle: The Rise, Influence and Controversy of Dr. Ram Sharan Mahat

From Architect of Nepal’s Open Economy to Alzheimer’s Struggle: The Rise, Influence and Controversy of Dr. Ram Sharan Mahat When Nepal entered a new democratic era after the 1990 People’s Movement (2046 BS), Girija Prasad Koirala—then a towering political personality—was preparing to lead the first democratic government. Although highly influential politically, Koirala was not known for economic expertise. In search of a capable economist who could design Nepal’s new economic framework, he initially approached Sukdev Shah, an economist based in the United States. According to political accounts, Koirala offered him the position of Finance Minister. But when Shah asked, “How much salary does a finance minister earn?”, Koirala reportedly became upset and hung up the phone—a revealing anecdote that has become part of Nepal’s political folklore.

Dipesh Ghimire

·

8 Dec, 2025

Foreign Investment Commitments Rise Sharply, but GenZ Movement Casts New Doubts Over Nepal’s Investment Climate
Foreign Investment

3 min read

Foreign Investment Commitments Rise Sharply, but GenZ Movement Casts New Doubts Over Nepal’s Investment Climate

Foreign Investment Commitments Rise Sharply, but GenZ Movement Casts New Doubts Over Nepal’s Investment Climate Nepal has seen noticeable improvement in foreign investment commitments in recent years, with the past three months alone attracting more than Rs 35 billion in pledged inflows. However, the momentum has been clouded by the recent GenZ movement, which has shaken investor confidence and reignited concerns about safety, political stability and the overall business environment. While headline numbers appear encouraging, the underlying sentiment among investors has become increasingly cautious.

Dipesh Ghimire

·

8 Dec, 2025

Government Fails to Meet Revenue Targets Again, Raising Fears of Inability to Cover Daily Expenditures
Top

3 min read

Government Fails to Meet Revenue Targets Again, Raising Fears of Inability to Cover Daily Expenditures

Government Fails to Meet Revenue Targets Again, Raising Fears of Inability to Cover Daily Expenditures Nepal’s revenue crisis has deepened further, with the government once again failing to collect revenue as targeted. Officials and economists warn that this shortfall may soon make it difficult for the state to even sustain its daily administrative expenses. The latest revenue performance indicates that the government’s fiscal machinery is weakening at a time when public expectations and expenditure commitments are at historic highs.

Dipesh Ghimire

·

8 Dec, 2025

Government Funds Hold Over Rs 40 Billion as Mismanagement Risks Emerge: Study Calls for Urgent Reform
Top

3 min read

Government Funds Hold Over Rs 40 Billion as Mismanagement Risks Emerge: Study Calls for Urgent Reform

Government Funds Hold Over Rs 40 Billion as Mismanagement Risks Emerge: Study Calls for Urgent Reform A government study has uncovered that more than Rs 40 billion remains parked across ten different employee-related funds managed by public institutions—raising concerns about financial discipline, transparency, and future liabilities. These funds, originally created to cover retirement, medical benefits, gratuity, and risk protection for employees, have grown into massive reserves, but the absence of centralized oversight has now become a matter of national financial debate. A government study has uncovered that more than Rs 40 billion remains parked across ten different employee-related funds managed by public institutions—raising concerns about financial discipline, transparency, and future liabilities. These funds, originally created to cover retirement, medical benefits, gratuity, and risk protection for employees, have grown into massive reserves, but the absence of centralized oversight has now become a matter of national financial debate.

Dipesh Ghimire

·

8 Dec, 2025

Nepal’s Economy Faces Growing Risks After GenZ Protests; Private Sector Seeks Stability and State Assurance
Top

2 min read

Nepal’s Economy Faces Growing Risks After GenZ Protests; Private Sector Seeks Stability and State Assurance

Nepal’s Economy Faces Growing Risks After GenZ Protests; Private Sector Seeks Stability and State Assurance Nepal’s already fragile economy has begun to show deeper fault lines in the aftermath of the GenZ movement, with private-sector leaders warning that the environment for investment has turned increasingly uncertain. Foreign investors, who had been gradually exploring opportunities in Nepal, now appear hesitant, signalling that it may take significant time before confidence is restored. At the domestic level, businesses say the government must step forward with clear support, protection and a credible roadmap to safeguard economic stability.

