Digital Pakistan 2022: Broadband Penetration Soars to 90% of 15+ Population

The year 2022 was a very rough year for Pakistan. The nation was hit by devastating floods that badly affected tens of millions of people. Macroeconomic indicators took a nose dive as political instability reached new heights. In the middle of such bad news, Pakistan saw installation of thousands of kilometers of new fiber optic cable, inauguration of a new high bandwidth PEACE submarine cable connecting Karachi with Africa and Europe, and millions of new broadband subscriptions. Broadband penetration among 140 million (59% of 236 million population) Pakistanis in  the15-64 years age group reached almost 90%. This new digital infrastructure helped grow technology adoption in the country. 

Internet and Mobile Phone Banking Growth in 2021-22. Source: State Bank of Pakistan

Fintech: 

Mobile phone banking and internet banking grew by 141.1% to Rs. 11.9 trillion while Internet banking jumped 81.1% to reach Rs10.2 trillion.  E-commerce transactions also accelerated, witnessing similar trends as the volume grew by 107.4% to 45.5 million and the value by 74.9% to Rs106 billion, according to the State Bank of Pakistan.  

Pakistan Startup Funding in 2022. Source: i2i Investing

Fintech startups continued to draw investments in the midst of a slump in venture funding in Pakistan. Fintech took $10 million from a total of $13.5 million raised by tech startups in the fourth quarter of 2022, according to the data of Invest2Innovate (i2i), a startups consultancy firm. In Q3 of 2022, six out of the 14 deals were fintech startups, compared to two deals of e-commerce startups. Fintech startups raised $38 million which is 58% of total funding ($65 million) in Q3 2022, compared to e-commerce startups that raised 19% of total funding. The i2i data shows that in Q3 2022, fintech raised 37.1% higher than what it raised in Q2 2022 ($27.7 million). Similarly, in Q2 2022, the total investment of fintech was 63% higher compared to what it raised in Q1 2022 ($17 million).

E-Commerce in Pakistan. Source: State Bank of Pakistan

E-Commerce:

E-commerce continued to grow in the country. Transaction volume soared 107.4% to 45.5 million while the value of transactions jumped 75% to Rs. 106 billion over the prior year, according to the State Bank of Pakistan. 

Pakistan Among World's Top 10 Smartphone Markets. Source: NewZoo

PEACE Cable: 

Pakistan and East Africa Connecting Europe (PEACE) cable, a  96 TBPS (terabits per second), 15,000 km long submarine cable, went live in 2022. It brought to 10 the total number of submarine cables currently connecting or planned to connect Pakistan with the world: TransWorld1, Africa1 (2023), 2Africa (2023), AAE1, PEACE,  SeaMeWe3, SeaMeWe4, SeaMeWe5, SeaMeWe6 (2025) and IMEWE. PEACE cable has two landing stations in Pakistan: Karachi and Gwadar. SeaMeWe stands for Southeast Asia Middle East Western Europe, while IMEWE is India Middle East Western Europe and AAE1 Asia Africa Europe 1. 

Mobile Data Consumption Growth in Pakistan. Source: ProPakistan

Fiber Optic Cable: 

The first phase of a new high bandwidth long-haul fiber network has been completed jointly by One Network, the largest ICT and Intelligent Traffic and Electronic Tolling System operator in Pakistan, and Cybernet, a leading fiber broadband provider.  The joint venture has deployed 1,800 km of fiber network along motorways and road sections linking Karachi to Hyderabad (M-9 Motorway), Multan to Sukkur (M-5 Motorway), Abdul Hakeem to Lahore (M-3 Motorway), Swat Expressway (M-16), Lahore to Islamabad (M-2 Motorway) and separately from Lahore to Sialkot (M-11 Motorway), Gujranwala, Daska and Wazirabad, according to Business Recorder newspaper.

Mobile telecom service operator Jazz and Chinese equipment manufacturer Huawei have commercially deployed FDD (Frequency Division Duplexing) Massive MIMO (Multiple Input and Output) solution based on 5G technology on a large scale in Pakistan. Jazz and Huawei claim it represents a leap into the 4.9G domain to boost bandwidth. 

Pakistan Telecom Indicators November 2022. Source: PTA

 

Pakistan's RAAST P2P System Taking Off. Source: State Bank of Pakistan

Broadband Subscriptions:

Pakistan has 124 million broadband subscribers as of November, 2022, according to Pakistan Telecommunications Authority.  Broadband penetration among 140 million (59% of 236 million) Pakistanis in 15-64 years age bracket is 89%.  Over 20 million mobile phones were locally manufactured/assembled in the country in the first 11 months of the year. 

Bank Account Ownership in Pakistan. Source: Karandaaz

Financial Inclusion Doubled In Pakistan in 5 Years. Source: Karandaaz

Documenting Pakistan Economy:

Pakistan's unbanked population is huge, estimated at 100 million adults, mostly women. Its undocumented economy is among the world's largest,  estimated at 35.6% which represents approximately $542 billion at GDP PPP levels, according to World Economics. The nation's tax to GDP ratio (9.2%) and formal savings rates (12.72%) are among the lowest. The process of digitizing the economy could help reduce the undocumented economy and increase tax collection and formal savings and investment in more productive sectors such as export-oriented manufacturing and services. Higher investment in more productive sectors could lead to faster economic growth and larger export earnings. None of this can be achieved without some semblance of political stability. 

Related Links:

Load Previous Comments
  • Riaz Haq

    TikTok: The new frontier for political info-wars

    https://www.dawn.com/news/1754935


    The PMLN apparently failed to counter this narrative on the three dates. In fact, only two videos were posted on the party’s official account between March 10 to March 24. They both featured Maryam Nawaz Sharif.

    The analysis showed that the PTI used TikTok as an effective tool to mobilise its workers and demonstrate ‘public support’ for its chairman. In 22 of the analysed videos, PTI leaders directly addressed the workers and urged them to reach Zaman Park.

    These were in addition to the use of hashtag #ZamanParkPohancho** in the description of the analysed videos. Till April 7, the videos under the said hashtag — not all of them posted by the official PTI account — had over 242m views. There were also 41 videos on the apparent ‘public support’ for Mr Khan, showing the crowd gathered outside Zaman Park and during his court appearance.

    For Ms Siddiqui, a big reason for the clarity in PTI’s messaging is Mr Khan being the party’s face. “The fact is that whatever Imran Khan says becomes what PTI says. So, the PTI and Imran Khan are really synonymous.”

    This contrasts with the PML-N, whose narrative, like the house of Sharifs, appears to be divided between Prime Minister Shehbaz Sharif and Ms Nawaz. Of the 100 analysed videos, the narrative of 40 videos centred around PM Shehbaz. These were clips of his meeting, interviews, media talks and governance. Ms Sharif was the focus of 23 videos. Most of these videos were her addresses, rallies, and ‘public support’.

    The PML-N strategy witnessed an apparent shift after January 28 — the day Ms Sharif returned to Pakistan. All but one of the 23 videos featuring Ms Sharif were posted after this date. Before the PML-N leader’s return, the party’s narrative was focused on PM Shehbaz’s governance. Out of the 40, 33 videos featuring the prime minister were posted before this date.

    The ‘Imran factor’

    The analysis showed that the PTI is clear in its approach: centre the entire narrative around Chairman Imran Khan — his popularity, supporters’ willingness to “sacrifice their lives for him”, his “fight for people’s rights”, and him being a “one-man army against the state’s oppression”.

    Of the 144 videos analysed, the narrative in 62 centred around Mr Khan, ranging from the conspiracy to kill him, reasons for his attempted arrest, the gag on his speeches, the cases against him, etc. In 36 out of 144 videos, Mr Khan was the sole appearance. These were clips of his speeches and his messages to PTI supporters.

    This ‘Imran-centric’ content did yield results for PTI. Nine of the 14 videos on PTI’s account that crossed over a million views featured Mr Khan. Not only for his party, but the PTI chairman also fetched eyeballs for the rival PML-N. Of the ten most-viewed videos on the PML-N’s account during the period in consideration, four were directly critical of Mr Khan.

    ‘The voter is changing’

    While political campaigns run on Pakistani social media leave a lot to be desired, the presence of the two biggest political parties on TikTok indicates an effort to reach out to voters where they’re concentrated. In surveys conducted by Asfandyar Mir and Niloufer Siddiqui to understand what platforms people use to access news and determine its trustworthiness, the numbers were 58pc for Facebook, 63pc WhatsApp, 47pc YouTube, 17pc Twitter and 30pc TikTok.

    This change is not limited to how people consume news; it has a wider implication for Pakistan’s political landscape. “The voter is changing,” Ms Siddiqui said while explaining this trend.

    While political parties with inherently weak organisational systems have relied on electables and patronage to attract votes, things have started to change. “Social media and urbanisation, severing feudal and biradri ties are changing party affiliations.”

  • Riaz Haq

    TikTok: The new frontier for political info-wars

    https://www.dawn.com/news/1754935


    And the PTI has capitalised on this.

    Ms Siddiqui said the PTI also relied on electables, but it simultaneously managed to capture people’s attention with its anti-status quo and anti-corruption narrative. “The PML-N and PPP, the other two major parties, failed to catch up. They are still stuck in electable maths.”

    This was helped by PTI’s openness to exploring new platforms to amplify its message. As Mr Ahad explained, the party has always been more conducive to experimenting with social media, while their rivals fear the backlash their leaders might receive on these places.

    “The PTI has been dominating the narrative so much, and for so long, other parties are apprehensive in countering it,” he said.

    *The number of likes, shares, comments and views are approximation as TikTok rounds off the figure after it reaches five digits

    **All hashtags originally in Urdu script have been rewritten in Roman Urdu.

    This story has been done in collaboration with Media Matters for Democracy.

  • Riaz Haq

    M.
    @amoizmalik
    While all, or may be the most, attention is still focused on Twitter, TikTok has silently become a new platfrom for political narrative warfare in Pakistan. In this longform story, I looked at the platform to see how it has turned into a battleground for

    https://twitter.com/amoizmalik/status/1660552521105162240?s=20


    M.
    @amoizmalik
    narrative warfare. Talk about the presence of political parties on the platfrom, only two --PTI and PML-N-- have an official account on the platform. Like every other platfrom, PTI is a juggernaut on the platfrom. It has three million followers



    M.
    @amoizmalik
    compared to just 43.4K of PML-N. The average engagment shows how big, and orgnanised, PTI is on the platfrom. Till April, PTI on avg posted 29 videos per day, had over 67K avg like, 685 comments and 750 shares. In comparision, PML-N posted 1.2 videso daily on avg,


    M.
    @amoizmalik
    with 1,192 likes, 48 comments and 22 likes. NOWHERE NEAR PTI.
    As is the story on other platfroms, PTI is miles ahead in terms of how it uses TikTok to annihilate its rivals' messaging. Take the example of May 9. IK was arrested, violent protests broke out and the govt has

    M.
    @amoizmalik
    shut Twitter. The governemnt would have thought it managed to blunt PTI's most potent weapon. But, they left one flank unguarded; TikTok. What PTI does? It takes its entire messaging game to TikTok. It went full throttle on the platfrom, putting out on avg



    M.
    @amoizmalik
    41 videos per day between May 9 to 12. In comparision, it only posted 14 videos per day on avg from May 1 to May 8. During the time of IK's arrests, the engagement on PTI's TikTok account rose to insane levels. Check the graphs for comparision from a week ago.


