{"id":2744,"date":"2025-05-16T18:53:28","date_gmt":"2025-05-16T10:53:28","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2744"},"modified":"2025-05-16T18:53:28","modified_gmt":"2025-05-16T10:53:28","slug":"%e6%8a%95%e8%b5%84%e8%80%85%e5%bf%85%e7%9c%8b%ef%bc%9a%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e8%a1%8c%e4%b8%9a%e5%88%86%e6%9e%90","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/16\/%e6%8a%95%e8%b5%84%e8%80%85%e5%bf%85%e7%9c%8b%ef%bc%9a%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e8%a1%8c%e4%b8%9a%e5%88%86%e6%9e%90\/","title":{"rendered":"Must see for investors: analysis of the payments industry in Pakistan"},"content":{"rendered":"

Payments industry analysis in Pakistan: an investor's guide<\/h3>\n

I. Market overview<\/strong><\/h4>\n
    \n
  1. \n

    Economic and demographic base<\/strong><\/p>\n

      \n
    • With a population of 225 million (the fifth largest in the world) and a median age of 23, the digital potential is huge.<\/li>\n
    • GDP growth of 3-4% (2023) and high inflation but mobile penetration of over 80% provides ground for the payments industry.<\/li>\n<\/ul>\n<\/li>\n
    • \n

      policy-driven<\/strong><\/p>\n

        \n
      • National Financial Inclusion Strategy (NFIS) Goal: Increase adult bank account holdings from 21% to 50% by 2025.<\/li>\n
      • The Central Bank (SBP) promotes the Electronic Money Institutions Regulation and issues digital banking licences (e.g. NayaPay, KT Bank).<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n
        \n

        II. Core tracks and opportunities<\/strong><\/h4>\n
          \n
        1. \n

          Mobile Wallet & Correspondent Banking<\/strong><\/p>\n

            \n
          • JazzCash (over 40 million subscribers), EasyPaisa (owned by Telenor) dominate the market, but rural coverage is less than 351 TP3T.<\/li>\n
          • Investment Opportunities<\/em>: Expansion of agent network, integration of cross-border remittances (8% of GDP in diaspora remittances).<\/li>\n<\/ul>\n<\/li>\n
          • \n

            Instant Payment System (Raast)<\/strong><\/p>\n

              \n
            • SBP launched national level infrastructure with 200% annual increase in processing (2023 data). Can cut into B2B payroll, government subsidy scenarios.<\/li>\n<\/ul>\n<\/li>\n
            • \n

              BNPL and e-commerce integration<\/strong><\/p>\n

                \n
              • E-commerce scale $6bn (2025 forecast), but credit card penetration is only 2%. companies such as QisstPay get funding to lay out buy now, pay later.<\/li>\n<\/ul>\n<\/li>\n
              • \n

                Cross-border Payment Pain Points<\/strong><\/p>\n

                  \n
                • There is a large foreign trade gap and inefficient foreign exchange settlement for SMEs. blockchain solutions such as Ripple are testing the waters.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n
                  \n

                  III. Risk warning<\/strong><\/h4>\n
                    \n
                  • High compliance costs<\/strong>: Strict anti-money laundering regulations, foreign investment requires local partners. Case in point: Alipay entered through a partnership with Alfalah Bank.<\/li>\n
                  • Exchange rate fluctuations<\/strong><\/em>: Rupee depreciation during the year 20% (2023), hedging strategy required.<\/li>\n<\/ul>\n
                    \n

                    IV. Successful case references<\/strong><\/h4>\n
                      \n
                    1. SadaPay<\/em> : Digital wallet + prepaid card model, acquiring 500,000 users in 10 months, focusing on zero fees.<\/li>\n<\/ol>\n
                      \n

                      5<\/strong><\/strong><\/h4>\n

                      Pakistan's payments industry is on the eve of an explosion and is recommended for attention:<\/p>\n

                        \n
                      • Local head wallet companies in Series A and beyond;<\/li>\n
                      • Raast eco-service provider;<\/li>\n
                      • A cross-border payment solution provider with trade ties to China.<\/li>\n<\/ul>\n
                        \n

                        Source: SBP Annual Report, Karandaaz Pakistan, McKinsey GSMA<\/em><\/p>\n<\/blockquote>\n

                        Payments Industry Analysis in Pakistan (cont'd): Segmentation and Investment Strategies<\/strong><\/h3>\n
                        \n

                        V. In-depth analysis of market segments<\/strong><\/h4>\n
                          \n
                        1. \n

                          The Blue Ocean of Rural Finance<\/strong><\/p>\n

                            \n
                          • Status quo: only 30% rural people have basic financial accounts, but mobile phone penetration is 65%.<\/li>\n
                          • Model Innovation:\n
                              \n
                            • Correspondent Banking + Biometrics<\/strong>: UBL Omni and others serve ID-less users through fingerprint authentication.<\/li>\n
                            • Agricultural Payment Scenarios<\/em>: Embedded in seed procurement, harvest sales chain (e.g. Telenor Bank working with fertiliser manufacturers).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n
                            • \n

                              Islamic Finance Compliance Payments<\/strong><\/p>\n

                                \n
                              • Pakistan's 95% population is Muslim and interest is prohibited (Riba). Need to comply with Sharia's solution:\n
                                  \n
                                • Profit-sharing (Mudaraba) electronic account;<\/li>\n
                                • Commodity Exchange Structures (Murabaha) as an alternative to traditional lending.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n
                                • \n

                                  Government G2P Payment Reform<\/strong><\/p>\n

                                    \n
                                  • SBP distributes benefits through Raast (e.g. Benazir Income Support Programme), covering 8 million households in 2023. Private companies can bid for distribution channels or technology providers.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n
                                    \n

