<figure><img src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221110121140/636ce39e9c7e80680e096663jpeg.jpg" alt="" width="810" height="476"/><figcaption></figcaption></figure>There are an estimated 4 million digital wallet users in Nepal now. They have graduated from ATM debit/credit cards to e-banking and mobile banking to the M-wallet movement.A smartphone with a mobile number with Internet access is the only tool one needs to make payments quickly and conveniently.If you have not jumped on the <a href="https://www.nepalitimes.com/banner/nepals-budding-e-commerce-ecosystem/" target="_blank" rel="noopener noreferrer">mobile wallet</a> bandwagon already, or if you have dipped your toes but want to know more before diving into the digital payment lifestyle, here is a quick recap of the top five e-wallet platforms in Nepal.eSewaNepal’s first online payment gateway (outside of e-banking) was launched in 2009 and has grown to become the top choice when it comes to mobile wallets. <a href="https://esewa.com.np/#/home" target="_blank" rel="noopener noreferrer">eSewa</a> got the first player advantage in the fintech sector, having accumulated more partners and built many tie-ups so that users can treat it as a true one-stop-shop for regular payments.Water, electricity, TV and other utility bills, school fees, movie tickets, flight or bus tickets, insurance premium payments, important fees to be paid to goverment bodies, or mobile balance top-ups, <a href="https://play.google.com/store/apps/details?id=com.f1soft.esewa&amp;hl=en&amp;gl=US" target="_blank" rel="noopener noreferrer">eSewa</a> is the go-to app for it all. Transferring funds from one user to another is just a few finger taps away, making it easy for Nepalis to lend or borrow money, casually purchase inexpensive goods and even help family and friends financially. To ensure cyber safety, eSewa has enabled biometric security (fingerprint verification) as well as MPin and password features. That said, the app does store its users’ personal data to regularly enable transactions, as do all such apps.KhaltiFast-forward to 2017, <a href="https://khalti.com/" target="_blank" rel="noopener noreferrer">Khalti</a> gives eSewa a run for its money, as it were: quickly rising to become Nepal’s second most-preferred e-wallet, thanks to a strong, creative technical team, Khalti set the new standard of a digital payment app with a smooth, simple UI/UX along with a web application to match.<a style="font-size: 15px; letter-spacing: 0.01em;" href="https://play.google.com/store/apps/details?id=com.khalti&amp;hl=en&amp;gl=US" target="_blank" rel="noopener noreferrer">Khalti</a> is a step ahead with easy onboarding of new merchant accounts, a real-time dashboard and automated reports, salary distribution and other e-banking options for companies, easy website integration for e-commerce sites, and innovatively pitching itself as a marketing strategy for lesser known businesses that need online visibility.Having tied up with over 40 banks, Khalti is no small fish and is in the market for the long haul. Besides being convenient and offering the same services as eSewa (or similar features), Khalti makes itself known for being not only customer-friendly, but business-friendly to boot.IME Pay<a style="font-size: 15px; letter-spacing: 0.01em;" href="https://play.google.com/store/apps/details?id=com.khalti&amp;hl=en&amp;gl=US" target="_blank" rel="noopener noreferrer">IME Pay</a> is a relatively new player in the digital wallet market, but being associated with one of the biggest remittance companies, IME Remittance, it is not minor. IME started late but caught up fast by launching aggressive, widespread marketing campaigns across media and brand-building tactics like sponsoring major Nepali TV shows that receive thousands of viewers every day. With attractive cashback offers and a strong sales network, IME Pay is catching up with the rest.However, a lack of transparency and information for customers along with occasional technical issues confirm that <a href="https://play.google.com/store/apps/details?id=com.swifttechnology.imepay&amp;hl=en&amp;gl=US" target="_blank" rel="noopener noreferrer">IME Pay</a> has some ways to go. This is a classic case proving a key business lesson: investing time and effort in consistent product development and improvement is more valuable for long-term loyalty than spending on marketing and dramatically increasing sales.PrabhuPayA fintech platform that is a subsidiary product of the corporate giant Prabhu Group, comes with its perks. <a href="https://prabhupay.com/" target="_blank" rel="noopener noreferrer">PrabhuPay</a> lets users pay various utility bills as well as transfer funds within the PrabhuPay network. The app is simple and easy to use, but customers have mentioned issues with KYC form updating, lack of partnerships with popular banks and the much-missed feature of peer-to-peer money transfer that other mobile wallets offer by default.Following the footsteps of IME Pay, PrabhuPay smartly partnered with ‘The Voice of Nepal’ to become the official voting and payment partner boosted its popularity and brand status. With a few upgrades on the mobile app, bug and glitch fixing, and a significant push in tie-ups with partners, <a href="https://play.google.com/store/apps/details?id=com.prabhutech.prabhupay&amp;hl=en&amp;gl=US" target="_blank" rel="noopener noreferrer">PrabhuPay</a> can keep up with its competition.With other digital wallet platforms entering the scene, such as <a href="http://www.qpay.com.np/" target="_blank" rel="noopener noreferrer">QPay</a>, a promising entrant that entices users with high cashback offers, and <a href="https://ipay.com.np/" target="_blank" rel="noopener noreferrer">iPay</a>, a Muncha.com product that is best suited to online shoppers: Nepal’s fintech sector is moving at a rapid pace.The <a href="https://www.nepalitimes.com/here-now/nepal-goes-online-shopping-in-2020/" target="_blank" rel="noopener noreferrer">Covid-19 crisis catapulted this trend</a>, with users forced to use digital payment methods for necessary money transfers during the lockdown in 2020. With smartphones becoming increasingly affordable, widespread Internet penetration across the country, thanks to mobile data services, and the younger generation rooting for a cashless economy, urban Nepal has quickly moved from a cash-dependent economy to become digitally savvy.However, lack of education and literacy also implies lack of digital literacy. Besides, banking fees and lack of access to banks are major reasons why the less developed rural and semi-rural areas of Nepal are far from ready for <a href="https://www.nepalitimes.com/here-now/nepal-e-shopping-booms-under-covid-19/" target="_blank" rel="noopener noreferrer">digital payment systems</a>. The Nepal government is working towards digital adoption by digitising government transactions (online tax payment options), launching the National Payment Gateway, and establishing many products like ConnectIPS, ConnectRGTS and Electronic Cheque Clearing (ECC).But nationwide restrictions imposing a one-time transaction limit of Rs5,000, daily limit of Rs10,000 and monthly limit of Rs50,000 force the masses to heavily depend on physical cash and cheque payments. With digital literacy awareness, initiation for new users from the private players themselves and incentive-based strategies built for disadvantaged people, Nepal’s fintech market can grow.The future is here. We know a healthy digital economy can be corruption-free, convenient and empowering for Nepalis across all income strata.Saniaa Shah writes this fortnightly column, Tech-Away for Nepali Times.

