Karandaaz Design Thinking as a Service Programme

About the Programme

Karandaaz Design Thinking is a Service Program being launched to support the Digital Financial Service (DFS) Players who offer their services through mobile and web based platforms. Karandaaz Pakistan, through various interventions, has been actively engaged in the creation of an enabling environment for financial inclusion and digital financial services in Pakistan. The emergence of digital financial services and the need to increase the nationwide financial inclusion numbers, has created the need for innovative, disruptive and sustainable business models that can boost the uptake and usage of DFS. This program focuses on the use of Design Thinking methodology in developing digital financial products and services that not only address the need of the customer but also create a user experience that leads to stickiness and repeat usage.

Objective of the Programme

The objective of this programme is to support the DFS industry by promoting the use of Human Centred Design approach in developing or improving their product and service design. Karandaaz intends to work with players who can provide a seamless customer experience of digital financial services.

How it Works?

The applicant (DFSPs – Mobile Money operators/Fintech/Start ups) will apply on Karandaaz website by filling out the form that captures the requirements and scope of work. Karandaaz team will conduct its due diligence of the scope and share the requirements with the panel of partner design firms. The design firms will bid on assignment and the lowest bidder will be awarded the contract. Upon final selection of the design firm, 50% cost of the project will be borne by the applicant while Karandaaz will bear up to 50% or PKR 5 lac (whichever is lower) cost of the total project value.

Services Offered

Thematic Areas

DFS providers, FinTechs, startups who are operating in the following areas and have mobile or web based platform for customer interaction are eligible to apply:

Eligibility Criteria

  • The client should have or intend to develop a mobile or web based platform of their product or service.
  • The client must be operating in the DFS industry.

Partner Design Firms

Contact Us


Frequently Asked Question

It is a subsidized programme offered to the emerging DFSPs, Startups, Fintechs who are offering digital financial services through mobile or web platform. The purpose of this programme is to inculcate the use of Design thinking approach in the platform and improve the customer experience for the uptake of digital financial services.

Applicants may apply on this website with their requirements. These requirements entail, product/service description, design changes, budget etc.

These services will entail:

  1. Design Research
  2. User Experience Design
  3. Usability Audit
  4. Product and Service Design

No, this is not a funding programme.

No. These services are to be availed only from Karandaaz Panel of Design Thinking firms if the subsidy is to be availed.

Karandaaz team will be in touch with the respective client (applicant) to understand the scope of work and conduct a due diligence of the requirement to establish a need. Once done, the scope of work will be shared with the partner design firms followed by a bid evaluation process. The lowest bidder will be awarded the work. The client will then be asked to enter into a service agreement with the vendor (finalized design firm).

Each client can avail a subsidy of up to 50% of the cost or PKR 5 lac, whichever is lower.

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Non-profit company registered under Section 42 of the Companies Act, 2017