                                    6<\/strong><\/strong><\/h4>\n
                                      \n
                                    1. Comparison of foreign investment entry paths<\/strong><\/li>\n<\/ol>\n\n\n\n\n\n\n\n
                                      way (of life)<\/th>\ncutting edge<\/th>\nchallenge<\/th>\ncase (law)<\/th>\n<\/tr>\n<\/thead>\n
                                      joint venture<\/strong><\/td>\nFast Track to Local Licence<\/td>\nProfit sharing and controlling interest game<\/td>\nAnt Group + MCB Bank<\/td>\n<\/tr>\n
                                      Strategic investments<\/strong><\/td>\nAsset-light entry into established businesses<\/td>\nValuation bubble risk<\/td>\nTencent takes stake in EasyPaisa's parent company<\/td>\n<\/tr>\n
                                      Independent licence application<\/strong><\/td>\nFully autonomous operation<\/td>\n18-24 months<\/td>\nNayaPay takes 22 months to get EMI licence<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
                                        <\/p>\n
                                      1. List of key partners<\/strong><\/em>\n
                                          \n
                                        • skill<\/em>: Local KYC providers (e.g. Tasdid certified), USSD channel operators;<\/li>\n
                                        • formulation<\/em>:: Consultancy organisation Karandaaz Pakistan (WB funded);<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n
                                          \n

                                          7<\/strong><\/strong><\/h4>\n
                                            \n
                                          1. Exit mechanism design<\/strong><\/em>
                                            \n- IPO possibility low, M&A exit prioritised - potential buyers include local banks (HBL, MCB), Middle East consortiums.<\/li>\n
                                          2. Geopolitical Hedging Recommendations<\/strong><\/em>
                                            \nThe China-Pakistan Economic Corridor (CPEC) project prioritises Balochistan\/Sindh, which can reduce policy risk by tying up CPEC-related trade payment requirements.<\/li>\n<\/ol>\n
                                            \n

                                            8<\/strong><\/strong><\/h4>\n
                                            \n

                                            \"The first Pakistani payments unicorn with a valuation of over $1bn will emerge in the next three years.\" -Asian Development Bank Fintech Report 2024<\/p>\n<\/blockquote>\n

                                            Investor Action Checklist:
                                            \n\u2713 Focus on verifying that the enterprise has access to the Raast system during due diligence;
                                            \n\u2713 Test the target's ability to trade offline in a blackout environment;<\/p>","protected":false},"excerpt":{"rendered":"

                                            Payments industry analysis in Pakistan: an investor's guide I. Market overview Economic and demographic base...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[37],"tags":[],"class_list":["post-2744","post","type-post","status-publish","format-standard","hentry","category-37"],"yoast_head":"\n\u6295\u8d44\u8005\u5fc5\u770b\uff1a\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u884c\u4e1a\u5206\u6790 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deekpay.com\/en\/2025\/05\/16\/\u6295\u8d44\u8005\u5fc5\u770b\uff1a\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u884c\u4e1a\u5206\u6790\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u6295\u8d44\u8005\u5fc5\u770b\uff1a\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u884c\u4e1a\u5206\u6790\" \/>\n<meta property=\"og:description\" content=\"\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u884c\u4e1a\u5206\u6790\uff1a\u6295\u8d44\u8005\u6307\u5357 \u4e00\u3001\u5e02\u573a\u6982\u51b5 \u7ecf\u6d4e\u4e0e\u4eba\u53e3\u57fa…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/05\/16\/\u6295\u8d44\u8005\u5fc5\u770b\uff1a\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u884c\u4e1a\u5206\u6790\/\" \/>\n<meta property=\"og:site_name\" content=\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-16T10:53:28+00:00\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/16\/%e6%8a%95%e8%b5%84%e8%80%85%e5%bf%85%e7%9c%8b%ef%bc%9a%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e8%a1%8c%e4%b8%9a%e5%88%86%e6%9e%90\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/16\/%e6%8a%95%e8%b5%84%e8%80%85%e5%bf%85%e7%9c%8b%ef%bc%9a%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e8%a1%8c%e4%b8%9a%e5%88%86%e6%9e%90\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u6295\u8d44\u8005\u5fc5\u770b\uff1a\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u884c\u4e1a\u5206\u6790\",\"datePublished\":\"2025-05-16T10:53:28+00:00\",\"dateModified\":\"2025-05-16T10:53:28+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/16\/%e6%8a%95%e8%b5%84%e8%80%85%e5%bf%85%e7%9c%8b%ef%bc%9a%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e8%a1%8c%e4%b8%9a%e5%88%86%e6%9e%90\/\"},\"wordCount\":60,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"articleSection\":[\"\u5df4\u57fa\u65af\u5766\u652f\u4ed8\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.deekpay.com\/2025\/05\/16\/%e6%8a%95%e8%b5%84%e8%80%85%e5%bf%85%e7%9c%8b%ef%bc%9a%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e8%a1%8c%e4%b8%9a%e5%88%86%e6%9e%90\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/16\/%e6%8a%95%e8%b5%84%e8%80%85%e5%bf%85%e7%9c%8b%ef%bc%9a%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e8%a1%8c%e4%b8%9a%e5%88%86%e6%9e%90\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/05\/16\/%e6%8a%95%e8%b5%84%e8%80%85%e5%bf%85%e7%9c%8b%ef%bc%9a%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e8%a1%8c%e4%b8%9a%e5%88%86%e6%9e%90\/\",\"name\":\"\u6295\u8d44\u8005\u5fc5\u770b\uff1a\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u884c\u4e1a\u5206\u6790 - 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