Saniaa Shah

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Nepal’s e-conomy rapidly goes digital

<figure><img width="1500" height="1000" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221110111124/636cd1589c7e80680e08f8aajpeg.jpg" alt=""/><figcaption>Photo: BIKRAM RAI</figcaption></figure>The number of Nepalis on the internet has increased dramatically during the pandemic, with high-speed mobile connectivity accounting for 59% of the total internet users, new figures by the Nepal Telecommunications Authority (NTA) this week show. Some 96% of Nepali households own mobile phones, and the proportion of smartphones with data rose rapidly during the pandemic in 2020.Some 24 million Nepalis, which is 80% of the 2011 population, currently use fixed broadband and mobile internet to browse the internet.While a majority of mobile users have 3G internet, 4G is rising fast as telecom companies encourage users to buy the service through affordable packages. <a href="https://www.nepalitimes.com/here-now/coronavirus-and-the-world-wide-web/">Coronavirus and the World Wide Web</a>, Sonia Awale <img width="652" height="195" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221110111124/636cd15b9c7e80680e08f8abjpeg.jpg" alt="">Three telecommunications companies provide 4G Internet services in Nepal: Nepal Telecom, Ncell, and Smart Telecom. Some 6.3 million mobile users currently have access to 4G services— 2.04 million Nepal Telecom users, 4.08 million through Ncell, and 199,000 who are on Smart Telecom. Meanwhile, 5.2 million users have fixed cable and wireless broadband, with 4.8 million among them using wireless services.There are currently 127 registered internet service providers in Nepal, out of which only 40 companies have active users—only six among them are main players in Nepal’s internet market. WorldLink is the biggest service provider in the country with 422,000 active customers.Nepal Telecom, which provides internet services to 900,000 users across the country, has the WiMax Wi-Fi service, ADSL internet, as well as its recent Fibre to the Home (FTTH)—which includes voice, mobile data, and IPTV package. FTTH has already reached 300,000 users.  Nepal’s internet market has long been hampered by high prices, technological limitations and unreliable connectivity even as Nepalis have rapidly built an extensive virtual presence during the pandemic.<a href="https://www.nepalitimes.com/latest/why-internet-speed-is-slower-and-slower/">Why Internet speed is slower and slower</a>, Raju BanskotaThe bandwidth is often too narrow to support heavy traffic in Nepal’s international gateway and local networks. The cross-border connections are through underground fibre optic cable that connects ISPs to India’s Airtel and Tata. As it is, internet consumption <a href="https://www.nepalitimes.com/latest/nepal-internet-use-increases-by-35-during-lockdown/" target="_blank" rel="noopener noreferrer" data-saferedirecturl="https://www.google.com/url?q=https://www.nepalitimes.com/latest/nepal-internet-use-increases-by-35-during-lockdown/&amp;source=gmail&amp;ust=1610004563798000&amp;usg=AFQjCNHxHgaWOdEqAhm6ySiaBpUH8Er9JQ">went up 35%</a> during the first four months of the lockdown as Nepalis shifted their social and professional lives—education, employment, and entertainment—online.Nepal’s baby steps towards distance learning <a href="https://www.nepalitimes.com/banner/lockdown-gives-distance-learning-a-boost-in-nepal/" target="_blank" rel="noopener noreferrer" data-saferedirecturl="https://www.google.com/url?q=https://www.nepalitimes.com/banner/lockdown-gives-distance-learning-a-boost-in-nepal/&amp;source=gmail&amp;ust=1610004563798000&amp;usg=AFQjCNGAbxPMbhNEBChMeNCbaXIAegzzvQ">got a boost</a> as the lockdown replaced schools with virtual classes. But the pandemic also brought to light the glaring digital divide despite widespread mobile connectivity even as it was aided by digital education packages from Nepal Telecom and Ncell.Meanwhile, Nepal’s fledgling <a href="https://www.nepalitimes.com/here-now/nepal-goes-online-shopping-in-2020/" target="_blank" rel="noopener noreferrer" data-saferedirecturl="https://www.google.com/url?q=https://www.nepalitimes.com/here-now/nepal-goes-online-shopping-in-2020/&amp;source=gmail&amp;ust=1610004563798000&amp;usg=AFQjCNEY_idLUU4BYvEylGqhgBRCKaaCAA">e-commerce</a> industry is taking flight as safety concerns and convenience drive internet users to buy and sell online. The pandemic has made Nepalis health-conscious and tech-savvy, with sales of healthy food, fitness and gadgets on the rise. Nepal has also seen an upsurge in digital payments as more and more people use e-wallets to conduct transactions.Nepali internet users, already increasingly <a href="https://www.nepalitimes.com/banner/mobile-nepal-is-hooked-on-youtube/" target="_blank" rel="noopener noreferrer" data-saferedirecturl="https://www.google.com/url?q=https://www.nepalitimes.com/banner/mobile-nepal-is-hooked-on-youtube/&amp;source=gmail&amp;ust=1610004563798000&amp;usg=AFQjCNGmpTmfKbt4d5NqnmFATePQW8cS9g">hooked on YouTube</a>, sought greener pastures on relatively newer social media like TikTok during the lockdown, helped by special offers from telecom companies. The <a href="https://www.nepalitimes.com/here-now/huge-uptick-in-tiktok-during-nepal-lockdown/" target="_blank" rel="noopener noreferrer" data-saferedirecturl="https://www.google.com/url?q=https://www.nepalitimes.com/here-now/huge-uptick-in-tiktok-during-nepal-lockdown/&amp;source=gmail&amp;ust=1610004563798000&amp;usg=AFQjCNENH4WdP1GmnpxO4mqlytuRHXmoVQ">TikTok boom</a>, which now takes up 25% of the bandwidth in Nepal, saw netizens making use of the short-form-video application as a creative and professional outlet.<a href="https://www.nepalitimes.com/banner/how-nepals-media-landscape-is-being-transformed/">Nepal’s changing media landscape</a>, Sharecast Initiative

