{"id":3133,"date":"2025-06-02T13:21:34","date_gmt":"2025-06-02T05:21:34","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3133"},"modified":"2025-06-02T13:21:34","modified_gmt":"2025-06-02T05:21:34","slug":"%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e7%94%9f%e6%80%81%e5%85%a8%e6%99%af%e8%a7%a3%e6%9e%90","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/06\/02\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e7%94%9f%e6%80%81%e5%85%a8%e6%99%af%e8%a7%a3%e6%9e%90\/","title":{"rendered":"A panoramic view of Pakistan's payments ecosystem"},"content":{"rendered":"<h1>A panoramic view of Pakistan's payments ecosystem: a market of opportunities and challenges<\/h1>\n<h2>Introduction: Pakistan Payments Market Overview<\/h2>\n<p>As the second largest economy in the South Asian region, Pakistan has a population of over 220 million people, with about 116 million internet users and 183 million mobile users. This large population base provides a vast space for the digital payments ecosystem to grow. In recent years, the payments market in Pakistan is undergoing unprecedented transformation with the rise in smartphone penetration, government policy support and the emergence of fintech startups.<\/p>\n<p>This paper will provide a comprehensive insight into the current state of the payments ecosystem in Pakistan, key players, technological infrastructure, regulatory environment, and future trends, providing valuable reference information for companies interested in entering the market.<\/p>\n<h2>Part I: Convergence of the traditional banking system with modern payments<\/h2>\n<h3>Status of bank account penetration<\/h3>\n<p>Despite its large population, according to World Bank data, only 211 TP3T of adults in Pakistan will have a formal financial institution account in 2021. This figure is well below the regional average (the South Asian average is 781 TP3T), indicating a large unmet demand for financial services. The traditional banking sector faces significant challenges in promoting financial inclusion.<\/p>\n<h3>Analysis of bank card usage<\/h3>\n<p>Visa and Mastercard are the main local card organisation brands:<\/p>\n<ul>\n<li><strong>debit cards<\/strong>Circulation is about 40 million<\/li>\n<li><strong>credit cards<\/strong>Only about 2 million<\/li>\n<li>Less than 100,000 POS terminals<\/li>\n<li>About 16,000 ATMs (mainly in major cities)<\/li>\n<\/ul>\n<p>This uneven distribution of infrastructure limits the popularity of card payments.<\/p>\n<h3>The Role of IBFT Instant Transfer System<\/h3>\n<p>The \"Inter Bank Fund Transfer (IBFT)\" system was created to solve the problem of interbank transfers:<\/p>\n<ul>\n<li><strong>on-line processing<\/strong>cross-bank transaction<\/li>\n<li><strong>24\/7 availability<\/strong><\/li>\n<li><strong>Advantage of low commission<\/strong><\/li>\n<\/ul>\n<p>IBFT has become one of the common ways for individuals and small businesses to transfer funds.<\/p>\n<h2>Part 2: Mobile wallets and the rise of correspondent banking<\/h2>\n<h3>Easypaisa and JazzCash double-header<\/h3>\n<p>Mobile wallet services led by the two major telecoms operators:<\/p>\n<table>\n<thead>\n<tr>\n<th>flat-roofed building<\/th>\n<th>parent companies<\/th>\n<th>Number of users (2023)<\/th>\n<th>key function<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Easypaisa<\/td>\n<td>Telenor<\/td>\n<td>&gt;10 million<\/td>\n<td>P2P Transfer,Bill Payment,Merchant Collections<\/td>\n<\/tr>\n<tr>\n<td>JazzCash<\/td>\n<td>Jazz (Vodafone)<\/td>\n<td>&gt;9 million<\/td>\n<td>Payroll, international remittances, savings products<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>These platforms reach the unbanked population through a large network of agents (over 500,000 outlets combined).