    M.
    @amoizmalik
    Over 618K avg views, over 378K avg likes, over 1,100 comments and 1,500 shares -- all numbers doubled compared to last week. So did PTI lose anything while Twitter was down? They, by all means, outsmarted the government's move.


    M.
    @amoizmalik
    The story looks at this and compared several other activities on PTI's and PML-N's official TikTok accounts. How they post videos, how they use hashtag, what is the narrative, etc. It shows the PTI works on the TikTok like a well oiled machine, somethin PML-N clearly lacks.


    M.
    @amoizmalik
    For this story, I talked to
    @NiloSiddiqui
    ,
    @tabinda_m
    ,
    @talhaahad
    . Their comments and input was invaluable. Also, this months-long work wouldn't have been possible without the generous support from
    @asadbeyg
    and his team
    @mmfd_Pak

  • Riaz Haq

    Laying the digital foundations for a brighter future

    https://dailytimes.com.pk/1095721/laying-the-digital-foundations-fo...


    by Khurram Sultan


    The Government of Pakistan has launched the Smart Village Pakistan project with the support of Huawei to overcome the extreme disparity between the urban and rural development indicators. The Smart Village project aims to achieve digital transformation in remote rural areas by closing the gap in access to technology and services between urban and rural areas – a transformation that is made possible through Huawei’s expertise and expansion of wireless broadband network coverage.

    The first village to experience the digital transformation is the Gokina Smart Village, a small hamlet near Islamabad. There, Huawei provides cutting edge technical solutions to connect the unconnected, allowing partners in education and health to serve the previously underserved community.

    The Smart Village Pakistan project aims to digitally transform remote and rural communities by connecting them and empowering the citizens with better access to a range of digital services that can meaningfully improve their wellbeing and livelihoods in accordance with the government’s vision of Digital Pakistan. Reduced inequality will lead to improved well-being and access to better jobs through digital services. This approach involves a new design and implementation framework that is demand-driven, user-centric, flexible, and is focused on sustainability, scalability, and multi-sector collaboration.

    Huawei continues to be the leader in Pakistan in expanding outreach in rural areas under the broader Huawei TECH4ALL commitment to enable an inclusive and sustainable digital world. Aligned with the UN SDGs and Huawei’s vision and mission, TECH4ALL is a long-term digital inclusion initiative and action plan to innovating technologies and solutions that make the world a more inclusive and sustainable space for all.

    Approximately half the world population is digitally connected while the other half is not, a division that has implications that became glaring apparent during the global pandemic when digital networks and access to the internet meant continued access to fundamental rights and critical services like health and education.

    TeleTaleem is a social enterprise focused on enhancing quality of education services at the grassroots level, through innovative use of technology. While TeleTaleem has reached a good mix of users in urban and rural settings – reaching out to 60 different districts across all four provinces and the AJK, covering 4,000+ schools and directly impacting skillset of more than 6,000 teachers and 1,000,000+ children, one of its proudest accomplishments is the recent partnership with Huawei and the International Telecommunication Union (ITU) under the Smart Village Program.

    Upon visiting the school in Gokina, TeleTaleem discovered a pressing need for science teachers, particularly for students in grades 8, 9, and 10. Specializing in the design and delivery of e-learning systems and services, using a variety of delivery mechanisms and blended learning platforms, TeleTaleem has implemented multiple interventions, covering a broad spectrum of primary to secondary school systems, teacher education and training institutions in both public and private sectors.

    The solution for Gokina was TeleTaleem’s Online Teaching Model, which provides the school with two digital classrooms equipped with internet connectivity from Jazz and power backup systems. Through this setup, the school was connected with specialist science teachers based at TeleTaleem. Now, the students in Gokina are benefitting from daily science classes, including subjects like chemistry and biology, along with regular assessments of their learning activities.

  • Riaz Haq

    Laying the digital foundations for a brighter future

    https://dailytimes.com.pk/1095721/laying-the-digital-foundations-fo...


    by Khurram Sultan



    This initiative aims to bring quality education to remote rural areas, and the foundation of innovative, tech-based solutions are digital connectivity. The Smart Village project aligns with the TeleTaleem vision to provide quality education where it is needed the most under our “Education without Boundaries” approach.


    The project has received an overwhelmingly positive response from both students and teachers. The school head has been incredibly cooperative and supportive throughout the implementation of these activities. The Federal Directorate of Education, responsible for the school, and the Ministry of Federal Education & Professional Training have expressed their great appreciation for the efforts of TeleTaleem, Huawei, and ITU in selecting Gokina School as a pilot site under the Smart Village program.

    While the challenges of infrastructure are real, the opportunities are immense. In Pakistan, the young, underserved population spread across vast rural tracts is the ideal target and ultimate beneficiary of enhanced digitalization and increased usage of telecom services.

    Around 37% of employment in Pakistan is in agricultural, forestry, or the fishery sector and COVID-19 has disrupted conventional business operations and led to closure of many traditional markets. Not only so, but 13% of the youth from these areas do not enroll in secondary school, and only 15% of households have access to a computer at home for e-learning. The literacy rate of female youth (ages 15-24) is more than 14 percent lower than male youth literacy rate. Additionally, the employment rate is around 11% higher for women than it is for men. With access to connectivity and ICT, the Smart Village Project looks to tackle all of these issues.


    Inclusive digital transformation can be a crucial enabler for rural development and with Huawei laying the foundations for social enterprises and service providers to reach the unserved, the future is bright.

    The author is the Director Program at TeleTaleem, a social enterprise delivering innovative solutions for improved educational services at the grassroot level.

  • Riaz Haq

    Pakistan’s ‘largest’ OTT platform streams original content from Hollywood, other studios

    https://www.arabnews.pk/node/2273296/pakistan


    Titled SHOQ, the streaming app allows registration of up to five devices with two concurrent sessions
    Pakistani Internet users can opt from various packages ranging from Rs8 per day to Rs120-299 a month
    KARACHI: Pakistan’s “largest” Over-The-Top platform, SHOQ, offers an interesting lineup of original local and international shows, a Pakistani telecom official said, describing the platform as the country’s “ultimate entertainment solution.”

    SHOQ is a subscription-based streaming app that works on the Bring-Your-Own-Device (BYOD) model and PTCL-provided TV dongles, enabling users to avail multi-screen services from any place, anytime through smartphones, tablets, laptops, Android Smart TVs and Android TV Boxes.

    The Pakistan Telecommunication Company Limited (PTCL), a subsidiary of e& that was formerly known as the Etisalat Group, officially launched the platform in late January, aiming to provide a “superior” and “immersive” viewing experience to all data users in Pakistan.

    SHOQ allows registration of up to five devices with two concurrent sessions at a time. It is available for all Pakistani data users on “customer-friendly” daily, weekly, and monthly bases, according to Pasha. Customers can opt from various packages ranging from Rs8 per day to Rs120-299 a month.

    “We have original content with rights from Hollywood studios like Warner, Sony, etc. The content ranges from blockbuster movies to highly rated and acclaimed series,” Amir Pasha, a PTCL group director, told Arab News on Tuesday.

    “We believe that SHOQ has what it takes to be the country’s ultimate entertainment solution.”

    Pasha said they believed a high-quality local OTT entertainment service was much needed that was not only affordable but also customized to local tastes and preferences, given the increasing Internet penetration in Pakistan.

    While the platform does not offer Indian content, the official said it did have a wide range of local and international content that was liked by the subscribers.

    “Content acquisition is a continuous process to add value to the platform and for customer retention. We will continue R&D (research and development) and will bring in more content that matches the customer requirements and entertainment needs,” Pasha said.

    “We are focusing on local content in addition to international content that will allow SHOQ to gain more market [share]. SHOQ penetration is on the positive growth trajectory and we believe it will take some time to strengthen our footprint across the country.”

    SHOQ also hosts one hundred most-watched local and international live TV channels, Pakistani movies and originals to cater to the entertainment needs of the entire family, according to a PTCL statement.

    “We are pleased to support the development of Pakistan’s largest OTT platform, powered by PTCL,” Khalifa Al-Shamsi, the CEO of e& life, said at the launch of SHOQ in January.

    “We are confident that this new service will add great value to the people of Pakistan. e& will continue to support the PTCL Group, especially in its new chapter of creating a digital future that empowers every person in society to create innovative digital services and tap into new customer segments, building success upon success.”

  • Riaz Haq

    USF Approves Rs. 21 Billion for New Optical Fiber and Broadband Projects


    https://propakistani.pk/2022/09/25/usf-approves-rs-21-billion-for-n...


    The Universal Service Fund (USF) Board has approved the award of 10 contracts worth approximately Rs. 21 billion for the unserved and under-served communities of Baluchistan, Punjab, Sindh, and Khyber Pakhtunkhwa (KP).


    The high-speed mobile broadband projects, highways and motorways projects, and optical fiber cable projects will provide 4G LTE connectivity and backhaul connectivity to around 3.5 million people by connecting 187 Union Councils (UCs) with 1,554 kilometers (kms) of optical fiber cable and provide seamless connectivity to 622 km of unserved road segments on M-8 motorway and N-35 highway.


    Additional Secretary (Incharge) IT & Telecommunication and Chairman USF Board Mohsin Mushtaq Chandna chaired the 83rd Board of Directors meeting of USF on Thursday.


    While addressing the meeting, Chandna said that USF has delivered a record productive performance in the past 4 years by contracting 79 projects worth approximately Rs. 62.7 billion in subsidy. This is a testament to our absolute commitment to improving the lives and livelihoods of the unserved and underserved communities of Pakistan.

    He also highlighted the importance of infrastructure, affordability, and accessibility of the internet and pledged to work with all stakeholders to achieve the vision of Digital Pakistan.

    USF Chief Executive Officer Haaris Mahmood Chaudhary apprised the Board members of the progress of the current projects and the restoration of the flood-affected USF network. He said that these projects will empower around 3.3 million people living in far-flung and backward areas across Pakistan, enabling them to access e-services across various spheres, ranging from financial services like banking and loans to accessibility towards various government services and benefits.