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Covid-19 aids Nepal’s net spread

<figure><img width="1500" height="900" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221109181156/636be9ea9c7e80680e0878eajpeg.jpg" alt=""/><figcaption>Actress Shilpa Maskey in Maya Handicrafts Jewelry's Asarfi mala necklace and Former Miss Nepal Shrinkhala Khatiwada promoting her own line of Glambisque palette. Photos: MAYA HANDICRAFTS JEWELRY and GLAMBISQUE INSTAGRAM</figcaption></figure>Staff at <a href="https://mayahjewelry.com/" target="_blank" rel="noopener noreferrer">Maya Handicrafts Jewelry</a> in Thamel, are busy these days managing delivery for handmade silver jewellery ordered by customers in Kathmandu, Butwal, Pokhara, Dharan, as well as from outside Nepal. The store has seen its <a href="https://www.nepalitimes.com/here-now/nepal-e-shopping-booms-under-covid-19/">online sales peak</a> despite the pandemic, making for up to 70% of total transactions. Encouraged by their success, the owners opened Nakkali, to sell gold-plated jewellery. Up to 90% sales are currently conducted through digital platforms. “Nepalis now have an easy access to online shopping because of increased Internet connectivity. This, coupled with better online service has translated into healthy digital sales. The pandemic has only accelerated the growth,” says Samir Shakya of Maya Handicrafts. Following the Covid-19 lockdown, <a href="https://www.instagram.com/glambisque/?hl=en" target="_blank" rel="noopener noreferrer">Glambisque</a>, an up-and-coming Nepali cosmetics brand, shut down its stores in Lazimpat and Labim Mall. Since then, the two-year-old company has been operating only online. The sales have been more or less the same, but 100% driven by <a href="https://www.nepalitimes.com/banner/nepals-budding-e-commerce-ecosystem/" target="_blank" rel="noopener noreferrer">digital transactions</a>. “At this rate we won’t even need to have physical stores anymore when things get back to normal,” says Shalini Rana of Glambisque. “<a href="https://www.nepalitimes.com/here-now/daraz-finds-nepalis-still-shy-to-shop-online/">People weren’t comfortable</a> with online shopping in the past. Lockdowns and safety protocols however forced them to try it out. And upon finding that it’s reliable and convenient, they have now gotten used to it.” Small and medium businesses like Maya Handicrafts Jewelry and Glambisque use social media sites like Instagram and Facebook, to market their products. Increasingly, more companies are also using e-commerce platforms like Daraz and Sastodeal to advertise their goods. Payments are usually made via e-wallets (e-Sewa, Khalti, IME pay) or by cash on delivery. Goods are either home delivered or couriered if clients are outside Kathmandu.  <figure><img width="1000" height="667" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221109181156/636be9ee9c7e80680e0878ebjpeg.jpg" alt=""><figcaption> </figcaption></figure>“Nepal was already transitioning to e-commerce and digital market, but the pandemic sped up the process and provided a much-needed boost,” explains digital marketer, Saniaa Shah.  “Even so, businesses with a hybrid presence are ahead of the others. Also, certain categories such as healthy food, fitness and gadgets which are directly on the rise due to the pandemic are more popular,” she adds.   Many people turned to organic produce and super foods during the pandemic, with the hope of building immunity against coronavirus. The inclination towards a healthy diet and fitness caused online grocery and health stores to thrive.    The increasing need to stay ‘online’ has also had an impact on businesses selling electronic items. People have been upgrading their smartphones and computers for webinars and online classes, which increased business for gadgets and repair shops.  <a href="https://hamrobazaar.com/">Hamrobazaar</a> online classified has seen 40% increase in overall traffic since the pandemic. Categories like computers and laptops and two wheelers — because public transport is now considered unsafe — have the most enquires in this Nepali version of eBay.   Covid-19 seems to have made people health conscious as well as tech savvy.  Bibek Neupane of <a href="https://juasstore.com/" target="_blank" rel="noopener noreferrer">Juas Health Food Store</a> says, “Before the pandemic, people interested in our products used to ask for our physical stores. Now they call us up for home delivery of ayurvedic items like shilajit, and Keto diet ingredients.” Capitalising on the growing online market, former Miss Nepal Anushka Shrestha also recently launched <a href="https://www.facebook.com/makkuse.np/" target="_blank" rel="noopener noreferrer">Makkusé</a>, an online dessert store that specialises in Nepal's authentic and traditional sweets (such as Gundpak and Pustakari) with modern touch.  <figure><img width="739" height="399" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221109181156/636be9f09c7e80680e0878ecjpeg.jpg" alt=""><figcaption> </figcaption></figure>Not all businesses have found the trend towards online shopping as encouraging. Despite demand and overwhelming enquiries, <a href="https://misumicosmetics.com/" target="_blank" rel="noopener noreferrer">Misumi Korean cosmetics</a> in Labim Mall has not been able to stock up because they haven’t been able to import goods due to lockdowns and restrictions. The recently launched online handicraft store, <a href="https://www.durbar-square.com/" target="_blank" rel="noopener noreferrer">Durbar Square</a>, is also still waiting for sales to pick up. Even so, Suresh Shrestha of <a href="https://www.ratnabook.com/" target="_blank" rel="noopener noreferrer">Ratna Books</a> says the shift towards online shopping has other benefits besides a growth in sales. “It has also allowed us to understand the taste of our consumers. This is an invaluable information for better future planning,” he says.  <figure><img width="1000" height="667" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221109181156/636be9f29c7e80680e0878edjpeg.jpg" alt=""><figcaption> </figcaption></figure>Nepal’s proposed Electronic Commerce Bill is expected to standardise online transitions while protecting user data and privacy. It also has provisions for easy return, exchange and refunds, and traders found violating the rules will be fined up to Rs300,000. As per the draft, <a href="http://archive.nepalitimes.com/article/Nepali-Times-Buzz/outdated-laws-limited-ecommerce-hold-back-tech-industry%20,3547">e-commerce</a> businesses will need to be registered with the Company Registrar Office and obtain a licence to operate, which needs to be renewed every year. Despite the entry into Nepal’s online retail market of China’s <a href="https://www.alibaba.com/?src=sem_ggl&amp;cmpgn=407465347&amp;adgrp=26917222987&amp;fditm=&amp;tgt=kwd-40556346123&amp;locintrst=&amp;locphyscl=1011034&amp;mtchtyp=e&amp;ntwrk=g&amp;device=c&amp;dvcmdl=&amp;creative=232561557314&amp;plcmnt=&amp;plcmntcat=&amp;p1=&amp;p2=&amp;aceid=&amp;position=&amp;gclid=EAIaIQobChMI8IPYmonx7QIVCX8rCh0F_g5tEAAYASAAEgKfrvD_BwE">Alibaba</a> through <a href="https://www.nepalitimes.com/business/daraz-launches-stimulus-package-to-promote-e-commerce/">Daraz</a> and India’s <a href="https://www.flipkart.com/">Flipkart</a> via <a href="https://www.sastodeal.com/">Sastodeal</a>, e-commerce is still at a nascent stage. But one of the side effects of Covid-19 is that it is set to grow in the next few years as more people find online shopping safe, convenient and time efficient. “This boom in online shopping is driven by pandemic-induced need. It might be challenging to sustain it, but not if we improve consumers’ online shopping experience,” says Manohar Adhikari of <a href="https://foodmandu.com/" target="_blank" rel="noopener noreferrer">Foodmandu</a>. “Stocking up on quality goods, and improved infrastructure with a reliable street address system would be key in upping the online shopping game," he adds.

