{"id":2682,"date":"2025-05-14T15:02:16","date_gmt":"2025-05-14T07:02:16","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2682"},"modified":"2025-05-14T15:02:16","modified_gmt":"2025-05-14T07:02:16","slug":"%e4%b8%80%e6%96%87%e8%af%bb%e6%87%82%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e7%8e%b0%e7%8a%b6%e4%b8%8e%e8%b6%8b%e5%8a%bf","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/14\/%e4%b8%80%e6%96%87%e8%af%bb%e6%87%82%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e7%8e%b0%e7%8a%b6%e4%b8%8e%e8%b6%8b%e5%8a%bf\/","title":{"rendered":"Read the status and trends of payments in Pakistan in one article"},"content":{"rendered":"

Status and Trends of Payments in Pakistan: in one article<\/h3>\n

I. Overview of the payments market<\/strong><\/h4>\n
    \n
  1. \n

    cash-led<\/strong><\/p>\n

      \n
    • Cash is still the main payment method, accounting for more than 80%, especially in rural areas and small transactions with absolute dominance.<\/li>\n
    • Reasons: low financial penetration (only 21% of adults have a bank account), lack of trust in digital payments.<\/li>\n<\/ul>\n<\/li>\n
    • \n

      Limited use of bank cards<\/strong><\/p>\n

        \n
      • Debit card issuance is around 36 million (2022) but active utilisation is low; credit card issuance is only around 2 million, concentrated amongst higher income groups.<\/li>\n
      • Insufficient POS terminals (about 80,000 nationwide) and high processing fees.<\/li>\n<\/ul>\n<\/li>\n
      • \n

        Mobile wallets explode in growth<\/strong><\/p>\n

          \n
        • JazzCash, EasyPaisa and other mainstream e-wallets have a combined user base of over 50 million (2023), covering scenarios such as remittances, bill payments and online shopping.<\/li>\n
        • State Bank of Pakistan (SBP)-promoted Raast Instant Payment System accelerates cashlessness, processing over 1 million transactions per day.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n
          \n

          II. Core drivers<\/strong><\/h4>\n
            \n
          1. \n

            Policy support<\/strong><\/p>\n

              \n
            • SBP launches National Payment System Strategy (2021-2025), targets to increase share of digital transactions to 651 TP3T.<\/li>\n
            • Raast system enables free real-time inter-bank transfers, with the number of users exceeding 30 million within six months.<\/li>\n<\/ul>\n<\/li>\n
            • \n

              E-commerce and takeaway platforms pull<\/strong><\/p>\n

                \n
              • Platforms such as Daraz (Ali-based), Foodpanda, etc. driving demand for online payments, e-commerce market size of $6bn by 2022 (CAGR of 35%).<\/li>\n<\/ul>\n<\/li>\n
              • \n

                The rise of \"buy now, pay later\" (BNPL)
                \nLocal platforms such as QisstPay offer instalment services to cater for the spending needs of the younger demographic.<\/p>\n<\/li>\n<\/ol>\n

                \n

                III. Challenges and bottlenecks<\/strong><\/h4>\n
                  \n
                1. \n

                  Infrastructure shortcomings<\/strong><\/p>\n

                    \n
                  • 4G network coverage is only 50%, with unstable signals in rural areas.<\/li>\n<\/ul>\n<\/li>\n
                  • \n

                    regulatory friction<\/em>
                    \nStrict anti-money laundering regulations have resulted in some cross-border payments being blocked; e-wallets require biometric verification and cumbersome processes.<\/p>\n<\/li>\n<\/ol>\n

                    3.Consolidation of user habits<\/em>
                    \nIt is common for small and medium-sized merchants to refuse digital payments to avoid taxes.<\/p>\n

                    \n

                    IV. Outlook for future trends
                    \nShort-term (1-3 years)
                    \n\u2705 Expansion of correspondent banking network<\/em> : Provide cash access through convenience stores\/petrol stations to solve the \"last mile\" problem.
                    \n\u2705 QR Code Popularity<\/em> SBP pushes for unified interoperability of UPQR standards, following China's model.<\/p>\n

                    Medium- to long-term (more than 5 years)
                    \n\ud83d\ude80 CBDC Pilot : Expected to launch digital currency tests after 2025 in response to cryptocurrency shock.
                    \n\ud83c\udf0d Cross-border interconnection: co-operation with China UnionPay and Saudi SPAN to open up remittance channels (annual inflow of about US$31 billion).<\/p>\n

                    \n

                    V. Business Entry Recommendations
                    \n\u2714\ufe0f prioritises local licensees (e.g. HBL Bank, Jazz Telecom) to reduce compliance risk.
                    \n\u2714\ufe0f designs lightweight products (e.g. USSD menu payments) for low-end mobile phone users.
                    \n\u2714\ufe0f focuses on specific scenarios (tuition fee payment, farm machinery leasing) rather than generic solutions.<\/p>\n

                    \n

                    \ud83d\udccc Key Stat: By 2030, digital payments in Pakistan are expected to reach $45 billion (McKinsey forecast). Seizing the window requires immediate layout of agent ecosystem and localised operations team<\/p>\n<\/blockquote>\n