Dipesh Ghimire

·

8 Dec, 2025

Why Wealthy People Think Differently: Five Mindset Shifts That Transform How Money Works
Top

4 min read

Why Wealthy People Think Differently: Five Mindset Shifts That Transform How Money Works

Why Wealthy People Think Differently: Five Mindset Shifts That Transform How Money Works Across the world, people often blame a lack of money for holding them back from their dreams. But financial mentors argue that the truth lies elsewhere: money generally follows vision, not the other way around. Those who accumulate wealth tend to build it by aligning their purpose, skills and value with the needs of the marketplace. A deeper look at their habits reveals five fundamental principles that the wealthy embrace—principles that most people never consider. These ideas, experts say, explain why some individuals rise financially while others remain stuck in the same cycle for years.

Dipesh Ghimire

·

6 Dec, 2025

Neo Banks Poised to Transform Nepal’s Digital Economy, but Regulatory and Security Challenges Remain
Top

3 min read

Neo Banks Poised to Transform Nepal’s Digital Economy, but Regulatory and Security Challenges Remain

Neo Banks Poised to Transform Nepal’s Digital Economy, but Regulatory and Security Challenges Remain As Nepal accelerates toward a cashless future, a new generation of financial institutions—known as Neo Banks—is emerging as a potential game changer. Built entirely on digital platforms and operated through mobile applications, these virtual banks aim to deliver low-cost, user-friendly services that traditional brick-and-mortar banks have struggled to provide. Experts say Neo Banks could play a pivotal role in expanding financial inclusion and reshaping Nepal’s banking landscape, provided that regulation, cybersecurity, and public trust evolve at the same pace.

Dipesh Ghimire

·

6 Dec, 2025

Citizen Investment Trust Expands Clarity on Citizen Pension Scheme as Public Interest Rises
Top

3 min read

Citizen Investment Trust Expands Clarity on Citizen Pension Scheme as Public Interest Rises

Citizen Investment Trust Expands Clarity on Citizen Pension Scheme as Public Interest Rises As the number of Nepalis seeking long-term financial security continues to grow, the Citizen Investment Trust (CIT) has issued a detailed set of frequently asked questions (FAQs) to clarify key aspects of the Citizen Pension Scheme, 2076—a contributory retirement program designed to ensure a stable income for citizens in old age. Officials say the scheme has witnessed rising participation, particularly among workers outside formal pension systems. According to CIT, any Nepali citizen can join the scheme by filling out the KYC form provided by the Trust and obtaining a pension account number. The process has also been digitized, allowing applicants to open their accounts online through the official website. This move, officials say, is expected to ease enrollment for Nepalis living both inside and outside the country.

Dipesh Ghimire

·

6 Dec, 2025

Understanding the Habit Loop: How Everyday Actions Shape Our Lives
the Habit

4 min read

Understanding the Habit Loop: How Everyday Actions Shape Our Lives

Understanding the Habit Loop: How Everyday Actions Shape Our Lives In modern life, personal success, health, happiness, and even our identity are deeply rooted in the habits we repeat each day. Whether a person becomes physically fit or struggles with poor health, whether one feels fulfilled or unhappy, or whether one achieves professional success or falls behind—the underlying driver is the same: habits. What individuals think, how they act, the routines they follow, and the behaviors they repeat ultimately shape the life they lead. Yet, while most people desire change, few understand the scientific mechanism that governs habit formation. A widely accepted behavioral framework—now popularized through scientific literature and the bestselling book Atomic Habits—explains how habits function through a simple four-step cycle: cue, craving, response, and reward. Understanding this loop, experts say, is essential not only for building good habits but also for eliminating harmful ones.

Dipesh Ghimire

·

6 Dec, 2025

Life Insurers Increase Investments by 16.56% in First Quarter Amid Declining Interest Rates
Top

3 min read

Life Insurers Increase Investments by 16.56% in First Quarter Amid Declining Interest Rates

Life Insurers Increase Investments by 16.56% in First Quarter Amid Declining Interest Rates Investment by Nepal’s life insurance companies grew significantly in the first quarter of the current fiscal year 2082/83, even as falling interest rates continue to pressure their earnings. According to regulatory data, the total investment of 14 life insurers reached Rs 7 Kharba 89 Arba 82 Crore 82 Lakh, marking a 16.56% rise compared to the same period last fiscal year. In the first quarter of 2081/82, the sector’s investment stood at Rs 6 Kharba 77 Arba 59 Crore 23 Lakh.