    According to the details, the Board approved the award of 5 high-speed mobile broadband contracts worth approximately Rs. 7.1 billion for providing 4G LTE services in the rural and remote districts of Punjab, Sindh, and Balochistan. These projects will benefit people living in 262 unserved muazas of Dera Ghazi Khan, Layyah, Muzaffargarh, Multan, and Rajanpur districts in Punjab, Jamshoro in Sindh, and Barkhan, Musakhel, Sherani, and Sibi in Balochistan covering an approximate unserved area of 12,784.91 sq. km.

    Furthermore, the Board also approved the award of two high-speed mobile broadband projects for National Highways and Motorways worth Rs. 6 billion for providing 4G LTE services to commuters on unserved road segments of 622.68 km on M-8 motorway and N-35 highway respectively.

    Similarly, the USF Board also approved the award of three optical fiber cable projects worth approximately Rs. 7.7 billion for providing backhaul connectivity to 187 Union Councils (UCs) of Punjab and KP. Under these projects, USF will deploy a total of 1,554 km of optical fiber cable that will benefit over 3.3 million people in the districts of Attock, Sheikhupura, and Nankana Sahib in Punjab and Bannu and Lakki Marwat in KP. These projects are designed to connect 684 educational institutions, 223 government offices, and 268 health institutions along with mandatory connectivity of 408 BTS towers.

  • Riaz Haq

    Public cloud services on the rise in Pakistan
    Cloud computing market in country expected to reach $1.5b this year

    https://tribune.com.pk/story/2406357/public-cloud-services-on-the-r...

    According to a report of IDC, public cloud spending in Asia-Pacific excluding Japan (APeJ) is expected to grow at a compound annual growth rate (CAGR) of 25.5% from 2019 to 2024, reaching $124.5 billion in 2024.

    Another report of Gartner suggests that the public cloud services market in the Asia-Pacific region will grow by 23.7% in 2021 and reach $124.6 billion, up from $100.8 billion in 2020.

    In Pakistan, the adoption of public cloud services is also on the rise. Allied Market Research, in its report, says the cloud computing market in Pakistan is expected to reach $1.5 billion by 2023, growing at a CAGR of 19.1% from 2017 to 2023.

    “These numbers highlight the increasing importance of public cloud for businesses in Asia and Pakistan, as they embrace digital transformation and seek to leverage the benefits of cloud computing to enhance their competitiveness and drive growth,” remarked Azam.

    Cloud computing provides organistions with the ability to rapidly scale resources up or down, as needed, allowing them to handle changes in demand more effectively.

    According to an IDC study, organisations that use cloud computing are able to handle 2.5 times more application workloads than those that rely on the traditional IT infrastructure.

    Talking about the security of public cloud, Azam cited a Forrester Research report which said that 80% of security breaches involving the public cloud infrastructure are caused by customer misconfiguration or mistakes.

    “This shows that while cloud providers have strong security measures in place, organisations also have a responsibility to ensure their data is secure in the cloud,” he added.

    Overall, the importance of public cloud services for businesses in Asia and Pakistan cannot be overstated, as it provides them with the ability to innovate, collaborate, and scale with ease, while reducing costs and improving security and reliability.

    “Public cloud offers a pay-as-you-go model and the ability to scale resources up or down, as needed, which makes it easier for organisations to handle fluctuating workloads without having to invest in additional hardware or infrastructure. In contrast, private cloud requires organisations to invest in and maintain their own infrastructure which can be costly. Private cloud offers more control over data and infrastructure, which can be beneficial for organisations with strict security requirements.”

  • Riaz Haq

    NADRA launches Nishan Pakistan platform, lets startups leverage digital identity stack | Biometric Update


    https://www.biometricupdate.com/202305/nadra-launches-nishan-pakist...

    The National Database and Registration Authority (NADRA) has launched the Beta version of Nishan Pakistan, a platform to enable small and medium sized businesses in the country make the most of its digital ID stack.

    NADRA Chairman Tariq Malik said in a tweet that Nishan Pakistan is a game-changer platform designed to empower commercial startups and young entrepreneurs with secure and contactless biometric verification through secure data sharing with NADRA.

    He said the platform, which offers a world of endless possibilities and a plethora of use cases for businesses including customer identification through biometrics, is the first of its kind online, secure and open digital identity authentication platform in the country.

    Malik added that the platform offers an API gateway and a cutting-edge sandbox that enables a smooth integration with other systems and will provide a set of services that will help businesses with “a seamless, consistent and connected experience,” and also contribute to ongoing efforts of making Pakistan a truly digital nation.

    The official said in another message that the novelty will set the stage for the kind of market-creating innovation that ignites “the economic engine of a country, creates jobs and augments profits that fund public services and promote change culture in the society.”

    Nishan Pakistan has been rolled out for user acceptance testing and NADRA is looking out for feedback to improve the functionality of the platform and also help in its plans of creating a strong digital ID system.

    Subscriptions to the platform are opened and interested businesses can submit applications and wait for the approval process to be completed in 10-15 days, according to a promotional video.

    In April, NADRA announced the market launch of the automated fingerprint identification system (AFIS)) it developed domestically.

  • Riaz Haq

    Pakistani official praises innovation as UAE-based bank opens country’s first ‘digital lifestyle branch’

    https://www.arabnews.pk/node/2315156/pakistan


    Launched by Bank Alfalah, the branch seeks to provide unique digital experience and meet customers’ financial needs

    Among other facilities, the branch will also provide biometrically secured digital lockers that will remain available 24/7


    The top central bank official in Pakistan has praised the country’s financial sector for making technological upgrades after a private commercial bank inaugurated its first “digital lifestyle branch” in the southern Karachi port city to improve the overall customer experience and reduce the brick-and-mortar footprint earlier this week.

    Launched by Bank Alfalah, a Pakistani subsidiary of a company based in the United Arab Emirates (UAE), the initiative seeks to provide a unique digital experience and meet the lifestyle and financial needs of customers.

    According to the bank, the state-of-the-art branch will offer a 24/7 digital self-service banking area comprising a virtual self-service machine (VSM), biometrically secured digital lockers, cash-deposit machines (CDMs), auto-teller machines (ATMs), and tech-gadget machines along with round-the-clock Wi-Fi access, among other facilities.

    The branch was launched in Karachi by Pakistan’s top central bank official on June 1.

    “Governor State Bank of Pakistan (SBP) Mr. Jameel Ahmad has said that Pakistan’s banking industry was investing in technological upgrades to facilitate its customers and improve their overall banking experience,” said a statement circulated by the bank.

    “He was optimistic that exciting projects like Bank Alfalah’s first digital lifestyle branch will unlock new opportunities, making banking easier to access and leading to a more financially inclusive and digitally empowered nation.”

    According to the statement, Ahmad said that digitalization would entail a reduction in the brick-and-mortar footprint of the banking industry globally, adding that Pakistan was no exception.

    “The governor of SBP was confident that the successful implementation of this model will show the way forward to the new entrants of the banking industry in Pakistan. In his concluding remarks, he stressed the need for a proactive approach by the banking industry in tailoring customers’ products and services based on their specific preferences and changing behavior,” it added.

    The top SBP official further maintained that customers’ fair treatment and protection should be a top priority of banks.

    The virtual self-service machine will allow customers to instantly open accounts, receive debit cards swiftly, and get statements printed by a video teller immediately after a transaction, the bank said.

    The facility will also provide “easy-to-use and biometrically secured digital lockers” which will be accessible to customers at any time of the day or night without any staff interaction.

    Bank Alfalah witnessed an exponential growth of over 95 percent in digital banking transactions with an annualized volume of over Rs3.5 trillion. The bank’s record further reveals that 77 percent of new-to-bank (NTB) account holders prefer digital transactions over conventional methods.

    Over 75 percent of the bank’s transactions are now online, and 70 percent of bank accounts are opened via digital channels.

  • Riaz Haq

    Super Fast Gigabit Fiber Internet is Coming to 11 Cities in Pakistan Soon

    https://propakistani.pk/2023/06/07/super-fast-gigabit-fiber-interne...

    Pakistan is about to get ultra-fast gigabit fiber internet in eleven cities soon, as per government documents available with ProPakistani.

    This document highlights the Public Sector Development Project (PDSP) budget during the period of 2022-2024. It includes a summary of current ongoing projects, future projects, and more under the Ministry of Planning, Development, and Special Initiatives.

    Under the Information Technology and Telecom Division, it highlights a new scheme for a project that will expand Gigabit Passive Optical Network (GPON) Fiber to the Home (FTTH) services to eleven cities.

    In simpler words, super fast gigabit internet is coming to more cities soon, as mentioned earlier. The project’s approval status is still “under process”, so it will probably be a while before it sees the light of day.

    The government has approved a cost of Rs. 800 million and there is no foreign aid on this particular project. An additional Rs. 50 million will be allocated to this project during the course of 2023-2024.

    Other Development Projects
    The IT section of the document also highlights dozens of other projects the govt is working on at the moment, such as 4 more knowledge parks, a technology park development project, an online recruitment system for FPSC, smart offices for Federal Ministries and Departments, expansion of broadband services in Kashmir and Gilgit, and much more.

  • Riaz Haq

    List of Best Internet Service Provider in Pakistan

    https://www.unitedsol.net/best-internet-service-providers-in-pakistan/

    1. PTCL
    PTCL is the major ISP in Pakistan where an extensive network of customers across the country and agreements with other ISPs to serve commercial and household consumers. It was a government-owned institution until it was privatized in 2006. It is also the top telecommunication company in the country; PTCL has made the internet accessible to almost every part of the country. PTCL offers several internet packages for customers to avail that are distinguished by speed such as 20mbps, 30mbps, 50mbps, 100mbps, and even 250mbps.

    2. OPTIX
    A name that is regarded the most in supersonic internet speed for home users is OPTIX. It provides one of the best internet services in Pakistan. The company realizes the significance of the best quality internet to residential consumers that’s why they ensure superfast speed and uninterrupted connectivity. If we come to compare it with other service providers, we can say OPTIX and Nayatel both are leading the space with their selfless support. The company claims to offer unmatched voice quality that may make you feel the person is sitting next to you. the variety of plans helps you to choose a package for the sole purpose of the internet like 2mbps, 4mbps, 10mbps, or up to 100mbps;

    3. Connect Communication


    4. FIBERLINK
    Fiberlink is another reliable name in the ISP sphere of Pakistan. It has been offering fiber optic services in the leading cities of the country including Lahore, Karachi, Hyderabad, and Faisalabad. The company is proud of bringing the fastest internet connectivity and stability to its home and corporate consumers. Their claim to have the best internet services in Pakistan can be evaluated by the fact that their plans offer to speed up to 200mbps which is hard for any company to provide. One can have any package between 12mbps, 20mbps, 40mbps, 100mbps, 150mbps, or 200 Mbps.