Sonia Awale

Nepal goes online shopping in 2020

<figure><img width="1500" height="900" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221109191124/636bf0cf4b0ad905ca02f033jpeg.jpg" alt=""/><figcaption>Actress Shilpa Maskey in Maya Handicrafts Jewelry's Asarfi mala necklace and Former Miss Nepal Shrinkhala Khatiwada promoting her own line of Glambisque palette. Photos: MAYA HANDICRAFTS JEWELRY and GLAMBISQUE INSTAGRAM</figcaption></figure>Staff at <a href="https://mayahjewelry.com/" target="_blank" rel="noopener noreferrer">Maya Handicrafts Jewelry</a> in Thamel, are busy these days managing delivery for handmade silver jewellery ordered by customers in Kathmandu, Butwal, Pokhara, Dharan, as well as from outside Nepal. The store has seen its <a href="https://www.nepalitimes.com/here-now/nepal-e-shopping-booms-under-covid-19/">online sales peak</a> despite the pandemic, making for up to 70% of total transactions. Encouraged by their success, the owners opened Nakkali, to sell gold-plated jewellery. Up to 90% sales are currently conducted through digital platforms. “Nepalis now have an easy access to online shopping because of increased Internet connectivity. This, coupled with better online service has translated into healthy digital sales. The pandemic has only accelerated the growth,” says Samir Shakya of Maya Handicrafts. Following the Covid-19 lockdown, <a href="https://www.instagram.com/glambisque/?hl=en" target="_blank" rel="noopener noreferrer">Glambisque</a>, an up-and-coming Nepali cosmetics brand, shut down its stores in Lazimpat and Labim Mall. Since then, the two-year-old company has been operating only online. The sales have been more or less the same, but 100% driven by <a href="https://www.nepalitimes.com/banner/nepals-budding-e-commerce-ecosystem/" target="_blank" rel="noopener noreferrer">digital transactions</a>. “At this rate we won’t even need to have physical stores anymore when things get back to normal,” says Shalini Rana of Glambisque. “<a href="https://www.nepalitimes.com/here-now/daraz-finds-nepalis-still-shy-to-shop-online/">People weren’t comfortable</a> with online shopping in the past. Lockdowns and safety protocols however forced them to try it out. And upon finding that it’s reliable and convenient, they have now gotten used to it.” Small and medium businesses like Maya Handicrafts Jewelry and Glambisque use social media sites like Instagram and Facebook, to market their products. Increasingly, more companies are also using e-commerce platforms like Daraz and Sastodeal to advertise their goods. Payments are usually made via e-wallets (e-Sewa, Khalti, IME pay) or by cash on delivery. Goods are either home delivered or couriered if clients are outside Kathmandu.  <figure><img width="1000" height="667" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221109191124/636bf0d24b0ad905ca02f034jpeg.jpg" alt=""><figcaption> </figcaption></figure>“Nepal was already transitioning to e-commerce and digital market, but the pandemic sped up the process and provided a much-needed boost,” explains digital marketer, Saniaa Shah.  “Even so, businesses with a hybrid presence are ahead of the others. Also, certain categories such as healthy food, fitness and gadgets which are directly on the rise due to the pandemic are more popular,” she adds.   Many people turned to organic produce and super foods during the pandemic, with the hope of building immunity against coronavirus. The inclination towards a healthy diet and fitness caused online grocery and health stores to thrive.    The increasing need to stay ‘online’ has also had an impact on businesses selling electronic items. People have been upgrading their smartphones and computers for webinars and online classes, which increased business for gadgets and repair shops.  <a href="https://hamrobazaar.com/">Hamrobazaar</a> online classified has seen 40% increase in overall traffic since the pandemic. Categories like computers and laptops and two wheelers — because public transport is now considered unsafe — have the most enquires in this Nepali version of eBay.   