Landscape of Merchant Payments

Year : 2019 | Category : Karandaaz Digital
Merchant payments in Pakistan is identified by all stakeholders as a key payment use-case that is being used by almost every segment of the population and is currently believed to be based on cash transactions only.

Policy & Regulatory Bottlenecks for Digital Financial Services in Pakistan

Year : 2019 | Category : Blockchain
Financial inclusion is widely considered as a powerful tool towards achieving Sustainable Development Goals (SDGs), especially reducing poverty (SDG1), promoting gender equality (SDG5) and enabling inclusive economic growth (SDG8). In Pakistan, more than 100 million adults lack access to formal financial services corresponding to 5.2% of the unbanked population of the world.

The IMF Programme and the Domestic SME Sector

Year : 2019 | Category : Financing
Due to the current economic challenges faced by Pakistan, the Government of Pakistan (GoP), after extensive negotiations, has entered into yet another financial assistance program from the International Monetary Fund (IMF); the new Extended Fund Facility (EFF) amounting to USD 6 Billion shall be based over a 39 month period. This research brief evaluates the likely impact of this new IMF program and its implications on Pakistan’s Small and Medium Enterprise (SME) segment.

Rotating Savings and Credit Associations in Pakistan

Year : 2019 | Category : Karandaaz Digital
This research investigates the scope for digitization of Rotating and Savings Credit Association in Pakistan on the rails of Digital Financial Service and its potential to increase DFS uptake. 36% of the people in Pakistan save money, but only 4% of those save money with a formal financial institution, while 33% save through saving clubs called Kamaitis, the local version of Rotating Savings and Credit Associations (ROSCAs).

SMS Fraud Detection and Prevention in Pakistan

Year : 2019 | Category : Karandaaz Digital
Short Message Service (SMS) has become a common communication mode, specifically in Pakistan. In 2009, Pakistan had the largest text messaging growth in Asia Pacific.

Financial System Needs of Micro-Entrepreneur Women

Year : 2019 | Category : Karandaaz Digital
This research investigates women in micro-entrepreneurship in Pakistan. The purpose is to provide contextual information in which these female micro-entrepreneurs get into businesses, their personal and enterprise financial life cycle, the circumstances they face and how it affects their personal and entrepreneurial lives, and explore the potential financial and non-financial solutions that cater to their specific needs.

Market Analysis of Medical Equipment for Clinical Laboratories

Year : 2019 | Category : Financing
Medical Equipment for Clinical Laboratories

ICF Toolkit

Year : 2018 | Category : Karandaaz Innovation Challenge Fund
Karandaaz Pakistan seeks to promote access to finance for small businesses through a commercially directed investment platform, and financial inclusion for individuals by employing technology enabled digital solutions.

FDC Toolkit

Year : 2018 | Category : Karandaaz FinTech Disrupt Challenge
Financial inclusion is essential - not only for the economic and social development of a country but also for reduction of poverty and suataianble growth of a country.

Policy Brief

Year : 2018 | Category : Branchless Banking
Branchless Banking Agent onboarding and KYC
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