    5. Stormfiber
    Among the top contenders for best internet in Pakistan, Stormfiber leads the list for its seamless internet and television services to its residential consumers. It is backed by CyberNet, which is a leading brand among the internet service providers in the corporate sector. Using the reliable internet by CyberNet, Stormfiber is eager to provide reliable and stable internet connectivity to home users. The packages you can select from include 10mbps, 20mbps, 30mbps, and other options with higher bandwidths.

    6. NAYATEL
    Nayatel was among the few internet services in Pakistan that introduced FTTH – Fiber to the house – to ensure that home and business consumers enjoy fast internet connections.

    7. COMSATS Internet Services


    8. Wateen
    Among all the Pakistan internet companies, Wateen rose to fame in a short period. It has launched internet services in Pakistan with fiber optic and WiMax technology that do not require the conventional installation of wires and heavy equipment. It started outstanding services in major cities and soon expanded nationwide.

    9. QUBEE
    Being launched in 2007, Qubee was among the few telecom companies that introduced WiMax technology. It is an amazing technology that provides absolute internet connectivity without the need to use a wire. It offered services in four main cities including Islamabad, Rawalpindi, Lahore, and Karachi.

    10. WorldCall
    Worldcall was once highly recognized for its internet services. It has a repute in cable broadband internet ervices. WorldCall came as a reliable solution for users who had to use PTCL phone lines to connect to the users. They would either have to use the internet or telephone services at a time. WorldCall brought an innovative solution of getting cable connections without engaging landlines. It was performing well in the major cities of Pakistan but is now limited to Karachi and Lahore only. They have affordable plans that start with 2mbps, 4mbps, 6mbps, 8mbps, and 10mbps. They do have digital TV and Cable TV solutions for home users and corporate entities.

  • Riaz Haq

    Pakistan's University of Turbat gets new data center
    Balochistan Governor emphasizes importance of technology for the region

    https://www.datacenterdynamics.com/en/news/pakistans-university-of-...

    The University of Turbat (UoT) in Balochistan, Pakistan, has launched a new data center.

    1_ac101b9b-492d-45c5-99fe-6b02afd1f426.png

    – University of Turbat
    The completion of the first phase was inaugurated by Governor Malik Abdul Wali Khan Kakar, as well as phase one of the 1MW solar project at the university. Details surrounding the data center's capacity have not been shared. DCD has reached out for more information.

    At the inauguration, Kakar said that the public sector universities in Balochistan must generate their own resources and become financially self-sufficient, they will struggle to continue in the coming years. He also noted the importance of “creating harmony with modern science and technology.”

    Kakar further said that additional measures would be taken to “improve the quality of education in higher education institutions and promote research activities.”

    UoT is connected to PERN 2 (Pakistan Education & Research Network) which provides organizations with access to Internet services, an intranet, a National Digital Library, VoIP, and local content hosting in the cloud.

    According to Data Center Map, Pakistan’s data center market is primarily located in Islamabad, Karachi, and Lahore. In August of last year, Pakistan experienced nationwide outages after flooding damaged cables.

    Norwegian Telco Telenor has been trying to get out of the Pakistani market for months. In November 2022, it announced it was looking at a $1 billion exit from the country, with PTCL looking to make an offer in February.

  • Riaz Haq

    Technology is transforming governance in Pakistan
    IRUM TOUQEERCLELIA RONTOYANNI|APRIL 02, 2019

    https://blogs.worldbank.org/endpovertyinsouthasia/technology-transf...


    Technology is changing our world faster than ever before.

    And Pakistan, home to more than 64 million internet users and 62 million people connected to mobile data, is no exception.

    As they’ve become more digital-savvy, Pakistanis are now expecting better digital services from their government.

    To meet these demands, the Government of Punjab has been working to modernize over the last decade .

    As part of the government’s governance reforms, and learning from earlier pilot programs in education and health, the Punjab Public Management Reform Program (PPMRP) has aimed to transform citizens’ experience, improve access to administrative services, and boost public employee performance and the management of public resources.

    Before that, Punjab authorities were facing several challenges in delivering public services. This, in turn, impacted social outcomes in the province: the health sector’ performance was affected by the absenteeism of vaccinators, resulting in a low immunization rate in Punjab (49% in 2014).

    The education and agriculture departments faced similar absenteeism issues with teachers, students, and agriculture workers in the field.

    Overall, citizens were dissatisfied with these public services.

    A more transparent access to public services

    Under the Punjab Transparency and Right to Information Act 2013, the Government of Punjab has become more open and accountable through technology solutions .

    Citizens now have easy access to information about institutions, policies, procedures, and investment projects available on the websites of 84 provincial public entities , including government administrative departments, attached bodies, hospitals, and universities.

    Citizens can also enquire about processes and procedures of selected services through a 24/7 Citizens’ Contact Center established in Lahore.

    The number of inquiry and feedback calls increased from 50,000 calls received in 2013 to 2.9 million in 2018 . Province-wide, 161 citizens’ facilitation centers have been set up to provide selected services under one roof and closer to the citizens – promoting social accountability in Pakistan’s largest province.

    PPMRP also helped expedite the online provision (application and processing) of other government services, such as registering a vehicle, paying for stamps, collecting agriculture subsidies, and applying for a government job and college admissions.

  • Riaz Haq

    Technology is transforming governance in Pakistan
    IRUM TOUQEERCLELIA RONTOYANNI|APRIL 02, 2019

    https://blogs.worldbank.org/endpovertyinsouthasia/technology-transf...


    Smart management to improve staff performance

    The PPMRP also developed smart management tools to help some government departments improve their staff performance and overall user experience .

    For example, smartphone applications and central dashboards helped track and analyze daily more efficiently the activities of hundreds of field workers in the health, agriculture and education departments.

    Combined with users’ feedback, this data helped identify low performing areas and take remedial measures.

    In the health field, E-VACCS has been instrumental in tackling absenteeism of field vaccinators by locating their daily activity routes (and activities), thereby enabling the management of Health Department to check whether children in remote areas had received their vaccinations.

    As a result, immunization coverage marked a rise from 49 percent in 2014 to 84 percent in 2017 .

    Similar tools have helped assess staff performance in schools and the agriculture sector and, when applicable, informed remedial actions for improvement.

    Digitizing tax collection

    The PPMRP also supported technology solutions to collect taxes better, thus expanding the tax base and improving transparency.

    For example, old manual cadasters of urban properties have been digitized and geo-mapped in all 36 districts of Punjab, adding more than 1 million new properties to the tax base.

    This system helped issue digital tax invoices and provide an online tax calculator and online property title verification system. Citizens can also now access detailed information about transactions and when their payments are due.

    As a result, the urban property tax receipts in Punjab have increased by 115 percent since 2013 .

    Together, these promising initiatives and reforms have changed the governance landscape in Punjab and brought government services a step closer to citizens.

    PPMRP’s key implementing agencies include Punjab Planning and Development Board; Punjab Excise, Taxation and Narcotics Control Department; Punjab Public Procurement Regulatory Authority; Punjab Information Technology Board, and Punjab Reform Management Program, while there were several beneficiary departments of the Government of Punjab (for details, see PPMRP).

  • Riaz Haq

    Chinese firm starts to lay 16,000-km-long fibre-optic cable in Pakistan


    https://www.thenews.com.pk/print/1072079-chinese-firm-starts-to-lay...

    This was stated by Tony Lee, Chief Executive Officer of Sunwalk Pvt Limited, during a ceremony held in Islamabad. This Chinese company had already invested $5 million in Pakistan, and now planning to invest $100 million for laying optical fiber in other parts after getting Right of Way (ROW) from different public sector departments.

    Tony Lee said Sunwalk is focusing on fast deployment and concentrating on quality according to the ITU-T Standards. “We are always committed to the best services in Pakistan”, he said.

    Two months ago, Sunwalk Group Chairman Hou Xing Wang told Federal Minister for IT and Telecom Aminul Haque in a meeting Sunwalk Group will soon start laying fiber cable across the country with substantial investment.

    According to an official statement about the project, Ms Afshaan Malik, Chief Business Officer of Sunwalk Group Pakistan, said keeping in view Pak-China long-term strategic relationships, Sunwalk has fulfilled its promise by initiating the national fiber backbone project. Sunwalk is committed to providing optic cable to the people of Pakistan, she said.

    In this connection, groundbreaking of Phase-1 (Islamabad to Multan) to provide nationwide fiber backbone was done on Thursday. Afshaan further said Sunwalk is in the process of getting ROW from government departments. After getting that $100 million will be invested, she said.

  • Riaz Haq

    Pakistan’s digital dynamo: Arslan Sadiq’s journey of creating a web of social impact

    Read more: https://www.digitaljournal.com/business/pakistans-digital-dynamo-ar...

    ByJon Stojan PublishedJune 29, 2023

    Opinions expressed by Digital Journal contributors are their own.

    In today’s digital age, the internet emerged as a disruptive force, irreversibly transforming how societies interact, transact, and evolve. It has become a global town square, a market, a classroom, and a platform for innovation and change. While many have leveraged the power of the digital world for personal or commercial success, others have ventured to harness this force for broader societal change. This is the tale of Arslan Sadiq, a Pakistani entrepreneur who uses the internet as a catalyst, not just to propel his own entrepreneurial journey but to drive profound social impact across Pakistan.

    Arslan, an early tech adopter, saw the internet’s potential from the get-go. Beginning his journey in the digital marketing space, Arslan demonstrated exceptional acumen for the field and quickly rose through the ranks. His determination and innovative thinking led him to establish the Global Hosting Service, a leading provider of domain registration and dedicated servers, along with services in VPS, hosting resellers, shared hosting, and SEO hosting. The brand also ventured into web and software development, SMS/email, and social media marketing services, proving itself as a comprehensive solution in the digital arena. Today, the company stands tall as a Gold Channel Partner of the .PK registry and is globally recognized as the top seller of .pk domains.

    As he ascended the ranks of digital influence, Arslan quickly evolved from an entrepreneur into an influencer. That’s when he discovered the immense potential of the digital world as a platform for advocacy. His transformative vision propelled him into leadership roles within more than 150 youth organizations across Pakistan, culminating in the creation of Pakistan Youth Activism. In addition to his role as CEO, Arslan serves as the Editor-in-chief of The Post Pakistan, using journalism to shed light on vital issues. His prowess in the digital sphere also led him to become a Digital Media Consultant for top-tier businesses such as Green Entertainment TV, Imarat Group, and Agency 21 International.

    Beyond the corporate realm, Arslan extends his sphere of influence into other areas of social transformation. He is also the founder of Pakistan’s largest IT Group and bloggers group, assembling diverse communities into a potent force for change. His digital footprint continues to grow as he manages a vast network of pages, groups, and forums, fostering a sense of unity and shared purpose among millions of followers.