Covid-19 seems to have made people health conscious as well as tech savvy.  Bibek Neupane of <a href="https://juasstore.com/" target="_blank" rel="noopener noreferrer">Juas Health Food Store</a> says, “Before the pandemic, people interested in our products used to ask for our physical stores. Now they call us up for home delivery of ayurvedic items like shilajit, and Keto diet ingredients.” Capitalising on the growing online market, former Miss Nepal Anushka Shrestha also recently launched <a href="https://www.facebook.com/makkuse.np/" target="_blank" rel="noopener noreferrer">Makkusé</a>, an online dessert store that specialises in Nepal's authentic and traditional sweets (such as Gundpak and Pustakari) with modern touch.  <figure><img width="739" height="399" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221109191124/636bf0d54b0ad905ca02f035jpeg.jpg" alt=""><figcaption> </figcaption></figure>Not all businesses have found the trend towards online shopping as encouraging. Despite demand and overwhelming enquiries, <a href="https://misumicosmetics.com/" target="_blank" rel="noopener noreferrer">Misumi Korean cosmetics</a> in Labim Mall has not been able to stock up because they haven’t been able to import goods due to lockdowns and restrictions. The recently launched online handicraft store, <a href="https://www.durbar-square.com/" target="_blank" rel="noopener noreferrer">Durbar Square</a>, is also still waiting for sales to pick up. Even so, Suresh Shrestha of <a href="https://www.ratnabook.com/" target="_blank" rel="noopener noreferrer">Ratna Books</a> says the shift towards online shopping has other benefits besides a growth in sales. “It has also allowed us to understand the taste of our consumers. This is an invaluable information for better future planning,” he says.  <figure><img width="1000" height="667" src="https://superdesk-pro-c.s3.amazonaws.com/sd-nepalitimes/20221109191124/636bf0d64b0ad905ca02f036jpeg.jpg" alt=""><figcaption> </figcaption></figure>Nepal’s proposed Electronic Commerce Bill is expected to standardise online transitions while protecting user data and privacy. It also has provisions for easy return, exchange and refunds, and traders found violating the rules will be fined up to Rs300,000. As per the draft, <a href="http://archive.nepalitimes.com/article/Nepali-Times-Buzz/outdated-laws-limited-ecommerce-hold-back-tech-industry%20,3547">e-commerce</a> businesses will need to be registered with the Company Registrar Office and obtain a licence to operate, which needs to be renewed every year. Despite the entry into Nepal’s online retail market of China’s <a href="https://www.alibaba.com/?src=sem_ggl&amp;cmpgn=407465347&amp;adgrp=26917222987&amp;fditm=&amp;tgt=kwd-40556346123&amp;locintrst=&amp;locphyscl=1011034&amp;mtchtyp=e&amp;ntwrk=g&amp;device=c&amp;dvcmdl=&amp;creative=232561557314&amp;plcmnt=&amp;plcmntcat=&amp;p1=&amp;p2=&amp;aceid=&amp;position=&amp;gclid=EAIaIQobChMI8IPYmonx7QIVCX8rCh0F_g5tEAAYASAAEgKfrvD_BwE">Alibaba</a> through <a href="https://www.nepalitimes.com/business/daraz-launches-stimulus-package-to-promote-e-commerce/">Daraz</a> and India’s <a href="https://www.flipkart.com/">Flipkart</a> via <a href="https://www.sastodeal.com/">Sastodeal</a>, e-commerce is still at a nascent stage. But one of the side effects of Covid-19 is that it is set to grow in the next few years as more people find online shopping safe, convenient and time efficient. “This boom in online shopping is driven by pandemic-induced need. It might be challenging to sustain it, but not if we improve consumers’ online shopping experience,” says Manohar Adhikari of <a href="https://foodmandu.com/" target="_blank" rel="noopener noreferrer">Foodmandu</a>. “Stocking up on quality goods, and improved infrastructure with a reliable street address system would be key in upping the online shopping game," he adds.

