{"id":3445,"date":"2025-08-12T11:29:00","date_gmt":"2025-08-12T03:29:00","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3445"},"modified":"2025-08-12T11:29:00","modified_gmt":"2025-08-12T03:29:00","slug":"%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%97%a0%e7%8e%b0%e9%87%91%e8%bd%ac%e5%9e%8b%ef%bc%9a%e6%94%bf%e7%ad%96%e4%b8%8e%e7%8e%b0%e5%ae%9e%e5%b7%ae%e8%b7%9d","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/08\/12\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%97%a0%e7%8e%b0%e9%87%91%e8%bd%ac%e5%9e%8b%ef%bc%9a%e6%94%bf%e7%ad%96%e4%b8%8e%e7%8e%b0%e5%ae%9e%e5%b7%ae%e8%b7%9d\/","title":{"rendered":"Cashless transition in Pakistan: policy and reality gap"},"content":{"rendered":"<p>Pakistan's cashless transition is an important initiative of the government to promote financial inclusion and modernisation, but there is still a significant gap between policy objectives and the reality on the ground. The following section analyses the three dimensions of the policy framework, real challenges and directions for improvement:<\/p>\n<hr>\n<h3><strong>I. Policy framework: ambitions and top-level design<\/strong><\/h3>\n<ol>\n<li><strong>National Financial Inclusion Strategy (2021-2025)<\/strong><br \/>\nThe goal is to increase bank account holdings among the adult population to 651 TP3T by 2025 (currently around 451 TP3T) and encourage electronic payments through tax incentives.<\/li>\n<li><strong>Raast Instant Payment System<\/strong><br \/>\nThe free digital money transfer platform launched by the central bank has crossed 1 million transactions per day, but is mainly concentrated in urban areas.<\/li>\n<li><strong>Regulatory incentives<\/strong>\n<ul>\n<li>Lower licence thresholds for digital wallet service providers (e.g. Easypaisa, JazzCash);<\/li>\n<li>Sales tax reduction for merchants using POS machines.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>II. The reality gap: five structural contradictions<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>Infrastructure divide<\/strong><\/p>\n<ul>\n<li>Only 38% of adults in rural areas have mobile phone signal coverage (GSMA data) and smartphone penetration is less than 30%;<\/li>\n<li>The national ATM density is 8 per 100,000 people (55 in China).<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Cash dependency inertia<\/strong><\/p>\n<ul>\n<li>The informal economy accounts for 35% of GDP, and small traders commonly refuse to accept electronic payments to avoid tax traceability;<\/li>\n<li>Social welfare payments are still paid in cash, weakening the digitisation drive.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>User trust deficit<\/strong><\/p>\n<ul>\n<li>2022 Karachi University Survey reveals that 67% respondents are worried about e-fraud;<\/li>\n<li>The Raast system had been delayed by a technical glitch causing 200,000 transactions in a single day.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Shortfalls in the capacity of financial institutions<\/strong><br \/>\nSmall and medium-sized banks lack digital transformation budgets, and rural branch 80% operations are still cash access.<\/p>\n<\/li>\n<li>\n<p><em><strong>The squeeze effect of cross-border payments<\/strong><\/em><br \/>\nRemittance income accounts for 8% of GDP, but 90% flows through cash channels such as Western Union, which is difficult to replace with local digital programmes.<\/p>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>III. Possible pathways to bridge the gap<\/strong><\/h3>\n<ol>\n<li><em><strong>advance in stages<\/strong><\/em>: Prioritise mandatory digitisation of utility payments in urban areas such as Islamabad and Lahore.<\/li>\n<li><em><strong>Public-private partnership model<\/strong><\/em>: Drawing on India's UPI experience, allow telecom operators to share KYC data with banks.<br \/>\n3.<em><strong>Last-mile innovation<\/strong><\/em>::<\/li>\n<\/ol>\n<ul>\n<li>Deploy a \"correspondent banking\" model (similar to M-Pesa in Kenya) that authorises grocery shops to provide basic financial services;<\/li>\n<li>Pilot blockchain-powered distribution of social welfare payments (as in the case of the World Food Programme in Jordan).<br \/>\n4.