    Arslan’s work has always been underpinned by a profound commitment to social advocacy. This commitment finds expression in his various roles, including Patron in Chief of the Global Youth Association and Chairman of the Advisory Council of Volunteer Force Pakistan. He’s also stepped into the medical field as the Social Media Head of the Young Doctors Association, representing the voice of the healthcare sector.

    With over 10 million followers on various social media platforms, Arslan’s digital influence is unquestionable. However, it’s the ability to use this influence to drive change that truly sets him apart. His efforts have demonstrated that the digital world can be more than a market or a forum—it can be a powerful tool for driving social transformation and creating lasting impact. In short, Arslan Sadiq is not just an entrepreneur or a digital influencer; he is a digital dynamo, tirelessly spinning a web of social impact across Pakistan.

  • Riaz Haq

    The newly launched People’s Bus Service in Karachi now allows residents to track buses in real time using a smartphone app.

    https://gulfnews.com/world/asia/pakistan/pakistan-karachi-residents...

    The Sindh government introduced the app for iPhone and Android users, offering information on bus fares, timings, and other essential details.

    It also enables real-time monitoring of the bus service.

    Sindh Information Minister Sharjeel Inam Memon stated that the People’s Bus Service aims to provide comfortable commuting facilities to urban residents.

    Additionally, the government has introduced electric and Pink bus services specifically for women passengers.

    The People’s Bus Service has been expanded to seven cities within a year, with the Sindh government subsidizing millions of rupees monthly for affordable and uninterrupted mass transportation.

    The government’s priorities include modernising mass transit services, such as the environmentally-friendly biogas-fuelled Red Line section of the Bus Rapid Transit Service (BRTS) in Karachi.

    A total of Rs 200 billion will be invested in constructing the Red Line and Yellow Line sections of the BRTS.

  • Riaz Haq

    Aatif Awan
    @aatif_awan
    1/ Starting from Pakistan's heartland & now expanding to the world's farm (Brazil), what a journey it's been for the
    @FarmdarOfficial
    team. Congrats to them on launching AgromAI, a fintech venture in Brazil that leverages AI & geospatial data to create agri financial solutions

    https://twitter.com/aatif_awan/status/1676570789913542657?s=20

    -----------------


    Aatif Awan
    @aatif_awan
    2/ Think insurers having highly accurate, individual farm-level intelligence to underwrite crop insurance. Imagine banks using the same information to provide credit to farmers. At $170+ billion, Brazil is one of the top agri markets. Crop insurance alone is at ~ $2B annually


    -------------


    Aatif Awan
    @aatif_awan
    3/ What's amazing is that the tech is built in Pakistan by Pakistani product and engineering talent. And it's finding traction in one of the largest markets for agritech


    ------------------


    Aatif Awan
    @aatif_awan
    4/ Really proud of the Farmdar founders
    @MBukhari80
    ,
    @MujiManghi
    , Ibrahim Akbar Bokhari and the entire Farmdar team on this huge milestone. Congrats team!

    We hope this will inspire many other "Made in Pakistan, For the World" products

    -----------

    Pakistan’s Farmdar Has Just Launched a New FinTech Startup in Brazil

    https://www.techjuice.pk/pakistans-farmdar-has-just-launched-a-new-...

    https://twitter.com/FarmdarOfficial/status/1676487324614402050?s=20

    Named ‘AgromAI’, Farmdar’s fintech startup in Brazil will use artificial intelligence (AI) and geospatial data to provide financial services
    Pakistan based agri-tech startup ‘Farmdar’ has just announced the launch of its new fintech venture. What’s unique about this new expansion is the fact that it is based in Brazil; a new industry in a new country, sounds exciting right?

    Named ‘AgromAI’, Farmdar’s new fintech startup will utilize artificial intelligence (AI) and geospatial data in order to provide financial services, but how would it do so?

    Well, according to Farmdar co-founder and CEO Muzaffar Manghi, Latin America is going through a severe climate change, therefore both rainfall and temperatures are evolving at a massive speed, putting both insurers and agricultural business at risk.

    AgromAI, using its geospatial data and artificial intelligence systems, will make sure that financial institutions and insurers can avoid and respond to these risks. Having individual farm-level intelligence, these insurers and institutions will have the best insurance risk management in place, allowing an increased productivity and growth in Brazil’s agricultural sector.

    “Pakistani technology will be used by some of the largest businesses in the world, and with more developed markets as a stomping ground,” said CEO Muzaffar Manghi while talking about the new startup.

    “We are extremely proud to export our artificial intelligence and data-backed products developed solely by Pakistani engineers. This is a testament to the innovation of Pakistani talent and their potential to make a contribution to the global agritech industry,” said Farmdar in its official press release.

    Agriculture makes up for a large part of the Brazilian economy, with the country being the world’s third-largest exporter of agricultural products and an agricultural production valued at $170+ billion, whereas Brazil’s crop insurance market, the primary target for AgromAI, accounts for over $9+ billion annually.

  • Riaz Haq

    MORE THAN A COUNT: INSIGHTS FROM PAKISTAN’S FIRST DIGITAL CENSUS


    https://tribune.com.pk/story/2421210/more-than-a-count-insights-fro...

    After a delay of one month, the 2023 Housing and Population Census was carried out in March, with a significant technological twist. The headcount, for the first time in Pakistan’s history, relied on a digital approach with the aim of making the process more efficient and accessible to Pakistanis, and revolutionising the way the data is collected. The result was the implementation of the Digital Census Self-Enumeration Portal, which was made available to the public from February 20 to March 3.

    According to the Pakistan Bureau of Statistics (PBS), which conducts the census, citizens could register their family and home details by themselves at the portal using a registered mobile device. A door-to-door digital count was then conducted between March 1 and April 1 to verify the information citizens who used the portal had recorded and to count those who did not self-enumerate.

    But even as it marked a huge step forward for the nation, the decision to conduct the census digitally has not been without hurdles. The previous government had given a go-ahead for the headcount as far back as October 2021, with the exercise originally scheduled for the same month the following year. But its ouster following a vote of no-confidence allowed the date to be pushed to February this year, with the PBS required to submit its data on April 30.

    The PBS then delayed the headcount once more to March, reportedly for both political and procedural reasons, with the incumbent government appearing to benefit as it provided justifiable grounds to continue its tenure until August this year amid the legal challenges it faced. Ensuring the count was carried out within the stipulated timeline was also contingent upon the availability of around Rs22 billion at a time the country’s economy is trapped in a negative spiral.

    The enumeration concluded throughout the country on May 22 and the preliminary results were announced a day later. The total population of Pakistan (including the Islamabad Capital Territory, but excluding Gilgit-Baltistan and Azad Jammu and Kashmir) came out to be nearly 250 million – 249,566,743 to be exact.

    In Pakistan, a census is supposed to be carried out every ten years so that elections and government policies and planning can better reflect demographical changes our ever-growing populous nation has gone through. For one reason or another, the exercise has been subjected to fits and starts. The last census was conducted just six years ago in 2017, although the results were challenged and made controversial by various political quarters. The 2017 exercise was carried out 19 years after the last one in 1998, which too took place 18 years after the one before.

    Although the digital approach this time around marked a significant development, it has attracted its set of controversies too with several stakeholders concerned whether the final detailed population breakdown will reflect an accurate demographic picture of the country. As we wait, The Express Tribune sought insights on the exercise from across the country to make better sense of the positives and negatives.

    Demystifying the digital approach

    Speaking to The Express Tribune, the PBS director for Sindh Munawar Ali Ghangro explained why the seventh national census of the country was carried out so quickly after the last one. “When the Council of Common Interests released the results of the 2017 census, it did so on the condition that a fresh headcount was be carried out before the next general elections,” he recalled.

    Discussing how digital tools ended up being relied upon for the 2023 census, Ghangro shared that that in the year-and-a-half since they received the directives for a new headcount, the PBS planned the exercise around new technologies and techniques. “This year, thus, marked the first-ever digital census and we are still processing the results.”

  • Riaz Haq

    MORE THAN A COUNT: INSIGHTS FROM PAKISTAN’S FIRST DIGITAL CENSUS


    https://tribune.com.pk/story/2421210/more-than-a-count-insights-fro...


    The main idea of the huge exercise of conducting a housing and population census is the development of policy and planning with the extensive data collected. The federal government arranges and make all the decisions, while provinces manage the operational end, or in other words the technical and financial support is provided by the federal government, while human resource and operations are done by the provinces.

    The senior PBS official from Sindh emphasised that such a large operation does not depend on just one department and its decisions. “Numerous resources from several departments are involved and [their officials are] assigned duties accordingly,” he said. “[For the 2023 census] the ground results were shared via dashboards and monitoring tools with assistant commissioners of districts in Sindh, Punjab, and Khyber-Pakhtunkhwa who work as census district officers (CDOs). In AJK, G-B and Balochistan, the deputy commissioners plays the role of CDOs. In the eight cantonment areas of Sindh, the cantonment executive officers work as CDOs,” he said.

    He added that the digital census was a leap forward for Pakistan and will contribute positively by revising and upgrading policies in the spheres of general elections and distribution of resources as per population count with reference to their province-wise geographical strength.

    The census experience in Sindh

    According to news reports, the National Database and Registration Authority (Nadra) had purchased all 126,000 tablets required for the exercise and had configured them with its software, to be used by as many as 121,000 individuals. “In just Karachi, around 10,000 resources were used to conduct the whole procedure. In the rest of Sindh, just 23,000 resources including monitors, administrators, enumerators and PBS staff were used,” shared Ghanghro.

    For the household count, a team of two members went door-to-door with an enumerator and a police constable. Every five to six such teams reported to a supervisor. Data was collected in several categories that include, individual, household, house count, structure, units, and characteristics. The reason for these categories is that each building structure is not a house and each house does not have just one household, so several families residing together are counted in several categories.

    “Due to self-enumeration, the burden of the workforce was decreased, and self-credibility developed among people as they felt more confident that the data cannot be tampered with or changed in the digital system,” Ghangro said. He added that despite the self-enumeration, field workers went to each household and re-checked the data.

    The main reason for going door-to-door was that each structure was geo-tagged in the process, the senior PBS official said. According to him, the data collected is not just used for political purposes, but for planning and policy for development, education, energy and mining, foreign economic assistance, foreign trade, health, insurance, labour, manufacturing, money and credit, national accounts, population, public finance, social and culture, transport, and communications. “Every government department or area of function has their own concerns, purposes and perspective so they take the data accordingly,” said Ghangro. “Education pulls the data to see what would be the need for schools in the next five years, the health department to see whether more hospitals will be required and in what areas. If the elderly population is greater or if the youth population is greater in a certain area, then what development projects can be looked at. So each department plans and uses the data as per their need and requirement.”