Nepali Congress (NC) President Gagan Thapa's candidacy in Sarlahi-4 has thrust this Madhes constituency into rare national focus. If Thapa wins and the NC emerges as the largest party, Sarlahi-4 will send Nepal's next prime minister to Parliament. But if he does not, Nepal’s grand old party will face the next years in the opposition to fight another day. There is a troubling paradox in Sarlahi-4 where the district bordering the Indian state of Bihar has been a battleground for national politicians with fierce electoral competition, all while remaining one of the region's most underserved and underdeveloped constituencies.  <figure> <img src="https://publisher-publish.s3.eu-central-1.amazonaws.com/pb-nepalitimes/swp/asv65r/media/20260305140344_069cbbc11e971a851b444866dee57f760c0cc611ed40bdf96c627e343e3c0485.png" data-media-id="editor_0" data-image-id="20260305140344_069cbbc11e971a851b444866dee57f760c0cc611ed40bdf96c627e343e3c0485" data-rendition-name="original" width="1802" height="1276" loading="lazy" alt="Sarlahi-4 voting"> <figcaption>Photo: MADHES PAHARA MEDIA</figcaption> </figure>  Ever since Mahant Thakur split from NC in 2008 to form the Tarai Madhes Loktantrik Party, the district has seen rotating political alliances and fragmented votes. Yet, despite 18 years of candidates promising change irrigation schemes remain incomplete, market access for farmers has not improved, unemployment is high.&nbsp; On election day, voters here marked their ballots with fingers stained by dye from the Holi festival the day before. The road leading to Barathawa Bazar was deserted for the most part, except for some youth riding in motorcycles. This is where the high-profile contest between Gagan Thapa and RSP nominee Amresh Singh is being staged. Among the other aspirants is 27-year-old UML candidate Amnish Yadav, the son of former MP Shiv Pujan Yadav. The Yadavs are a political family with considerable caste influence in the constituency. In 2022 Yadav’s daughter Madhumala Yadav received over 14,000 votes here, ranking third overall. Yadav was voted MP from the Maoist party, but defected to the UML this time. His other son is the chair of Sarlahi’s Ramnagar Rural Municipality. Sarhali-4 has 121,012 voters, and the Yadav is banking on the 27,000-strong Yadav vote bank. Sarlahi-4 voter Avishek Sah told us he wanted his vote to go to a young nominee and not someone who has been MP thrice already, like Amresh Singh. &nbsp;  <figure> <img src="https://publisher-publish.s3.eu-central-1.amazonaws.com/pb-nepalitimes/swp/asv65r/media/20260305140344_527c5c2f9aa6a6c7e3bbdfbfe79fdafb0a0b56a62427e9ced86b924c6c563b10.jpg" data-media-id="editor_1" data-image-id="20260305140344_527c5c2f9aa6a6c7e3bbdfbfe79fdafb0a0b56a62427e9ced86b924c6c563b10" data-rendition-name="original" width="1200" height="1600" loading="lazy" alt="Sarlahi-4 voting"> <figcaption>Photo: AYUSHA CHALISE</figcaption> </figure>  To make local loyalties even more complicated, Amnish Yadav’s uncle, Harinder Yadav is an active NC member and walked side by side with Gagan Thapa during his door-to-door campaigns.&nbsp; The NC is betting on Thapa getting over 60% of the total votes. Amresh Singh’s tally could be limited to 10,000 votes — that too because of the nationwide RSP wave, and the popularity of its prime ministerial hopeful Balendra (Balen) Shah. “Amresh Singh lost his appeal when he played victim after he was denied a ticket by the NC in 2022,” Harinder Yadav says. Voters we spoke to here agreed with this assessment that Singh did not do much for the district once he got elected in the past, and being a part of the RSP seems to be his biggest asset. “The only reason I voted for Amresh Singh is because Balen is in RSP,” local voter Mahendra Gupta from Barathawa. &nbsp;“This is his last chance to return the people’s trust.”&nbsp; Gupta is aware of the institutional presence of the NC here. The party received the most votes in 2022 local elections, adding that the candidacy of someone as high-profile as Thapa is a positive sign for Sarlahi-4.&nbsp; Other voters like Ruby Gupta are rooting for both the NC and the RSP. “I will vote for Gagan and for Balen,” she says, adding that her FPTP vote will go to Thapa while her PR ballot would be for the RSP. RSP supporters are confident that their candidate will win big because even though many voters may not have openly voiced their support they still voted for the party and candidate. The Balen Wave was not limited to RSP voters, but also to UML candidate Yadav, who said in a gathering that he will be “the voters Balen” if they elect him. He touted his party’s track record in government, and largely campaigned on administrative efficiency, infrastructural expansion, and local service delivery. Amresh Singh ran on the RSP’s anti-establishment brand, promising to fight corruption, challenge traditional party politics, improve basic services such as education, health, jobs, and infrastructure, while pushing for stronger representation and development for Madhes.&nbsp;  <figure> <img src="https://publisher-publish.s3.eu-central-1.amazonaws.com/pb-nepalitimes/swp/asv65r/media/20260305140344_982df01801fa7d3532ca0555ecb8a0756e3223be3d93650e08ca82a312dc2ebd.jpg" data-media-id="editor_2" data-image-id="20260305140344_982df01801fa7d3532ca0555ecb8a0756e3223be3d93650e08ca82a312dc2ebd" data-rendition-name="original" width="1600" height="1200" loading="lazy" alt="Sarlahi-4 voting"> <figcaption>Photo:AYUSHA CHALISE</figcaption> </figure>  Singh’s rivalry with his NC competitor goes beyond the ballot— he allegedly blames Thapa for being denied the NC ticket in 2022, which led him to win the election from Sarlahi-4 as an independent. &nbsp; For his part, Gagan Thapa focused on a more pragmatic development agenda that includes upgrading roads and irrigation, improving schools and hospitals, supporting farmers, and creating employment opportunities with improved governance at the centre. He also promised to build an engineering college in the constituency.&nbsp; Thapa also promoted his own anti-establishment image within the NC, repeatedly reminding voters on the campaign trail that he represents the aspirations of the youth.&nbsp; On Thursday, as voting progressed, there were violent disruptions in two centres where voting was briefly halted. But Sarlahi district police spokesperson Saroj Rai told Nepali Times that there were no major problems. Police in collaboration with the Nepal Army sent the ballot papers to the district’s counting stations, where the votes are expected to be tallied through the night and the winner announced Friday morning.

