From Access to Ownership, Made Simple.

✨ Summary Overview

By combining consumer-first install­ment solutions with secure digital infrastructure, ethical underwriting, and financial education, Pak Paisa Installments aims to transform how everyday Pakistani consumers access credit-worthy products—bridging financial gaps, fostering inclusion, and enabling growth in pockets where traditional banking has yet to reach.

• Installment and BNPL (Buy Now, Pay Later) solutions are rapidly growing in Pakistan. Mastercard reports that 66% of Pakistani consumers are familiar with BNPL, and 36% already use it as a budgeting tool.

• Despite banking penetration of just ~21% of adults, smartphone and internet access exceed 80%, setting fertile ground for digital installment models to reach the unbanked.

• SECP’s 2024 regulatory framework now includes dedicated guidelines for installment-based digital lending, including BNPL services, aimed at fostering consumer protection and innovation.

Key Pillars of Our Installment Model

• Seamless digital experience: From onboarding to repayment—100% digital, paperless, and mobile-friendly.

• Personalized affordability: Using AI/ML models and real-time behavioral scoring to align terms with borrower capability and avoid over-indebtedness.

• Transparency & trust: Full disclosures on rates, fees, payment schedule, and early pay-off options in local language, complying with SECP’s disclosures standards.

• Shariah-aligned offerings: Exploring interest-free or Islamic installment options similar to KalPay and Bank Alfalah’s BNPL services that have strong consumer appeal in Pakistan.

• Financial literacy integration: Partnering with platforms like TAMGA to offer users tools and learning modules that help build credit understanding and financial wellness.

• Regulatory compliance & sandbox innovation: Engaging with SBP’s and SECP’s tiered sandbox frameworks to test and scale responsibly in a regulated environment.

💡 Value to Customers & Ecosystem

Benefit AreaDescriptionConsumersUnlock access to essentials—appliances, electronics, healthcare, even home improvements—in manageable monthly installments.Merchants & SMEsExpand sales through tailored financing integrations (e-commerce or in-store). Zood and KalPay case studies show stronger merchant conversion and consumer reach. RegulatorsAligns with national financial inclusion goals and SBP/SECP initiatives to digitize the payment and lending ecosystem. Supports Pakistan’s goal of scaling formal financial access beyond 64% adult inclusion to ~75% by 2028.

Pakpaisa has transformed my buying experience, making transactions seamless and efficient. Highly recommended for everyone!

Samreen Gul

Using Pakpaisa has simplified my financial management. It's a reliable alternative to traditional banking services.

Fazal Karim

★★★★★

★★★★★