  • Riaz Haq

    The number of 3G/4G subscribers in Pakistan has shown a year-on-year growth of 9%. In May 2023, the total number of subscribers reached 124.1 million, compared to 113.9 million in May 2022. There has been a slight decline of 0.7 million subscribers during the months of April and May 2023. Moreover, the factor behind decrease/decline can be attributed to the implementation of Multi Finger Biometric Verification System (MBVS). Fraudulent/artificial sale activation of SIM cards has largely stopped.

    https://www.phoneworld.com.pk/significant-decline-in-3g-4g-users-ca...

  • Riaz Haq

    TECHNOLOGY AND TEACHERS
    Article by Andrew Sharp Photos courtesy of Sabrin Beg May 05, 2023

    https://www.udel.edu/udaily/2023/april/effects-technology-education...


    Lerner College (University of Delware) professors explore how electronic devices impact classrooms in Pakistan


    Developing countries like Pakistan are struggling to improve education, the researchers wrote, and their governments tend to use several strategies. One is to supply technology directly to students in an effort to make up for teachers’ shortcomings. The other is costly investment in teacher training, which may not be effective if governments don’t pour substantial resources into the design and support of the project.

    This research has important implications for how to improve education in countries facing similar dilemmas.

    “Every country, everywhere in the world, has a constrained budget, right?” Lucas said. “That’s why there are economists. And so this is just thinking about how to use those scarce education resources most effectively.”

    That’s where the research comes in. The government of Punjab province in Pakistan developed digital teaching material featuring expert teachers, and wanted to know if it would be more effective to give preloaded tablets with the high quality material to each student, or to give one tablet to the teacher along with a display screen so the teacher could present the material. The digital lessons included explainer videos, review questions and more.

    Through a connection of Beg’s in Pakistan, the UD pair was brought on board to conduct the study. They examined student performance among classrooms using a randomized controlled trial in which randomly selected schools used the two different kinds of digital lessons, while control schools operated as usual. The government of Punjab provided the technology.

    One outcome that surprised Beg and Lucas was the magnitude of the effects. The study found a stark difference between the outcomes of the different approaches to delivering the digital material.

    The eLearn classrooms — the ones focused on providing material to teachers — did improve student learning, with students outperforming the control group by a whopping 60%. They were also 5% more likely to pass the standardized test at the end of the academic year.

    The students who each got tablets, but whose teachers could not display the content to the class, actually performed 95% worse than the control group.

    “Basically, it’s like (these) students almost learned nothing … relative to the control students,” Lucas said.

    When each student received a tablet, Beg said, there wasn’t a way for teachers to engage with the technology. “It made it actually maybe harder for the teachers to make it part of their regular classroom teaching, whereas the screens (eLearn Classrooms) did the opposite.”

    In other words, “One of the more important takeaways was that teacher engagement seems to be an important ingredient in making technology successful in the classrooms,” Beg said. Also, “It’s not something that will solve all learning crises in developing countries, but that (technology) should be integrated into the classroom.” Appropriately, of course, to avoid the negative effects.

    A lot of governments, she said, find technology very promising but don’t know exactly how to integrate it to make it useful.

    There’s been a tendency, Lucas said, to bypass teachers using tech or after-school programs that basically create a parallel education system. “But … what this shows is no, these teachers are capable of delivering more learning to their students. And (in this case) the way that this happened was through technology.”

  • Riaz Haq

    CONNECTING PAKISTAN
    Covid-19 as a Catalyst for Digital Transformation

    https://www.tabadlab.com/wp-content/uploads/2021/05/2021-05-25-Taba...


    Executive Summary
    Covid-19 has altered the fundamentals of how societies and economies organised
    and operated in an ever-connected world. The pandemic has disrupted and
    altered the connectivity in three foundational ways. It changed human-to-human
    interaction, it undermined the capacity of individuals and firms to engage in
    economic activity, and it reduced the financial connectivity that drives economy.
    At the heart of the response to this compromised connectivity were mobile and
    internet services. The pandemic required two immediate policy actions. The first
    was to tackle infection-enabling behaviour, and the second was to limit infectionenabling connectivity. Furthermore, the pandemic’s impact on livelihoods, on
    learning, on healthcare and on transactions of all kinds needed to be mitigated. In
    each case, it was the digital realm in which the immediate solutions to the impact
    of Covid-19 were found.
    Over 160 million Pakistanis experience digital through their mobile phones. The
    pandemic has demonstrated how integral mobile phones were in restoring
    human, transactional, and financial connectivity, and are now where key
    interactions take place. Mobile operativity is enabled by the telecom sector, which
    has a crucial role to play in ensuring connectivity and expanding our digital
    economy. However, the telecom sector must start to think about connectivity in
    terms of value creation. Human, financial and transactional connectivity has the
    potential to generate new ideas, services, tools and opportunities for economic
    growth if the correct mindset is applied.
    The wider impact of the telecom sector’s response to Covid-19, however, is likely
    yet to be seen. The pandemic response has laid bare the spectrum of issues that
    prevent digital connectivity in Pakistan—a pathway to rapid and sustainable
    economic growth and social development. Disparities in digital access cut across
    income levels, gender and the rural-urban divide. The quality of digital services
    remains inefficient due to low Internet bandwidth, barriers to innovation and a
    need for better decision-making capacity at the policy level. Lastly, there is
    potential for higher levels of digital adoption, as Pakistan has a relatively high
    usage gap where 54% of people who are covered by broadband networks do not
    subscribe to broadband services.
    How can Pakistan catalyse a digital transformation? The country requires a
    coherent policy framework for mobile, internet and the wider telecom sector. One
    important aspect of coherence is the establishment of a broader ecosystem in
    which telecom can thrive. A key driver of digitalisation is the extent to which
    government adopts and adapts digital solutions, especially in its engagement with
    citizens. Enhanced engagement, usability and responsiveness of government
    through technology is thus crucial for a national digital transformation. The
    normative place of digital in Pakistan needs to be affirmed through clear and
    comprehensive policy and communication efforts. Technically, Pakistan needs to
    prioritise optimising spectrum allocation in a manner that drives economic growth.

  • Riaz Haq

    Revenue in Pakistan Laptops market amounts to US$0.88bn in 2023. The market is expected to grow annually by 5.52% (CAGR 2023-2028).
    In global comparison, most revenue is generated in China (US$23,250.00m in 2023).
    In relation to total population figures, per person revenues of US$3.75 are generated in 2023.
    In the Laptops market, volume is expected to amount to 1.54m pieces by 2028. The Laptops market is expected to show a volume growth of 2.5% in 2024.
    The average volume per person in the Laptops market is expected to amount to 0.01pieces in 2023.

    https://www.statista.com/outlook/cmo/consumer-electronics/computing...

  • Riaz Haq

    Pakistan - Country Commercial Guide



    https://www.trade.gov/country-commercial-guides/pakistan-computers-...


    This is a best prospect industry for this country. Includes a market overview and trade data.

    Last published date: 2022-11-10
    Overview
    (US$ Million)

    Table: Total Market Size


    2019

    2020

    2021

    2022* (Estimated)

    Total Local Production

    1.75

    1.00

    1.20

    0.95

    Total Exports

    0.00

    0.00

    0.0

    0.0

    Total Imports

    431.55

    395.73

    414.78

    443.81

    Imports from the US



    53.20

    46.55

    48.17

    52.98

    Total Market Size

    433.30

    396.73

    415.98

    444.76

    Exchange Rates

    152.34

    158.82

    159.02

    210.17

    * Sources: Pakistan Economic Survey 2021-22, Ministry of Finance, Government of Pakistan

    Pakistan Bureau of Statistics, Government of Pakistan

    Local chambers of Commerce and Industry, Trade Essociations, and Market Experts
    Despite the global pandemic and domestic macroeconomic challenges, Pakistan’s market for computers and peripherals has seen a steady growth trajectory during the last fiscal year. With virtually no domestic production, the country relies heavily on imports. The local market is generally receptive to U.S. brands, mainly due to the quality and reliability of their products; however, other foreign brands from Japan, South Korea, Malaysia, Taiwan, and China offer a strong competition. Major U.S. brands such as Dell, Hewlett Packard, Intel, Microsoft, and Cisco have established a strong presence in Pakistan.

    The information technology (IT) in Pakistan has seen an overall healthy uptick in growth during the last year. Despite overall macroeconomic pressures, the computers and peripherals sector has retained its position as a major prospective sector for the U.S. companies. The public and private sectors in Pakistan place a high priority on the introduction, availability, and utilization of computers and other IT equipment in routine and critical workflows. The Government of Pakistan (GOP) through the National IT Policy emphasizes computer availability, usage, connectivity, and skills development. In addition, the GOP has launched several projects and incentive schemes to ensure a widespread availability of computers to the local consumers. Some of the initiatives include development of software technology parks; special technology zones; the provision of demand-based training; increasing internet penetration through multiple mediums including broadband, wireless broadband, and fiber optic; research and development; digitization of public-sector records, technology incubation centers; and training and skills development centers. According to industry expects, the demand of IT equipment related to cyber security sub-sector is also expected to grow by at least 3 percent in the next few years.

    The primary users of computers and peripherals in Pakistan are private businesses; IT services companies, software development houses, call centers, Business Process Outsourcers (BPOs), internet service providers, public and private sector incubation centers, educational institutions, freelance developers, and private users. There are more than 3,000 IT and IT-enabled companies, employing over 100,000 qualified IT professionals in Pakistan. Software development, including specialized application development has emerged as a major business sub-sector during the last several years. According to the latest statistics, there are approximately 25,000 qualified professionals associated with this sub-sector and this number is expected to grow at an annual rate of 3-4 percent in the coming years.

  • Riaz Haq

    Supernet Wins Major Optical Fiber Supply and Deployment Project worth PKR 150 million

    https://www.techjuice.pk/supernet-wins-major-optical-fiber-supply-a...

    Supernet Limited (“Supernet”) has secured a sizeable telecommunications infrastructure development project from a Pakistani mobile network operator.

    The project valued at over PKR 150 million includes the supply of optical fiber and associated equipment and its deployment in different areas of Punjab. The total length of different segments constituting this project is approximately 140 kilometers.

    With this project, Supernet has reached a significant milestone of 1,000 kilometers of optical fiber supply and deployment projects awarded by mobile network operators in Pakistan.

    Head of Business Unit-Telecoms & Defense at Supernet, Ali Akhtar said:

    “We are excited to play our part in the expansion of telecommunications infrastructure in Pakistan and supporting the proliferation of communications and digital services by mobile network operators in the country. We are ever grateful to our customers for repeatedly trusting Supernet. The optical fiber business line is a relatively new endeavour for Supernet and the 1,000 kilometres mark is a testament to our capabilities and the springboard for further growth in this segment. This is a strong start to 2022 and we will strive to keep the momentum going.”

