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Country Viewport: Digital Money in Pakistan 2014

  • ID: 3001403
  • September 2014
  • Region: Pakistan
  • Shift Thought Ltd

Pakistan already has 2.97 million Branchless Banking accounts and over 110,214 agents. We use the predictive framework to reveal why they succeeded when so many others failed.

The Islamic Republic of Pakistan is the sixth most populous country in the world, located at the crossroads of the strategically important regions of South Asia, Central Asia and Western Asia. It is currently witnessing one of the fastest growth rates of branchless banking anywhere in the world. A unique business model has been discovered, for collaboration between mobile operators and banks.

The country is currently undergoing a transformation in financial services, with the spread of Digital Money aided by the rapid penetration of mobile phones.

The author works with organisations around the world to shift the thinking from a focus on Mobile Money to planning for Digital Money.

This series of reports shares findings from the ongoing in-depth analysis of the state of play of digital money initiatives in each country, within the context of the larger region and world-wide trends.

This report is part of the Digital Money Country Series that covers innovations in different services READ MORE >

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The Executive Summary together with Fast Facts is a handy digest that offers the reader a short overview of developments in the market. It discusses the Key trends including Branchless Banking, Government Payments and new business models.

Chapter 1, The Context introduces the reader to the concept of Digital Money and explores how this exciting new area is developing all around the world.

Chapter 2, Digital Money in the Country provides an introductory overview of how services are developing – What is driving Digital Money, the kinds of business models and the state of adoption and maturity of the market.

Chapter 3, Market Segments goes into the detail of the needs of various market segments. It describes the demographics and the access to Financial Services.

Chapter 4, The Services Explored discusses the whole package of services expected by the market. Although a provider may choose to specialise in certain areas, they may need to partner with others to ensure the consumers enjoy a seamless experience with all the features and functionality they expect.

Chapter 5, Regulatory Environment provides an overview of the regulations that shape the growth of the industry and provides a description of the regulations and the rules that govern the provision of services.

Chapter 6, Ecosystem Analysis discusses the evolving models in the country. It provides an understanding of the Payments System in the country and introduces the various categories of players and the Partnerships that are forming around the delivery of Digital Money Services.

Chapter 7, Player Profiles provides a detailed profile of each of the players in the country. It is organised by class of trade. There are links from the Player Profile to each of the Digital Money Initiatives in which the player participates.

Chapter 8, Digital Money Initiatives (DMI) provides a detailed profile of each of the services launched in the market. We provide the framework to show the digital money flows in the end-to-end process between Sender and Receiver, and describe the services offered. There are links from the DMI Profile to each of the players involved in the initiative.

The Appendix provides a description of the Methodology we use and has a useful Glossary of terms and concepts.

Note: Product cover images may vary from those shown
Note: Product cover images may vary from those shown


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