<\/p>\n<h3>Innovative attempts by emerging players such as SimSim<\/h3>\n<p>Included:<br \/>\n&#8211;<strong>biometric verification<\/strong><br \/>\n&#8211;<strong>QR code payment<\/strong><br \/>\n&#8211;<strong>E-commerce Integration Solutions<\/strong><\/p>\n<p>These innovations are changing consumer perceptions and habits of digital payments.<\/p>\n<h2>Part III: Evolution of Government Policies and Regulatory Frameworks<\/h2>\n<h3>SBP National Payment System Strategy (NPSS)<\/h3>\n<p>The core elements of Vision 2025 launched by the Central Bank (SBP) include:<\/p>\n<p>\u2705 Establishment of a real-time grossing system (RTGS)<br \/>\n\u2705Replication of e-KYC process<br \/>\n\u2705 Developing open API standards<\/p>\n<p>The goal is to increase the share of digital transactions from the current 0.71 TP3T to 101 TP3T.<\/p>\n<p><em>Table:Timeline of key regulatory measures in recent years<\/em><\/p>\n<p>Year Name of policy Scope of impact<br \/>\n2019 Electronic Money Institutions Regulations Regulating the Licensing of NBFIs<br \/>\n2021 Raast Instant Settlement System Launched to Reduce Interbank Transaction Costs<br \/>\n2022 QR Standards Harmonisation Guidelines Promoting Interoperability<\/p>\n<p>These initiatives have significantly improved the business environment.<\/p>\n<p>Part IV:The unique landscape of cross-border payments<\/p>\n<p>Pillars of the remittance economy<br \/>\nOverseas workers repatriate about $$30 billion annually.<br \/>\n\ud83d\udd39 Traditional channels (Western Union, etc.) charge 8%-12% handling fee<br \/>\n\ud83d\udd39 Emerging blockchain solutions down to 3%-5%<\/p>\n<p>New opportunities under the China-Pakistan Economic Corridor<br \/>\nThe CPEC project spawned.<br \/>\nRenminbi clearing mechanism<br \/>\nbilateral local currency swap agreement<br \/>\nPilot policy on special economic zones<\/p>\n<p>Part V: Predictions of Future Trends and Technological Breakthroughs<\/p>\n<p>\ud83d\udcc8 Analysis of growth drivers.<\/p>\n<p>-Young population structure (64% &lt; 30 years)<br \/>\n-4G coverage has reached 75%<br \/>\n-Persistence of no-contact preference after new crowns<\/p>\n<h2>Part V: Predictions of future trends and technological breakthroughs (continued)<\/h2>\n<h3>Technology-driven payments innovation<\/h3>\n<p>The Pakistani payments market is undergoing the following technological changes:<\/p>\n<ol>\n<li>\n<p><strong>The popularity of biometric payments<\/strong><\/p>\n<ul>\n<li>The National Database and Registration Authority (NADRA) has established one of the largest biometric databases in the world<\/li>\n<li>Fingerprint\/Iris verification gradually replaces traditional PIN code<\/li>\n<li>Biometric transactions expected to account for 35% in 2025<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>The application of blockchain technology on the ground<\/strong><\/p>\n<ul>\n<li>Alipay partners with local banks to test cross-border blockchain remittances<\/li>\n<li>SBP explores Central Bank Digital Currency (CBDC) feasibility study<\/li>\n<li>Pilot Smart Contract Application in Supply Chain Finance<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>The Rise of Embedded Finance<\/strong><br \/>\nMain manifestations:<\/p>\n<pre><code class=\"language-mermaid\">graph LR<br>\r\nE-commerce platform --&gt; | Built-in instalment | Consumer finance<br>\r\nTaxi Software--&gt;|Real Time Settlement|Driver's Wallet<br>\r\nTakeaway APP--&gt;|Credit Payment|Pay Before You Earn BNPL <br>\r\n<\/code><\/pre>\n<\/li>\n<\/ol>\n<h3>Growth opportunities in niche markets<\/h3>\n<h4>B2B Payments Blue Ocean Sector<\/h4>\n<ul>\n<li>\n<p><strong>Digitalisation pain points for SMEs<\/strong>::<br \/>\n\u25b870% still relies on cash transactions<br \/>\n\u25b8 Supply chain lead times averaging up to 90 days<\/p>\n<\/li>\n<li>\n<p><strong>Solution