    Supernet Limited, one of Pakistan’s leading telecommunications service providers and systems integrators, has been operating since 1995. Supernet offers a full portfolio of local-to-global integrated communications infrastructure solutions to Telecoms, Defense, Enterprise, and Government entities.

    Supernet’s “Connectivity” products and services include a broad spectrum of Wide Area Network (WAN) and Metropolitan Area Network (MAN) solutions based on satellite, fiber optics, microwave, and radios. In recent years, Supernet has established its expertise in domains including cybersecurity, power, networking, and surveillance solutions as part of its “Beyond Connectivity” initiative thereby offering a richer portfolio of solutions and services to customers.

  • Riaz Haq

    The first fintech service in Pakistan was introduced in 2009 by telecom company, Easypaisa. At first, the service only provided money transfers. However, it has since introduced a mobile app that offers a wide range of financial services, making it Pakistan's first fintech platform.

    https://www.forbes.com/sites/forbesbusinesscouncil/2023/08/17/the-f...

    Now, Pakistan has a wide range of mobile financial services (MFS). Their usage level is significant because these services allow individuals to set up a mobile money account using their SIM number. Mobile financial services are convenient and offer essential financial services such as money transfers and bill payments. These services do not have any physical banks but instead rely on agents (vendors) nationwide.

    Banks often provide their users with an online banking experience either by creating a portal or an app. However, only a few bank MFS apps enable customers to perform financial transactions while others simply provide information on a user’s financial status.

    Fintech Startups: Neobanks
    Even though the existing services offer a decent mobile financial experience to their users by taking care of basic needs, this is not fintech at its true scale. Pakistan has seen a significant increase in fintech startups in recent years. These neobanks operate entirely online without any physical banking network. They allow users to open a bank account, make instant payments, transfer money, pay bills and create virtual cards.

    However, the question remains, what are the keys to a successful fintech startup in Pakistan?

    Challenges Faced By Fintech Startups In Pakistan
    1. Market Saturation And Limited Investment
    The fintech market is already filled with incumbent organizations. These organizations are not always welcoming of innovation, which is an issue for upcoming fintech companies trying to find partnerships or investments.

    And since most of the fintech services in Pakistan are owned by well-established banks or telecommunications companies, almost all funding and investments are directed toward them, leaving fintech startups with limited venture capital and funding opportunities.

    2. Poor Financial Inclusion
    Pakistan's financial inclusion status is below average, ranking 16th out of 26 countries in a Brookings report. Despite 80% of financial services being provided by the banking sector, they serve only 15% of the population, which is a significantly low percentage.

    A survey by the State Bank of Pakistan revealed that basic financial literacy is possessed by only 23% of Pakistan’s population. The World Bank states that about 100 million adults in Pakistan are not even aware of the regulated financial services provided in the country. This number represents 5% of the world’s 2 billion unbanked people.

    3. Unreliable Infrastructure
    The digital infrastructure in Pakistan also needs to be improved. A clear example is the nationwide internet blackouts, which make internet services in Pakistan unreliable. This uncertainty and unreliability of the internet can disrupt transaction processing and service delivery. Payment services like Paypal are also nonexistent in Pakistan, which shows the massive lack of digital payment infrastructure in Pakistan’s cash-based economy.

    4. Regulatory Failures
    Despite implementing regulations such as the Regulations for Mobile Banking Interoperability and creating the Third Party Service Provider (TPSP) License that highly favor fintech startups, not all policies by Pakistan's government are friendly to fintech advances; a clear example of this is the 2018 ban on cryptocurrency trading and mining.

  • Riaz Haq

    TPL Maps - Pakistan’s first consumer navigation app set to revolutionise travel

    https://www.dawn.com/news/1770618

    TPL Maps, a subsidiary of TPL Corp, announced the launch of their consumer navigation app, the nation’s first smart maps application that brings cutting-edge location data, location intelligence, and GIS services to both corporate institutions and individual users. The app is set to transform the way mapping is done in Pakistan, while also empowering businesses to harness the power of location-based data and intelligence for scaling their operations.

    TPL Maps, debuted the beta version of the app on Monday August 14, 2023. This ground-breaking app designed to provide local users with fuel-efficient route optimisation, public transport and mass transit information, and hyper-local landmark-based navigation, all in one platform.


    “We are thrilled to introduce the TPL Maps app, a game-changer in the mapping landscape of Pakistan,” said Sarwar Khan, CEO - TPL Maps. “Our team of Pakistani engineers and data scientists worked tirelessly to create a comprehensive mapping solution that caters to both individual users and corporate entities. With its advanced features and unparalleled accuracy, TPL Maps will redefine how Pakistanis navigate and how corporations utilise location-based data.”

    As the pioneer in Pakistan’s location technology industry, TPL Maps boasts the largest localised data catalogue of over 8 million Points of Interest, spanning more than 350 cities nationwide. The app boasts a robust database maintained and expanded by a team of over 100 dedicated employees, including 20 skilled data scientists.

    Their dedication to innovation is further reinforced by the wealth of big data that fuels TPL Maps. With inputs from over 8 million Point of Interest, a road network spanning over 1 million kilometers, and a comprehensive archive of over 550,000 cartograms, the app offers unparalleled precision and detail in its mapping services.

    During its two years in operation, TPL Maps has earned the trust of local and international brands alike by leveraging the power of location. Its seamless integration of location intelligence and GIS services has enabled businesses to make data-driven decisions, optimise resource allocation, and increase their revenues.


    “Through TPL Maps, we aim to empower businesses across Pakistan to understand the significance of location and harness its potential for business growth,” said Khan. “With our strong grasp over location technology, we are here to guide our clients on how they can leverage location data and intelligence to drive business performance, identify cost-saving opportunities, and improve their overall efficiency.”

    The launch of TPL Maps marks a significant milestone in the evolution of location intelligence in Pakistan. Its user-friendly interface, paired with a wealth of accurate and up-to-date data, positions TPL Maps as the industry leader in providing smart mapping solutions that cater to diverse needs.

    To experience the power of TPL Maps firsthand, users can download the app from the App Store/Play Store, available for both iOS and Android devices and Flutter. For corporate institutions looking to scale their operations and optimise performance, TPL Maps is ready to provide personalised solutions tailored to their unique requirements, offering 30,000 free hits for trial.

  • Riaz Haq

    Pakistani FinTech Neem secures strategic investment from DNI Group

    https://fintech.global/2023/06/26/pakistani-fintech-neem-secures-st...

    It has been announced that Neem, an innovative Pakistani FinTech startup, has entered into a strategic partnership with DNI Group.

    Neem is renowned for its commitment towards revolutionising financial accessibility and inclusivity across emerging markets, particularly in Pakistan.

    The company has secured significant financial investment from DNI Group, a globally recognised investment firm with operations across 28 countries. The deal signifies a vote of confidence in the embedded finance model and is reflective of the burgeoning Pakistani digital tech ecosystem.

    Neem is in the process of developing a Banking-as-a-Service platform. Their vision is to foster financial wellness among underserved communities. The business aims to empower numerous digital platforms across different industries, by offering their customers a comprehensive suite of embedded finance products through secure, API-based integrations.

    The new funding will further strengthen Neem’s commitment to financial wellness, an ethos that revolves around the principle that individuals and businesses can take control of their financial lives with the right tools and access.

    It is also expected to enhance Neem’s collaboration with other portfolio companies under the DNI Group umbrella, such as Airvantage, an airtime lending firm, and Paymenow, an earned wage access solution provider.

    Neem has always sought to make a significant impact in its homeland of Pakistan, whilst nurturing the ambition to expand into other emerging markets in the long term. With the strategic investment from DNI Group, Neem believes it has found an experienced global partner capable of aiding them to realise this goal.

    Ross Venter, CEO of DNI’s technology arm, Digital Ecosystems, expressed his excitement about the partnership. He said, “DNI is thrilled to join forces with Neem, a team of like-minded individuals operating in a vibrant, growing economy.

    “Neem’s mission to provide financial wellness to the Pakistani market aligns perfectly with DNI’s objectives of empowering people and enhancing financial and digital inclusion. Through DNI’s strategic investment in Neem, we aim to accelerate the development, exchange, and commercialisation of our respective technologies for the benefit of consumers within our global communities.”

    Despite challenging macroeconomic circumstances, the digital ecosystem in Pakistan continues to thrive and innovate. Neem is unwavering in its commitment to fostering financial resilience and prosperity for the people of Pakistan and beyond.

  • Riaz Haq

    Google Gen AI on Agtech in Pakistan:

    Pakistan is one of the world's largest producers and suppliers of food and crops. The country's agriculture sector consists of four subsectors:
    Food and fiber crops
    Horticulture and orchards
    Livestock and dairy
    Fisheries and forestry
    Pakistan's major crops include wheat, cotton, rice, sugarcane, and maize. These crops contribute around 4.9% to the country's total GDP.
    Some of the top agriculture startups in Pakistan include: Pak Agri Market, ZD&K Farms, Radical Growth, Mohalla, Khalis Fertilizers.
    Some of the top agritech startups in Pakistan include:
    Tazah Technologies
    Agriculture Republic Pakistan
    Crop2X Private Limited
    Fowrry Technologies Private Limited
    zamindar
    SUSTAINABLE AGRI IS
    Startups in Pakistan are developing IoT solutions for smart irrigation, such as solar-powered tube wells, or for animal data, such as Cowlar, a solar-powered fitbit for cows.

  • Riaz Haq

    Why aren’t farmers using new tech?
    Kai Ryssdal and Sofia Terenzio
    Aug 30, 2023

    https://www.marketplace.org/2023/08/30/why-arent-farmers-using-new-...

    Agtech, short for agriculture technology, is a growing industry that’s using data tools and software to help farmers improve yields and use fewer resources.

    With population growth increasing the global demand for food and climate change hurting crop yields, a swift adoption of agtech may be needed now more than ever. Yet, farmers are hesitant about embracing these new technologies.

    What’s in the way of farmers quickly adopting agtech, and how can the industry get more farmers on board?

    “Marketplace” host Kai Ryssdal talked to reporter Belle Lin from the Wall Street Journal about her recent article on why so few farmers are using agtech. Below is an edited transcript of their conversation.

    Kai Ryssdal: Could we have a quick primer, please? What is agtech?


    Belle Lin: Absolutely. Agriculture technology, agtech is really the set of tools — both hardware and software — that enables farmers growers to really get the most out of their farming resources and inputs and up boosting their yields. So that’s really the goal of this kind of current wave of farm technology. But it’s really the kind of larger ecosystem software, hardware, robotics, tractors autonomous maybe that allow farmers to kind of do their work with greater efficiency.