Dipesh Ghimire

·

6 Dec, 2025

Trending Blogs

Explore trending blogs

From Architect of Nepal’s Open Economy to Alzheimer’s Struggle: The Rise, Influence and Controversy of Dr. Ram Sharan Mahat
Top

3 min read

From Architect of Nepal’s Open Economy to Alzheimer’s Struggle: The Rise, Influence and Controversy of Dr. Ram Sharan Mahat

From Architect of Nepal’s Open Economy to Alzheimer’s Struggle: The Rise, Influence and Controversy of Dr. Ram Sharan Mahat When Nepal entered a new democratic era after the 1990 People’s Movement (2046 BS), Girija Prasad Koirala—then a towering political personality—was preparing to lead the first democratic government. Although highly influential politically, Koirala was not known for economic expertise. In search of a capable economist who could design Nepal’s new economic framework, he initially approached Sukdev Shah, an economist based in the United States. According to political accounts, Koirala offered him the position of Finance Minister. But when Shah asked, “How much salary does a finance minister earn?”, Koirala reportedly became upset and hung up the phone—a revealing anecdote that has become part of Nepal’s political folklore.

Dipesh Ghimire

·

8 Dec, 2025

Foreign Investment Commitments Rise Sharply, but GenZ Movement Casts New Doubts Over Nepal’s Investment Climate
Foreign Investment

3 min read

Foreign Investment Commitments Rise Sharply, but GenZ Movement Casts New Doubts Over Nepal’s Investment Climate

Foreign Investment Commitments Rise Sharply, but GenZ Movement Casts New Doubts Over Nepal’s Investment Climate Nepal has seen noticeable improvement in foreign investment commitments in recent years, with the past three months alone attracting more than Rs 35 billion in pledged inflows. However, the momentum has been clouded by the recent GenZ movement, which has shaken investor confidence and reignited concerns about safety, political stability and the overall business environment. While headline numbers appear encouraging, the underlying sentiment among investors has become increasingly cautious.

Dipesh Ghimire

·

8 Dec, 2025

Government Fails to Meet Revenue Targets Again, Raising Fears of Inability to Cover Daily Expenditures
Top

3 min read

Government Fails to Meet Revenue Targets Again, Raising Fears of Inability to Cover Daily Expenditures

Government Fails to Meet Revenue Targets Again, Raising Fears of Inability to Cover Daily Expenditures Nepal’s revenue crisis has deepened further, with the government once again failing to collect revenue as targeted. Officials and economists warn that this shortfall may soon make it difficult for the state to even sustain its daily administrative expenses. The latest revenue performance indicates that the government’s fiscal machinery is weakening at a time when public expectations and expenditure commitments are at historic highs.

Dipesh Ghimire

·

8 Dec, 2025

Government Funds Hold Over Rs 40 Billion as Mismanagement Risks Emerge: Study Calls for Urgent Reform
Top

3 min read

Government Funds Hold Over Rs 40 Billion as Mismanagement Risks Emerge: Study Calls for Urgent Reform

Government Funds Hold Over Rs 40 Billion as Mismanagement Risks Emerge: Study Calls for Urgent Reform A government study has uncovered that more than Rs 40 billion remains parked across ten different employee-related funds managed by public institutions—raising concerns about financial discipline, transparency, and future liabilities. These funds, originally created to cover retirement, medical benefits, gratuity, and risk protection for employees, have grown into massive reserves, but the absence of centralized oversight has now become a matter of national financial debate. A government study has uncovered that more than Rs 40 billion remains parked across ten different employee-related funds managed by public institutions—raising concerns about financial discipline, transparency, and future liabilities. These funds, originally created to cover retirement, medical benefits, gratuity, and risk protection for employees, have grown into massive reserves, but the absence of centralized oversight has now become a matter of national financial debate.

Dipesh Ghimire

·

8 Dec, 2025

Nepal’s Economy Faces Growing Risks After GenZ Protests; Private Sector Seeks Stability and State Assurance
Top

2 min read

Nepal’s Economy Faces Growing Risks After GenZ Protests; Private Sector Seeks Stability and State Assurance

Nepal’s Economy Faces Growing Risks After GenZ Protests; Private Sector Seeks Stability and State Assurance Nepal’s already fragile economy has begun to show deeper fault lines in the aftermath of the GenZ movement, with private-sector leaders warning that the environment for investment has turned increasingly uncertain. Foreign investors, who had been gradually exploring opportunities in Nepal, now appear hesitant, signalling that it may take significant time before confidence is restored. At the domestic level, businesses say the government must step forward with clear support, protection and a credible roadmap to safeguard economic stability.