<em><strong>Regulatory sandbox trials<\/strong><\/em>::<br \/>\nDevelop simple digital ledger tools with low compliance costs for micro and small businesses;<\/li>\n<\/ul>\n<hr>\n<h3><strong>IV. Key findings<\/strong><\/h3>\n<p>The core contradiction in Pakistan's cashless transition lies in the mismatch between the policy's \"high-tier city orientation\" and the economy's \"strong grassroots attributes\". In the future, it is necessary to break through differentiated strategies (urban-rural stratification) + pain points (such as remittance digitisation) - this is not only a technological upgrade, but also a systematic project involving the reconstruction of the social contract.<\/p>\n<h3><strong>V. Deepening analysis: key bottlenecks and breakthroughs in policy implementation<\/strong><\/h3>\n<h4><strong>1. Lack of financial literacy and user education<\/strong><\/h4>\n<ul>\n<li><strong>status quo<\/strong>: Only 211 TP3T of Pakistan's adult population have basic financial literacy (World Bank 2023 data), and even less than 101 TP3T in the rural female population.<\/li>\n<li><strong>affect (usually adversely)<\/strong>: Even when digital payment tools are available, users still prefer cash transactions because they do not understand the process or are concerned about the security of their funds.<\/li>\n<li><strong>prescription<\/strong>::\n<ul>\n<li>Co-opting religious leaders (e.g., mosque imams) to promote financial literacy and use community trust to reduce resistance;<\/li>\n<li>Teaching e-payment scenarios embedded in popular TV series (e.g. PTV programmes).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h4><strong>2. \"Cost-benefit\" imbalance on the merchant side<\/strong><\/h4>\n<ul>\n<li><strong>inconsistency<\/strong>: The government requires merchants to install POS machines, but the handling fee (1.5%-3%) erodes small and micro profits; and cash transactions avoid taxes.<\/li>\n<li><em><strong>case (law)<\/strong><\/em>: The Lahore Bazaar survey revealed that only 12% vendors accepted mobile payments, but 80% of them gave up after a brief attempt due to platform subsidies.<\/li>\n<li><em><strong>Innovative models<\/strong><\/em>::<br \/>\n\u2460 \"Zero-rate\" window - modelled on China Alipay's early strategy of waiving fees for the first 6 months;<br \/>\n\u2461 \"Tax credit for digitisation\" - each e-payment can be offset against an equivalent amount of sales tax.<\/li>\n<\/ul>\n<hr>\n<h3><strong>VI. Technology adaptation challenges and localisation programmes<\/strong><\/h3>\n<h4><strong>(A) The rural-urban divide in telecommunications infrastructure<\/strong><\/h4>\n<table>\n<thead>\n<tr>\n<th>norm<\/th>\n<th>municipalities<\/th>\n<th>countryside<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>4G coverage<\/td>\n<td>78%<\/td>\n<td>29%<\/td>\n<\/tr>\n<tr>\n<td>Average Internet Speed (Mbps)<\/td>\n<td>8.2<\/td>\n<td>2.1<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u2192 <em><strong>alternative<\/strong><\/em>::<\/p>\n<ul>\n<li>USSD code transfer feature (no smartphone required), JazzCash currently reaches 12 million feature phone users;<\/li>\n<li>Offline QR code payment system (similar to BharatQR in India) that allows for delayed settlement.<\/li>\n<\/ul>\n<h4><strong>(B) Ethical Controversies in Biometrics<\/strong><\/h4>\n<p>The government's push for the Aadhaar model of fingerprint payments has met with resistance:<\/p>\n<ul>\n<li><em>Farmers protest in Sindh<\/em>:: \"Fingerprint data sold to insurance companies\" (no evidence but reflects a crisis of confidence);<br \/>\n\u2192 <em><strong>compromise route<\/strong><\/em>::<br \/>\nAdopts \"two-factor authentication\" (SMS OTP + simple password) to balance security and acceptance.<\/li>\n<\/ul>\n<hr>\n<h3><strong>VII. Local adaptation of international experience<\/strong><\/h3>\n<p>Pakistan can selectively draw on the following cases:<\/p>\n<p><strong>(1) M-Pesa's Agent Network Model in Kenya<\/strong><br \/>\n\u00a0\u00a0\u00a0<\/p>","protected":false},"excerpt":{"rendered":"<p>Pakistan's cashless transition is an important government initiative to promote financial inclusion and modernisation, but...<\/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-3445","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\u65e0\u73b0\u91d1\u8f6c\u578b\uff1a\u653f\u7b56\u4e0e\u73b0\u5b9e\u5dee\u8ddd - 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