Innovation Direction<\/strong>::<\/p>\n<\/li>\n<\/ul>\n<pre><code class=\"language-diff\">+ Automated electronic invoice reconciliation system <br>\r\n+ Dynamic credit modelling based on trade data <br>\r\n<\/code><\/pre>\n<p>Special scenarios for agricultural payments<\/p>\n<p>Unique needs exist in the agricultural sector covering 45% labour force in the country:<br \/>\n\u2713 Concentrated financial flows during the harvest season<br \/>\n\u2713 Offline transaction function in remote areas<br \/>\n\u2713 Crop price index-linked insurance payments<\/p>\n<p><em>Case Studies<\/em>: UBL Omni has launched the Kisan Card, which serves 2 million farmers.<\/p>\n<p>Part VI: Analysis of challenges and risk factors<\/p>\n<p>Infrastructure bottlenecks<\/p>\n<p>\u258cInconstant power supply affects terminal equipment uptime<br \/>\n\u258c3G\/4G Network Coverage Significant Rural-Urban Disparity (Urban 98% vs Rural 63%)<br \/>\n\u258cIlliteracy 38% leads to low acceptance of complex interfaces<\/p>\n<p>Trends in security threat escalation<\/p>\n<p>2022 Key Data:<br \/>\n-Financial cyberattacks up 217% year-on-year<br \/>\n-Average loss per digital fraud $482<br \/>\n-SIM exchange fraud cases averaged 300 per month<\/p>\n<p>Evolutionary routes for protective measures:<br \/>\n1\ufe0f\u20e3 Behavioural biometric profiling technology introduced<br \/>\n2\ufe0f\u20e3AI-driven abnormal transaction monitoring system<br \/>\n3\ufe0f\u20e3 Industry-wide shared blacklist database<\/p>\n<p>Part VII: Suggestions on Entry Strategies for International Enterprises<\/p>\n<p>Localised co-operation model options<\/p>\n<table>\n<thead>\n<tr>\n<th>Type of strategy<\/th>\n<th>representative case<\/th>\n<th>Comparative advantages<\/th>\n<th>Risk Warning<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>joint venture<\/td>\n<td>Ant Group + TMB Bank<\/td>\n<td>Quickly obtain licence qualifications<\/td>\n<td>Cultural integration is difficult<\/td>\n<\/tr>\n<tr>\n<td>technology export<\/td>\n<td>PayPal Developer Platform Docking Asset-Light Operations Regulatory Arbitrage Risky<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>AcquisitionsMergersWeChat acquires stake in Wateen PayStock user baseIntegration costs uncontrollable<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Ranking of critical success factors (results of expert research):<br \/>\n1. Regulatory Compliance Capability (Weight 35%)<br \/>\n2. Quality of Local Partners (30%)<br \/>\n3. Product design adapted to local culture (25%)<br \/>\n4. Long-term capital patience (10%)<\/p>\n<p>Part VIII:Consumer Behavioural Insights and the Education Gap<\/p>\n<p>Survey of intergenerational differences in usage habits<\/p>\n<p>Age group Preferred payment method Main reasons for rejecting digitisation\t<br \/>\n18-28 years old Mobile Wallet (62%) Worried about the complexity of the account freezing process\t<br \/>\n29-40 years old Bankcard Sweep Payment (34%) Distrust of System Security\t<br \/>\nCash Transfer Agent Locations Over 40 78%) Operational interface is difficult to understand\t<\/p>\n<p><em>Interesting findings<\/em>:: E-donation (zakat) traffic surged by 300% during Ramadan, showing the potential of the religious scene.<\/p>\n<p>Measuring return on investment in literacy education<\/p>\n<p>Comparative experimental data show that.<br \/>\ndevote<x-equation>1 Available in user education: -<\/x-equation>4.7 annualised growth in turnover<br \/>\n-23x increase in customer lifecycle value<br \/>\nBest practice example: NIFT's \"Digital Pakistan\" campaign through.