Dipesh Ghimire

·

8 Dec, 2025

Why Wealthy People Think Differently: Five Mindset Shifts That Transform How Money Works
Top

4 min read

Why Wealthy People Think Differently: Five Mindset Shifts That Transform How Money Works

Why Wealthy People Think Differently: Five Mindset Shifts That Transform How Money Works Across the world, people often blame a lack of money for holding them back from their dreams. But financial mentors argue that the truth lies elsewhere: money generally follows vision, not the other way around. Those who accumulate wealth tend to build it by aligning their purpose, skills and value with the needs of the marketplace. A deeper look at their habits reveals five fundamental principles that the wealthy embrace—principles that most people never consider. These ideas, experts say, explain why some individuals rise financially while others remain stuck in the same cycle for years.

Dipesh Ghimire

·

6 Dec, 2025

Neo Banks Poised to Transform Nepal’s Digital Economy, but Regulatory and Security Challenges Remain
Top

3 min read

Neo Banks Poised to Transform Nepal’s Digital Economy, but Regulatory and Security Challenges Remain

Neo Banks Poised to Transform Nepal’s Digital Economy, but Regulatory and Security Challenges Remain As Nepal accelerates toward a cashless future, a new generation of financial institutions—known as Neo Banks—is emerging as a potential game changer. Built entirely on digital platforms and operated through mobile applications, these virtual banks aim to deliver low-cost, user-friendly services that traditional brick-and-mortar banks have struggled to provide. Experts say Neo Banks could play a pivotal role in expanding financial inclusion and reshaping Nepal’s banking landscape, provided that regulation, cybersecurity, and public trust evolve at the same pace.

Dipesh Ghimire

·

6 Dec, 2025

Citizen Investment Trust Expands Clarity on Citizen Pension Scheme as Public Interest Rises
Top

3 min read

Citizen Investment Trust Expands Clarity on Citizen Pension Scheme as Public Interest Rises

Citizen Investment Trust Expands Clarity on Citizen Pension Scheme as Public Interest Rises As the number of Nepalis seeking long-term financial security continues to grow, the Citizen Investment Trust (CIT) has issued a detailed set of frequently asked questions (FAQs) to clarify key aspects of the Citizen Pension Scheme, 2076—a contributory retirement program designed to ensure a stable income for citizens in old age. Officials say the scheme has witnessed rising participation, particularly among workers outside formal pension systems. According to CIT, any Nepali citizen can join the scheme by filling out the KYC form provided by the Trust and obtaining a pension account number. The process has also been digitized, allowing applicants to open their accounts online through the official website. This move, officials say, is expected to ease enrollment for Nepalis living both inside and outside the country.

Dipesh Ghimire

·

6 Dec, 2025

Understanding the Habit Loop: How Everyday Actions Shape Our Lives
the Habit

4 min read

Understanding the Habit Loop: How Everyday Actions Shape Our Lives

Understanding the Habit Loop: How Everyday Actions Shape Our Lives In modern life, personal success, health, happiness, and even our identity are deeply rooted in the habits we repeat each day. Whether a person becomes physically fit or struggles with poor health, whether one feels fulfilled or unhappy, or whether one achieves professional success or falls behind—the underlying driver is the same: habits. What individuals think, how they act, the routines they follow, and the behaviors they repeat ultimately shape the life they lead. Yet, while most people desire change, few understand the scientific mechanism that governs habit formation. A widely accepted behavioral framework—now popularized through scientific literature and the bestselling book Atomic Habits—explains how habits function through a simple four-step cycle: cue, craving, response, and reward. Understanding this loop, experts say, is essential not only for building good habits but also for eliminating harmful ones.

Dipesh Ghimire

·

6 Dec, 2025

Life Insurers Increase Investments by 16.56% in First Quarter Amid Declining Interest Rates
Top

3 min read

Life Insurers Increase Investments by 16.56% in First Quarter Amid Declining Interest Rates

Life Insurers Increase Investments by 16.56% in First Quarter Amid Declining Interest Rates Investment by Nepal’s life insurance companies grew significantly in the first quarter of the current fiscal year 2082/83, even as falling interest rates continue to pressure their earnings. According to regulatory data, the total investment of 14 life insurers reached Rs 7 Kharba 89 Arba 82 Crore 82 Lakh, marking a 16.56% rise compared to the same period last fiscal year. In the first quarter of 2081/82, the sector’s investment stood at Rs 6 Kharba 77 Arba 59 Crore 23 Lakh.