Sarlahi-4 nervously watches ballot count

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Nepal election live results

As this report is uploaded, the latest results in Nepal’s election show that the Rastriya Swatantra Party (RSP) is headed for an even bigger sweep than most had predicted.
The RSP was leading by large margins in 49 of 165 constituencies, &nbsp;with the UML, NC and NCP trailing far behind. Prominent political figures from the old parties like K P Oli, Minwndra Prasad Rijal, Ishwar Pokhrel, Bishnu Prasad Poudel, Bimalendra Nidhi all seem headed for defeat.
It does look like the RSP’s bell election symbol is ringing right across Nepal — from cities to the remotest districts in the mountains and plains. The party’s blue colour is sweeping the land.
The Nepali people seem to have sent a clear message that they were throughly dissatisfied with the chronic failure of the three main parties to work in the national interest to create jobs and deliver development. It was also an expression of lingering outrage over the the 8 September massacre outside Parliament. &nbsp;
It now looks almost certain that Balendra Shah will get to be Nepal’s next, and youngest, prime minister. Hopefully he will be leading a cabinet of competent and honest technocrats. It remains to seen how the power equation between Shah and the RSP’s leader, Rabi Lamichhane will play out.
Lamichhane is out of jail on bail for fraud cases which he has called political vendetta by the previous regime. Both he and Shah are charismatic and ambitious. Their working relationship will determine Nepal's political stability and whether it can avoid the political cronyism of the past.
This election was not just about casting votes. It was about standing up to principles and a value system, and respecting the hopes and aspirations of Nepal’s youth. It to push for transparent government and against impunity — including for the gunning down of young Nepalis in cold blood.
<div class="embed-block"><iframe src="https://election-geo-dashboard.pages.dev/" width="100%" height="600" frameborder="0"> </iframe>Live election results as winners of candidates are announced.</div>
CAN DO MAN
Shah got mixed reviews as mayor. He was impulsive and ad hoc, but most people inKathmandu and beyond liked his can-do attitude and unconventional style which stood in sharp contract to the legacy leaders. Over his three year mayorship he showed more maturity and planning capacity.&nbsp;
But he always ran headlong into opposition from the federal government over his urban planning and other initiatives to make Kathmandu more liveable. Coming from a civil and structural engineering background, he was involved in building low-cost housing after the 2015 earthquake.
But his public persona is more tied to his irreverent rap lyrics that stood up for the marginalised underprivileged in society, while exposing the high-handedness and apathy of the state. But this also exposed contradictions because he also used his own municipal guards to beat and chase away street vendors and squatters.
But there is no doubt that a combination of the sharp messaging in his rap videos amplified by the algorithms of social media ignited Nepal’s youth to rise up. It was more about optics and emotion than policy and strategy.
He studied Kathmandu district for five years, visiting experts in every field before announcing his independent candidacy for mayor in 2022. Many like me in his own constitunecy did not know who he was and where he came from.
He is a year younger than my architect son, and I saw in him a reflection of my own son’s commitment to serving the nation. I voted for him to be mayor despite his sometimes erratic behaviour, which could be attributed to his youth.
The best sign of his strategic planning, which unsettled septuagenarian and octogenarian politicians, is the he did not grab the first easy option of becoming prime minister in September when GenZ activists offered him the post.&nbsp;
Joining RSP was a masterstroke, as was his challenge to Oli in Jhapa to project national branding. He needed a party platform and Lamichhane needed a popular prime ministerial persona since he himself could not hold the post.
Shah has shown the capacity to take risks when he believes the value justifies the action for the country. Now, he will have to show more strategic thinking on a national scale, as well as understand the delicate geopolitics of Nepal.&nbsp;
He must rise above the kind of crude social media posts that earned him followers on X, but did nothing to erase his erratic and impulsive image.&nbsp;
Some assume that behind his trademark RayBan shades is a closet dictator, and his past remarks about Hitler are still up on social media. He has in the past shown impatience with criticism, unleashing supporters on social media to troll detractors.&nbsp;
Even so, the public seems willing to place their hope on an educated young man with integrity and a proven record for planning at the helm. By tomorrow it will be clear whether the hope Nepalis have held has been fulfilled, and the coming years will show if the RSP will lead Nepalis to a better future.
The voters seem to have shown the door even to the NC despite the fact that under Gagan Thapa, the party had turned a new leaf. A strong government under Prime Minister Balendra Shah heading a carefully selected cabinet and a strong opposition of the NC, UML and other parties for check and balance may be just what we need for a stable Nepal.&nbsp;
Nepalis have collectively always shown maturity in elections. This time they have given a resounding endorsement for integrity and for good governance.

