{"id":3105,"date":"2025-05-31T21:42:17","date_gmt":"2025-05-31T13:42:17","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3105"},"modified":"2025-05-31T21:42:17","modified_gmt":"2025-05-31T13:42:17","slug":"%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e7%94%a8%e6%88%b7%e6%95%b0%e6%8d%ae%e6%8a%a5%e5%91%8a","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/31\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e7%94%a8%e6%88%b7%e6%95%b0%e6%8d%ae%e6%8a%a5%e5%91%8a\/","title":{"rendered":"Pakistan Payments User Data Report"},"content":{"rendered":"

Below is a structured analytical report on Payments in Pakistan user data covering key trends, market players and future outlook:<\/p>\n

\n

Core Insights on User Data for the Payments Industry in Pakistan (2023-2024)<\/strong><\/h3>\n

1. Market size and growth<\/strong><\/h4>\n
    \n
  • user base<\/strong>: Only 25% of the approximately 120 million adults have bank accounts, but there are 45 million mobile wallet users (18% annual growth rate).<\/li>\n
  • Transaction size<\/strong>: Digital payments volume topped 4.5bn in 2023, up 32% year-on-year (RBI data).<\/li>\n
  • Penetration drivers<\/strong>::\n
      \n
    • Smartphone penetration<\/em>: Adults in 48% use smartphones (GSMA 2023).<\/li>\n
    • policy impetus<\/em>: The Government has made it mandatory for civil servants' salaries to be paid through digital payments.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

      2. Percentage of main payment methods<\/strong><\/h4>\n\n\n\n\n\n\n\n\n
      Payment type<\/th>\nmarket share<\/th>\nTypical User Profile<\/th>\n<\/tr>\n<\/thead>\n
      Mobile Wallets (JazzCash, EasyPaisa)<\/td>\n42%<\/td>\nYoung age group (18-35), unbanked<\/td>\n<\/tr>\n
      Bank Transfers (IBFT)<\/td>\n30%<\/td>\nSME enterprises, urban middle class<\/td>\n<\/tr>\n
      Cash-on-Delivery<\/td>\n20%<\/td>\nE-commerce consumers (especially in Tier 2 and Tier 3 cities)<\/td>\n<\/tr>\n
      Cards (debit card based)<\/td>\n<8%<\/td>\nHigh-end urban population<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

      3. Competitive Landscape of Top Players<\/strong><\/h4>\n
        \n
      • JazzCash<\/strong>(operated by VEON):
        \n28 million active users, 5 million transactions per day; advantage in telecom points redemption.<\/li>\n
      • EasyPaisa<\/strong>(Telenor Department):
        \nCovering 170,000 agent locations, it specialises in cross-border remittances (15% of inward remittances from Pakistan).<\/li>\n
      • emerging forces<\/strong><\/em>::
        \nAlipay and UBL collaborated to launch \"UPaisa\" focusing on merchants in the China-Pakistan Economic Corridor.<\/li>\n<\/ul>\n

        4. Post-COVID behavioural changes<\/strong><\/h4>\n

        5. Changes in payment behaviour after COVID (key trends 2020-2023)<\/strong><\/h3>\n

        (1) Explosive growth in contactless payments<\/strong><\/h4>\n
          \n
        • Popularity of QR code payment<\/strong>: Small merchant QR code adoption jumps from 121 TP3T before the outbreak to 391 TP3T by 2023 (Karachi Market Research).<\/li>\n
        • Biometric verification on the rise<\/strong>: JazzCash's fingerprint\/face-recognition transactions account for 27% of total transactions (8x growth from 2019).<\/li>\n<\/ul>\n

          (2) E-commerce drives shift in prepaid behaviour<\/strong><\/h4>\n
            \n
          • Buy Now Pay Later (BNPL) Penetration Increases<\/strong>: Platforms like Daraz, Foodpanda, etc. launch instalment payments with 6.2 million BNPL users (181 TP3T of e-commerce payments).<\/li>\n
          • Cash delivery ratio declining but still dominant<\/strong>: The e-commerce COD ratio drops from 78% (2020) to 65% (2023), but rural areas still exceed 80%.<\/li>\n<\/ul>\n

            (3) Accelerated digitisation of government policies<\/strong><\/h4>\n
              \n
            • Ehsaas Emergency Funding Scheme<\/em>: Subsidies through mobile wallets, 8 million new female digital accounts (RBI report).<\/li>\n
            • tax incentive<\/em>: 151 TP3T GST relief on digital transactions to stimulate access for small and medium-sized merchants.<\/li>\n<\/ul>\n
              \n

