B-READY 2025 delivers a powerful signal. Nepal scores 72% in Financial Services — the highest among all assessed topics. This is not accidental. Nepal has built a modern financial architecture: ✅ Strong secured transactions law ✅ Functional collateral registry ✅ Online credit bureau with scoring ✅ Robust e-KYC / AML framework ✅ Fast, low-cost digital payments ✅ Clear consumer protection and PSP interoperability On paper, Nepal’s financial system is well-designed and globally aligned. But here’s the paradox. When firms describe their real experience: ⏳ 41 days to obtain a loan 🚫 32% don’t apply due to procedures, collateral, or interest barriers 💳 Only 23% of sales are received electronically 💸 Only 10% of payments are made electronically 📉 39% cite access to finance as a major constraint The system exists. But the market doesn’t fully feel it. The challenge is no longer regulation. It is execution. Banks remain collateral-heavy and process-driven. Businesses remain cash-heavy and digitally underutilized. Digital rails exist — but adoption remains shallow. This is not a Financial Sector 1.0 issue. This is Financial Services Reform 2.0: From building frameworks → to activating them. From compliance → to customer experience. From infrastructure → to real inclusion. Nepal’s foundation is strong. The next transformation will not come from new laws, but from better processes, smarter risk culture, and deeper digital adoption. The architecture is built. Now it must work — in real life. World Bank Policy Indicators How Business ready is Nepal?