Bells ring all over Nepal

After Thursday’s election, Nepalis are in a wait-and-watch mode. The Election Commission says counting ballot papers will be expedited this time, and the results for the First-Past-The-Post (FPTP) will start being declared within days. In 2022, it took three weeks for the final results to be tallied.&nbsp;
But winning an election is only half the challenge for the parties, forming a government under parliamentary politics is like a complicated mathematical equation.&nbsp;
In 2022, the Nepali Congress (NC) emerged as the biggest party, winning 89 seats. But the UML with 78 seats and the Maoists with 32 formed a minority government. In fact, Sher Bahadur Deuba did not become PM then despite leading the biggest party in Parliament.
This time, there is an unmistakeable Rastriya Swatantra Party (RSP) wave led by its prime ministerial candidate, Balendra Shah. Besides his own popularity, Shah represents change which most Nepalis are clamouring for after decades of corrupt and feckless coalitions that did not deliver.&nbsp;
The past months of campaigning has seen massive youth engagement on social media through memes, AI clips, and viral images. Digital content that appeals to emotion rather than policy debate between candidates shape electoral outcomes in Nepal and elsewhere. &nbsp;
Shah represents GenZ aspirations, and was their candidate for prime minister. It was only when he declined that Sushila Karki was nominated. None of the political parties in the recent past -- new, old, or revolutionary — have won enough seats to go it alone.&nbsp;
The most recent majority government was formed by the short-lived Communist Party of Nepal after the UML-Maoist merger in 2022. But that rare two-thirds majority collapsed after a power struggle between K P Oli and Pushpa Kamal Dahal. The only party to have won a majority was the NC in the 1991 and 1999 elections. But it is near impossible for it to repeat this success now, even with Gagan Thapa's rebranding of the party.&nbsp;
We have compiled these possible scenarios for election outcome in order of likelihood:
RSP gets a majority
RSP hits the magic 138 to form a government entirely on its own. Balendra Shah wins Jhapa-5, and becomes the new prime minister at 35, the youngest ever to hold the office in Nepal. But danger lurks: there could be a personality clash between Shah and Lamichhane who are both equally ambitious. History could repeat itself.&nbsp;
RSP wins but does not get a majority
RSP is likely to sweep the most votes, but what if it does not secure enough seats for a majority? It would need a coalition partner and Nepali Communist Party (NCP) under Pushpa Kamal Dahal could fit the bill, but only if it has the numbers. The RSP is not likely to team up with the UML or NC.
The NCP is relatively untainted by the 8 September events, and also has former UML defectors like Madhav Kumar Nepal and Bhim Rawal who could bag their rural vote banks. After all, there are no permanent foes in politics. If the royalist RPP and Tarai-based Janata Samajwadi have enough seats, those could be options for the RSP. &nbsp;
NC is second
The NC under the new leadership of Gagan Thapa could become the second biggest force and form a government with RSP in a power-sharing deal with Shah. This would be the most stable scenario since the RSP and NC have competent and idealistic young technocrats. Thapa himself embodies a strong combination of both old and new politics to navigate the system for more efficient government. But then Thapa and the RSP's Rabi Lamichhane do not get along.
NC and NCP form a majority
If the NC becomes the largest party but not by a big margin, it could join up with the NCP and Ujyalo. Teaming up with the UML would likely face backlash with the party and outside. If Gagan Thapa becomes prime minister he will face internal pressure from both Deuba loyalists. Same old story.
Minority coalition of NC, UML and NCP
RSP becomes the first party but does not get a majority, paving the way for the three legacy parties to cobble together a minority government. While this is possible in Nepal’s parliamentary system, such a scenario is likely to lead to more instability and dissatisfaction among young Nepalis demanding change, and even trigger street unrest. &nbsp;

e-wallet

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Nepal goes online shopping in 2020

Nepal goes online shopping in 2020

Sarlahi-4 nervously watches ballot count

Nepal election live results

Bells ring all over Nepal

The magic 138