Dipesh Ghimire

·

6 Dec, 2025

More Blogs

Explore more blogs

From Architect of Nepal’s Open Economy to Alzheimer’s Struggle: The Rise, Influence and Controversy of Dr. Ram Sharan Mahat

Dipesh Ghimire

·

8 Dec, 2025

From Architect of Nepal’s Open Economy to Alzheimer’s Struggle: The Rise, Influence and Controversy of Dr. Ram Sharan Mahat

From Architect of Nepal’s Open Economy to Alzheimer’s Struggle: The Rise, Influence and Controversy of Dr. Ram Sharan Mahat When Nepal entered a new democratic era after the 1990 People’s Movement (2046 BS), Girija Prasad Koirala—then a towering political personality—was preparing to lead the first democratic government. Although highly influential politically, Koirala was not known for economic expertise. In search of a capable economist who could design Nepal’s new economic framework, he initially approached Sukdev Shah, an economist based in the United States. According to political accounts, Koirala offered him the position of Finance Minister. But when Shah asked, “How much salary does a finance minister earn?”, Koirala reportedly became upset and hung up the phone—a revealing anecdote that has become part of Nepal’s political folklore.

Top

3 min read

Foreign Investment Commitments Rise Sharply, but GenZ Movement Casts New Doubts Over Nepal’s Investment Climate

Dipesh Ghimire

·

8 Dec, 2025

Foreign Investment Commitments Rise Sharply, but GenZ Movement Casts New Doubts Over Nepal’s Investment Climate

Foreign Investment Commitments Rise Sharply, but GenZ Movement Casts New Doubts Over Nepal’s Investment Climate Nepal has seen noticeable improvement in foreign investment commitments in recent years, with the past three months alone attracting more than Rs 35 billion in pledged inflows. However, the momentum has been clouded by the recent GenZ movement, which has shaken investor confidence and reignited concerns about safety, political stability and the overall business environment. While headline numbers appear encouraging, the underlying sentiment among investors has become increasingly cautious.

Foreign Investment

3 min read

Government Fails to Meet Revenue Targets Again, Raising Fears of Inability to Cover Daily Expenditures

Dipesh Ghimire

·

8 Dec, 2025

Government Fails to Meet Revenue Targets Again, Raising Fears of Inability to Cover Daily Expenditures

Government Fails to Meet Revenue Targets Again, Raising Fears of Inability to Cover Daily Expenditures Nepal’s revenue crisis has deepened further, with the government once again failing to collect revenue as targeted. Officials and economists warn that this shortfall may soon make it difficult for the state to even sustain its daily administrative expenses. The latest revenue performance indicates that the government’s fiscal machinery is weakening at a time when public expectations and expenditure commitments are at historic highs.

Top

3 min read

Government Funds Hold Over Rs 40 Billion as Mismanagement Risks Emerge: Study Calls for Urgent Reform

Dipesh Ghimire

·

8 Dec, 2025

Government Funds Hold Over Rs 40 Billion as Mismanagement Risks Emerge: Study Calls for Urgent Reform

Government Funds Hold Over Rs 40 Billion as Mismanagement Risks Emerge: Study Calls for Urgent Reform A government study has uncovered that more than Rs 40 billion remains parked across ten different employee-related funds managed by public institutions—raising concerns about financial discipline, transparency, and future liabilities. These funds, originally created to cover retirement, medical benefits, gratuity, and risk protection for employees, have grown into massive reserves, but the absence of centralized oversight has now become a matter of national financial debate. A government study has uncovered that more than Rs 40 billion remains parked across ten different employee-related funds managed by public institutions—raising concerns about financial discipline, transparency, and future liabilities. These funds, originally created to cover retirement, medical benefits, gratuity, and risk protection for employees, have grown into massive reserves, but the absence of centralized oversight has now become a matter of national financial debate.

Top

3 min read

Nepal’s Economy Faces Growing Risks After GenZ Protests; Private Sector Seeks Stability and State Assurance

Dipesh Ghimire

·

8 Dec, 2025

Nepal’s Economy Faces Growing Risks After GenZ Protests; Private Sector Seeks Stability and State Assurance

Nepal’s Economy Faces Growing Risks After GenZ Protests; Private Sector Seeks Stability and State Assurance Nepal’s already fragile economy has begun to show deeper fault lines in the aftermath of the GenZ movement, with private-sector leaders warning that the environment for investment has turned increasingly uncertain. Foreign investors, who had been gradually exploring opportunities in Nepal, now appear hesitant, signalling that it may take significant time before confidence is restored. At the domestic level, businesses say the government must step forward with clear support, protection and a credible roadmap to safeguard economic stability.