<br \/>\n\u2611 Television sitcoms implanted in teaching<br \/>\n\u2611Mosque radio campaign<br \/>\n\u2611 Specialised courses for girls' schools<\/p>\n<p>Conclusion: a strategic window to seize the turning point<\/p>\n<p>\u7efc\u5408\u8bc4\u4f30\u663e\u793a\uff0c\u5df4\u57fa\u65af\u5766\u6b63\u5904\u4e8e\u4ece\u73b0\u91d1\u793e\u4f1a\u5411\u6570\u5b57\u652f\u4ed8\u7684\u4e34\u754c\u70b9\u3002\u5c3d\u7ba1\u9762\u4e34\u57fa\u7840\u8bbe\u65bd\u3001\u5b89\u5168\u6027\u548c\u7528\u6237\u8ba4\u77e5\u7b49\u591a\u91cd\u6311\u6218\uff0c\u4f46\u5728\u4ee5\u4e0b\u56e0\u7d20\u7684\u5171\u540c\u63a8\u52a8\u4e0b\uff0c\u672a\u67655\u5e74\u5c06\u4fdd\u630127%CAGR\u7684\u9ad8\u901f\u589e\u957f:<\/p>\n<p>\u2605Policy dividends continue to be released (SBP is clearly target orientated)<br \/>\n\u2605Demographic Advantages Emerge (Generation Z Becomes the Main Consumer)<br \/>\n\u2605Dual export of technology and capital from China (E-payment complete package solution is mature)<\/p>\n<p>For those interested in setting up a presence, now is the best time to conduct in-depth research, build local networks and conduct small-scale pilots. It is recommended to prioritise the asset-light entry path of the correspondent banking model, while focusing on the gaps in the development of Islamic-compliant financial products.<\/p>\n<hr>\n<p>This article is compiled based on public data and industry interviews. For more detailed segment reports or customised consulting services, please follow our subsequent series of studies. Please retain full copyright information and content integrity.<\/p>","protected":false},"excerpt":{"rendered":"<p>A panoramic view of Pakistan's payments ecosystem: a market of opportunities and challenges INTRODUCTION: Pakis...<\/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-3133","post","type-post","status-publish","format-standard","hentry","category-37"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u751f\u6001\u5168\u666f\u89e3\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\/06\/02\/\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u751f\u6001\u5168\u666f\u89e3\u6790\/\" \/>\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\u751f\u6001\u5168\u666f\u89e3\u6790\" \/>\n<meta property=\"og:description\" content=\"\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u751f\u6001\u5168\u666f\u89e3\u6790\uff1a\u673a\u9047\u4e0e\u6311\u6218\u5e76\u5b58\u7684\u5e02\u573a \u5f15\u8a00\uff1a\u5df4\u57fa\u65af&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/06\/02\/\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u751f\u6001\u5168\u666f\u89e3\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=\"2025-06-02T05:21:34+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\/06\/02\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e7%94%9f%e6%80%81%e5%85%a8%e6%99%af%e8%a7%a3%e6%9e%90\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/02\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e7%94%9f%e6%80%81%e5%85%a8%e6%99%af%e8%a7%a3%e6%9e%90\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u751f\u6001\u5168\u666f\u89e3\u6790\",\"datePublished\":\"2025-06-02T05:21:34+00:00\",\"dateModified\":\"2025-06-02T05:21:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/02\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e7%94%9f%e6%80%81%e5%85%a8%e6%99%af%e8%a7%a3%e6%9e%90\/\"},\"wordCount\":78,\"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\/06\/02\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e7%94%9f%e6%80%81%e5%85%a8%e6%99%af%e8%a7%a3%e6%9e%90\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/02\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e7%94%9f%e6%80%81%e5%85%a8%e6%99%af%e8%a7%a3%e6%9e%90\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/06\/02\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e7%94%9f%e6%80%81%e5%85%a8%e6%99%af%e8%a7%a3%e6%9e%90\/\",\"name\":\"\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u751f\u6001\u5168\u666f\u89e3\u6790 - 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