                    In-depth Opportunities and Strategies in the Pakistan Payments Market (cont'd)<\/strong><\/h3>\n

                    VI. Analysis of market segmentation opportunities<\/strong><\/h4>\n
                      \n
                    1. \n

                      Cross-border payments and remittances (Remittances)<\/strong><\/p>\n

                        \n
                      • Pakistan is the 6th largest remittance-receiving country in the world, with overseas labour remittances amounting to $31 billion in 2023 (8% of GDP).<\/li>\n
                      • sore point<\/strong>: Traditional channels (Western Union, etc.) have fees as high as 5%-7% and are slow to arrive.<\/li>\n
                      • opportunity point<\/strong>::
                        \n\u2705 Localised digital wallet direct connectivity (e.g. Alipay with UBL);
                        \n\u2705 Blockchain technology to reduce settlement costs (pilot projects such as SBP's Roshan Digital Account).<\/li>\n<\/ul>\n<\/li>\n
                      • \n

                        Digitalised acquiring for Micro, Small and Medium Enterprises (MSMEs)<\/strong><\/p>\n

                          \n
                        • Over 5 million small and medium-sized merchants nationwide, only 15% support electronic payment.<\/li>\n
                        • Innovative model references<\/strong>::
                          \n\ud83d\udccc Paytm India<\/em> : Capture the market through low-cost QR codes + 0.5% rates;
                          \n\ud83d\udccc M-Pesa Kenya<\/em> : Agent outlet cash exchange builds habits.<\/li>\n<\/ul>\n<\/li>\n
                        • \n

                          Government Payment Scenario G2P (Government-to-Person)<\/strong><\/p>\n

                            \n
                          • SBP makes it mandatory for social security payments, agricultural subsidies, etc. to be distributed through Raast, covering 12 million people by 2023.<\/li>\n
                          • Companies can bid to become distribution channels or offer value-added services (e.g., insurance bundles).<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n
                            \n

                            VII. Competitive Landscape and the Key to Localisation<\/strong><\/h4>\n\n\n\n\n\n\n\n
                            Player Type<\/th>\nRepresentative companies<\/th>\ncutting edge<\/th>\ninferior<\/th>\n<\/tr>\n<\/thead>\n
                            carrier system<\/strong><\/td>\nJazzCash (Veon), EasyPaisa (Telenor)<\/td>\nWide network of offline agents and large user base<\/td>\nSlow product innovation<\/td>\n<\/tr>\n
                            banking system<\/strong><\/td>\nHBL Pay, UBL Omni<\/td>\nStrict KYC, high net worth clients<\/td>\nPoor APP experience<\/td>\n<\/tr>\n
                            global giant<\/strong><\/td>\nPayPal (Restricted), Alipay<\/td>\ntechnological maturity<\/td>\nHigh threshold for local compliance<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                            \ud83d\udd11 The Key to Breaking the Game<\/strong><\/em>: Choose the 'rural-urban' route - prioritise penetration of second-tier cities (e.g. Lahore, Peshawar) before attacking Karachi\/Islamabad's high-end market.<\/p>\n

                            \n

                            VIII. Early warning of risks
                            \n\u26a0\ufe0f Exchange rate fluctuations<\/strong><\/em> : The rupee has depreciated by an average of 10% per annum in recent years, requiring dynamic adjustments in pricing strategies;
                            \n\u26a0\ufe0f geopolitical<\/strong><\/em> : FATF grey list history leading to stringent foreign investment review (JV shareholding \u226449% recommended);
                            \n\u26a0\ufe0f Data localisation<\/strong><\/em> :: SBP requires payment data to be stored in-country, increasing the cost of IT inputs.<\/p>\n

                            \n

                            IX. References to successful cases<\/p>\n

                              \n
                            • \ud83c\udfc6 JazzCash<\/em> The company's daily activity exceeded 2 million through \"mobile phone recharge cashback\";<\/li>\n
                            • \ud83c\udfc6 Keenu<\/em> (Pakistani version of Venmo): Focus on social AA payments for college students , user growth of 300% in 6 months.<\/li>\n<\/ul>\n
                              \n

                              X. List of actions
                              \n1\ufe0f\u20e3 [Compliance] Apply for an E-Money Institution licence (capital requirement ~$500,000);
                              \n2\ufe0f\u20e3 \u3010Cooperation\u3011 Access to Raast system to realise zero-fee interbank clearing;
                              \n3\ufe0f\u20e3 [Scenario] Targeting three major high-frequency needs - school fees\/medical expenses\/religious donations (Zakat);
                              \n4\ufe0f\u20e3 \u3010Promotion\u3011Urdu tutorial video with local KOL to solve the problem of \"can't use\".<\/p>\n

                              \n

                              \ud83d\udca1 Ultimate Trend: the next 5 years will be Pakistan's jump from a cash-based society to digital payments, and it is imperative to get stuck in the core ecological niche before the window closes - either by becoming an underlying facility (e.g. node of Raast) or monopolising the vertical scenarios (e.g. cross-border e-commerce settlements).<\/p>\n<\/blockquote>","protected":false},"excerpt":{"rendered":"

                              Payments Status and Trends in Pakistan: a read in one article I. 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