              6. User pain points and unmet needs<\/strong><\/h3>\n\n\n\n\n\n\n\n
              Problem areas<\/th>\nconcrete expression<\/th>\nbusiness opportunity<\/th>\n<\/tr>\n<\/thead>\n
              confidence deficit<\/strong><\/td>\n75% Informal economy practitioners worry about financial security<\/td>\nBlockchain Audit Solutions<\/td>\n<\/tr>\n
              Insufficient financial literacy<\/strong><\/td>\nOnly 31% users understand how interest is calculated<\/td>\nGamified Financial Education App<\/td>\n<\/tr>\n
              Cross-border bottlenecks<\/strong><\/em><\/td>\nChina-Pakistan trade settlement still relies on Hawala underground system<\/td>\nAlipay-Riayat Joint Compliance Channel Development<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
              \n

              7. Projections for the next three years (2024-2026)<\/strong><\/h3>\n
                \n
              1. Agent Banking Expansion<\/strong>: It is expected that the number of rural agent sites will increase from the current 210,000 to 350,000, serving 60 million people who are not covered.<\/li>\n
              2. The Rise of Islamic Fintech<\/strong><\/em> : Sharia-compliant P2P lending platforms will attract $300M investment (e.g. Qard, Pakistan's first Halal BNPL platform).<\/li>\n
              3. China's technology export deepens<\/strong>:\n
                  \n
                • WeChat Payment<\/em>It is proposed to enter the Bus Rapid Transit (BRT) scenario through a joint venture model.<\/li>\n
                • Huawei Cloud<\/em>AI anti-fraud system is being tested with local banks, which could reduce 30% bad debt rates.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n
                  \n

                  [Strategic recommendations]<\/strong><\/h3>\n

                  \u2705 For companies going overseas<\/strong><\/em>:
                  \n\ud83d\udc49\ud83c\udffb prioritises integration of JazzCash\/EasyPaisa APIs over card channels - reaching 76% of active digital payment users.
                  \n\ud83d\udc49\ud83c\udffb designed a \"zero-literacy friendly\" UI (voice navigation + icon interaction) to target the 45+ emerging user group.<\/p>\n

                  More specific vertical data is required (e.g. agricultural supply chain finance\/cross-border workers' remittances), which can be further targeted for analysis.<\/p>","protected":false},"excerpt":{"rendered":"

                  The following is a structured analytical report on Payments Pakistan user data covering key trends...<\/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-3105","post","type-post","status-publish","format-standard","hentry","category-37"],"yoast_head":"\n\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u7528\u6237\u6570\u636e\u62a5\u544a - 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\/31\/\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u7528\u6237\u6570\u636e\u62a5\u544a\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u7528\u6237\u6570\u636e\u62a5\u544a\" \/>\n<meta property=\"og:description\" content=\"\u4ee5\u4e0b\u662f\u5173\u4e8e\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u7528\u6237\u6570\u636e\u7684\u7ed3\u6784\u5316\u5206\u6790\u62a5\u544a\uff0c\u6db5\u76d6\u5173\u952e\u8d8b\u52bf…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/05\/31\/\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u7528\u6237\u6570\u636e\u62a5\u544a\/\" \/>\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=\"2025-05-31T13:42:17+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\/31\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e7%94%a8%e6%88%b7%e6%95%b0%e6%8d%ae%e6%8a%a5%e5%91%8a\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e7%94%a8%e6%88%b7%e6%95%b0%e6%8d%ae%e6%8a%a5%e5%91%8a\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u7528\u6237\u6570\u636e\u62a5\u544a\",\"datePublished\":\"2025-05-31T13:42:17+00:00\",\"dateModified\":\"2025-05-31T13:42:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e7%94%a8%e6%88%b7%e6%95%b0%e6%8d%ae%e6%8a%a5%e5%91%8a\/\"},\"wordCount\":56,\"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\/31\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e7%94%a8%e6%88%b7%e6%95%b0%e6%8d%ae%e6%8a%a5%e5%91%8a\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e7%94%a8%e6%88%b7%e6%95%b0%e6%8d%ae%e6%8a%a5%e5%91%8a\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e7%94%a8%e6%88%b7%e6%95%b0%e6%8d%ae%e6%8a%a5%e5%91%8a\/\",\"name\":\"\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u7528\u6237\u6570\u636e\u62a5\u544a - 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