Top

2 min read

Why Wealthy People Think Differently: Five Mindset Shifts That Transform How Money Works

Dipesh Ghimire

·

6 Dec, 2025

Why Wealthy People Think Differently: Five Mindset Shifts That Transform How Money Works

Why Wealthy People Think Differently: Five Mindset Shifts That Transform How Money Works Across the world, people often blame a lack of money for holding them back from their dreams. But financial mentors argue that the truth lies elsewhere: money generally follows vision, not the other way around. Those who accumulate wealth tend to build it by aligning their purpose, skills and value with the needs of the marketplace. A deeper look at their habits reveals five fundamental principles that the wealthy embrace—principles that most people never consider. These ideas, experts say, explain why some individuals rise financially while others remain stuck in the same cycle for years.

Top

4 min read

Neo Banks Poised to Transform Nepal’s Digital Economy, but Regulatory and Security Challenges Remain

Dipesh Ghimire

·

6 Dec, 2025

Neo Banks Poised to Transform Nepal’s Digital Economy, but Regulatory and Security Challenges Remain

Neo Banks Poised to Transform Nepal’s Digital Economy, but Regulatory and Security Challenges Remain As Nepal accelerates toward a cashless future, a new generation of financial institutions—known as Neo Banks—is emerging as a potential game changer. Built entirely on digital platforms and operated through mobile applications, these virtual banks aim to deliver low-cost, user-friendly services that traditional brick-and-mortar banks have struggled to provide. Experts say Neo Banks could play a pivotal role in expanding financial inclusion and reshaping Nepal’s banking landscape, provided that regulation, cybersecurity, and public trust evolve at the same pace.

Top

3 min read

Citizen Investment Trust Expands Clarity on Citizen Pension Scheme as Public Interest Rises

Dipesh Ghimire

·

6 Dec, 2025

Citizen Investment Trust Expands Clarity on Citizen Pension Scheme as Public Interest Rises

Citizen Investment Trust Expands Clarity on Citizen Pension Scheme as Public Interest Rises As the number of Nepalis seeking long-term financial security continues to grow, the Citizen Investment Trust (CIT) has issued a detailed set of frequently asked questions (FAQs) to clarify key aspects of the Citizen Pension Scheme, 2076—a contributory retirement program designed to ensure a stable income for citizens in old age. Officials say the scheme has witnessed rising participation, particularly among workers outside formal pension systems. According to CIT, any Nepali citizen can join the scheme by filling out the KYC form provided by the Trust and obtaining a pension account number. The process has also been digitized, allowing applicants to open their accounts online through the official website. This move, officials say, is expected to ease enrollment for Nepalis living both inside and outside the country.

Top

3 min read

Understanding the Habit Loop: How Everyday Actions Shape Our Lives

Dipesh Ghimire

·

6 Dec, 2025

Understanding the Habit Loop: How Everyday Actions Shape Our Lives

Understanding the Habit Loop: How Everyday Actions Shape Our Lives In modern life, personal success, health, happiness, and even our identity are deeply rooted in the habits we repeat each day. Whether a person becomes physically fit or struggles with poor health, whether one feels fulfilled or unhappy, or whether one achieves professional success or falls behind—the underlying driver is the same: habits. What individuals think, how they act, the routines they follow, and the behaviors they repeat ultimately shape the life they lead. Yet, while most people desire change, few understand the scientific mechanism that governs habit formation. A widely accepted behavioral framework—now popularized through scientific literature and the bestselling book Atomic Habits—explains how habits function through a simple four-step cycle: cue, craving, response, and reward. Understanding this loop, experts say, is essential not only for building good habits but also for eliminating harmful ones.

the Habit

4 min read

Life Insurers Increase Investments by 16.56% in First Quarter Amid Declining Interest Rates

Dipesh Ghimire

·

6 Dec, 2025

Life Insurers Increase Investments by 16.56% in First Quarter Amid Declining Interest Rates

Life Insurers Increase Investments by 16.56% in First Quarter Amid Declining Interest Rates Investment by Nepal’s life insurance companies grew significantly in the first quarter of the current fiscal year 2082/83, even as falling interest rates continue to pressure their earnings. According to regulatory data, the total investment of 14 life insurers reached Rs 7 Kharba 89 Arba 82 Crore 82 Lakh, marking a 16.56% rise compared to the same period last fiscal year. In the first quarter of 2081/82, the sector’s investment stood at Rs 6 Kharba 77 Arba 59 Crore 23 Lakh.

Top

3 min read