The primary aim of this study is to provide formal financial institutions insights into the road tranport sector, enabling them to design suitable products and services. The ultimate objective is to enable growth in the transport sector by increasing the availabilty of formal financial services. This study was conducted from Feburary 2017 to April 2018, followed by documentation and data collection.

The methodology was based on review of secondary literature and a combination of quaitative and quantitative tools. quantitative surveys were conducted with vehicle owners of both, passenger and freight transport. the study focused on three primary cities with large industrial, trade and transport hubs: karachi, Lahore and Peshawar, and three secondary cities: Mirpurkhas, Kasur and charsadda.