    Ryssdal: So two things that you said there one yield and current wave, we’ll get to the yield in a minute. But I want to talk about current wave, because as you pointed out, in this piece, it’s been a decade-ish, that that sort of the bigger picture, agtech thing has been a thing.

    Lin: That’s right. So it’s about a decade since data analytics and what’s sometimes known as Big Data came around. So, these massive amounts of data that oftentimes companies collect, can also be collected on Americans farms, where some of the environments where the richest data is to be collected. You can collect it on almost every single specific piece of land on the soil itself on the seeds that are planted, where they’re planted down to the type of pesticide that is applied to a single weed where that weed is located. So you can understand, you know, how specific these things can get. And that’s related to this idea of precision agriculture, where all these like very specific inputs tailored to a specific farm, help a farmer to end up doing their work in a way that’s more informed by that data, and boosts their yields with fewer resources.

    Ryssdal: Right, so to that yield thing, that’s the name of this whole game — it’s getting more stuff out of the ground per acre farmed than they did before. And there’s an amazing statistic in here it says, according to the Department of Agriculture in 2017, farmers using digital soil maps, which are part of this technology produced about 49% higher winter wheat yields than farmers who didn’t. Again, that’s USDA data. And yet, the thrust of this piece is that farmers almost have too much data and kind of know what to do with it.

    Lin: Yeah, absolutely. So not only is there this kind of challenge of getting farmers to use these tools, but once they’ve used them, they face this kind of data paralysis, which is how a farmer described this to me, he’s farming corn and soybean. He feels like he’s collecting so much data on all these different parts of his farm, that he doesn’t know what to do with it. And so that’s a huge problem as well across sectors where, you know, big data, data analytics has promised to kind of deliver all these efficiencies and productivity gains. But oftentimes, what consumers and these farmers feel is that they don’t have that background to say, “OK, now that I know the moisture levels of all my soil, this is what I should do,” right.

  • Riaz Haq

    Why aren’t farmers using new tech?
    Kai Ryssdal and Sofia Terenzio
    Aug 30, 2023

    https://www.marketplace.org/2023/08/30/why-arent-farmers-using-new-...

    Lin: Yeah, absolutely. So not only is there this kind of challenge of getting farmers to use these tools, but once they’ve used them, they face this kind of data paralysis, which is how a farmer described this to me, he’s farming corn and soybean. He feels like he’s collecting so much data on all these different parts of his farm, that he doesn’t know what to do with it. And so that’s a huge problem as well across sectors where, you know, big data, data analytics has promised to kind of deliver all these efficiencies and productivity gains. But oftentimes, what consumers and these farmers feel is that they don’t have that background to say, “OK, now that I know the moisture levels of all my soil, this is what I should do,” right.

    Ryssdal: I do not want to sound by any means ageist here, and apologies to the young farmers out there. But the average age of a farmer in this economy right now, as you point out is like 58.

    Lin: Yeah, and that’s a big problem. Those folks are not as accustomed to utilizing technology to help inform their decisions.

    Ryssdal: This is perhaps a little bit of field. But there’s an infrastructure part of this as well, right, in that a lot of almost all of this probably counts on connectivity and broadband. And I imagine if you’re out in in wherever you are on the Great Plains connectivity might be bad, you might not have service.

    Lin: Yeah, that’s a great point. All of what we’re talking about in terms of agtech relies on having that internet connection, reliable way of streaming the data that you collect. And so connectivity is a major problem on farms that are far flung or not as connected to the internet speeds that people in cities are used to. And so one of the problems that farmers run into is that when they’re driving their equipment over a hill, for instance, you might have connectivity and one side of the hill, but you don’t on the other.

    Ryssdal: Not to put a depressing punctuation mark on this conversation, but there are — I honestly can’t remember if it’s 8 or 9 billion people on this planet now — but there are going to be more in the future. And we have to feed them all. And this is part of the way we’re going to do it and adjust to climate change too, by the way.

    Lin: Yeah, theoretically, farmers could boost their yields, and that would generate more food to feed the world’s growing and hungry population, and also in a way that they’re using fewer resources. So that’s the promise of it all, but right now it’s falling a bit short.

  • Riaz Haq

    These entrepreneurs in Pakistan are moving the country’s massive secondhand clothes market online

    https://www.fastcompany.com/90956788/pakistan-economy-swag-kicks-se...

    With the country in the middle of a historic economic crisis, secondhand sellers are seeing big business as they build an e-commerce market.

    Iqra Anwar, a resident of Lahore, the second largest city of Pakistan is a frequent thrift shopper. Though her favorite brands—American fast-fashion staples like H&M, Zara, and Victoria’s Secret—don’t have outposts in the city, she still manages to buy their preloved versions at dirt cheap prices by thrifting.

    “I got tank tops for 200 rupees (66 cents), which I would have otherwise gotten for 2000 rupees or for even more than 3000 rupees (around $10),” she says about her latest purchase.

    The 22-year-old university student wanted stylish and branded clothes on a budget while she attended her classes. She’s not alone. With Pakistan in the midst of its worst-ever economic crisis and its currency severely devalued alongside record-high inflation (annual inflation was at 38% in May), she says she’s seeing more people are turning to affordable, secondhand clothing.

    “Now, a lot of my friends who are from elite backgrounds ask me to go thrifting with them because the economy has affected anyone and everyone,” Anwar says. “They could buy [new] Shein and Zara products two years ago, but now they cannot.” Shoppers like Anwar also recognize the climate impact of getting as much wear out of fast-fashion items. “Because of fast fashion, there are landfills with clothes that people have only worn once,” she says. “It has become more of a social good thing to thrift.”

    Whatever their reasons, shoppers in Pakistan have no shortage of pre-worn clothes. In 2021, Pakistan imported $180M of secondhand clothing, becoming the second-largest importer of pre-owned clothing in the world. Secondhand clothing was mainly imported from China, United States, and Canada and became the 69th most imported product in Pakistan. The country has long had a booming secondhand market, with clothing being sold at its “landa bazaars.” As the purchasing power of everyday Pakistani shoppers has been diminished, these bazaars—and a growing roster of online clothing sellers—have become resources for keeping wardrobes across the country full.

    Until relatively recently, online sale of pre-owned clothing in Pakistan has been negligible. One of the earliest marketplaces to debut online was Swag Kicks, founded by self-described sneakerhead Nofal Khan who, as a child, would rely on his relatives visiting from Western countries to get him high-end branded sneakers that were unavailable in Pakistan. That is, until he discovered warehouses housing imported secondhand shoes.

    “There were Jordans, Onitsuka Tiger, Nike Air Force 1s . . . the kind of shoes that I would never get in Pakistan,”Khan says. “When I used to wear those shoes to university, a lot of people would ask me where I got them from. That’s when I realized . . . they didn’t have access to quality shoes.” This made him realize the potential of this business and pushed him to start an online marketplace.

    Earlier this year, Swag Kicks raised $1.2 million in a seed funding round led by i2i Ventures, joined by Techstars Toronto, SOSV Orbit, and local angel investors. This money, Nofal says, is being invested into automating the inventory process, scaling existing technology and improving disinfection and sanitization of clothes.

  • Riaz Haq

    These entrepreneurs in Pakistan are moving the country’s massive secondhand clothes market online

    https://www.fastcompany.com/90956788/pakistan-economy-swag-kicks-se...


    Digitalizing this market makes sense for Pakistan: the country has a huge young population with around 64% of the population under 30 years old. Internet penetration stood at 36.7% at the start of 2023, giving easy access to online stores.

    “Young people are looking at global trends on Instagram and TikTok. They follow Western celebrities, and they know which shoes are famous, but they don’t have access to those brands,” Khan says. “We are bridging the gap by bringing the best of sneaker culture to Pakistan . . . and listing them on our website for a fraction of the cost of what their brand-new counterparts would cost.”

    Digitizing has also given the online marketplace an upper hand over the existing physical landa bazaars. These markets are crowded, located in far-flung areas and often considered unsafe for women. And physical stores limit inventory, something Khan says is an advantage to selling online. “At any given point, we have 25,000 different types of shoes,” he says. “Physical stores can hold a limited amount of inventory.”

    Through trending reels and captivating visuals, the startup aims to attract a younger audience on social media. Its TikTok, Instagram, and Facebook pages boast a combined reach of 135,000 followers.

    Instagram in particular is where a growing number of sellers are courting younger shoppers like Iqra—and its user demographics are on their side. People, aged 18 to 24, are Instagram’s largest user group in Pakistan, which has 13 million users nationwide.

    Sellers like Zari Faisal are using this to their advantage, using the platform as a storefront for pre-owned clothing. Faisal’s Instagram account, Thrifty Preloved, started in 2019 as an experiment, and has grown to have more than 40,000 followers who place an average of 300 orders per week—fulfilled by more than 20 employees. Faisal adds five to six new products per day, and offers delivery to nationwide—including smaller cities like Lodhran and Bahawalpur.

    More than just e-commerce destinations, Instagram accounts also serve as resources for potential customers—Faisal says she has helped suggest outfits for a follower asking about what they might wear to a business presentation. “Our team got really involved,” Faisal says. “To be that sort of buddy that someone comes to for fashion advice is something that we really enjoy doing.”

    Faisal sees continued growth in thrift shopping as Pakistan’s economic turmoil continues—and says she’s playing a role in keeping fashion accessible. “A generic Zara piece would cost around 13000 Pakistani rupees (roughly $43.66) minimum. . . . We’re able to provide Zara pieces, under, like you know, 2500 rupees ($8.25),” she says. “We are getting access to [good quality] products at pricing that none of us would be able to afford in Pakistan right now.”

  • Riaz Haq

    1st carrier neutral IXP, data centre set up in Pakistan

    https://www.thenews.com.pk/print/1152827-1st-carrier-neutral-ixp-da...

    ISLAMABAD: The United Arab Emirates-based Etisalat has set up Pakistan’s first carrier-neutral IXP and data centre in the country to strengthen the reliability of internet connectivity while the PTCL will work with the DE CIX German data centre and IXP operator to run the operations of the new data centre.

    Bringing a world-class data centre operator to Pakistan will now enable Pakistan to both bring super-scaling cloud services such as AWS, Google Cloud and Azure and provide a local content hub for content services such as YouTube, TikTok and Netflix. Inaugurating the Pakistan Internet Exchange (PIE) powered by the DE-CIX, the first carrier-neutral IX in the country, Federal Minister for IT & Telecommunications Dr Umar Saif made the landmark announcement associated with the IT sector and revealed that China would start routing its internet traffic through Pakistan and it would make Pakistan a regional hub for connectivity. At the same time, it would be a source of earning huge revenue for internet transit traffic.

    Describing the revolutionary steps, Dr Saif said: “Pakistan is a massive digital market, with an internet user-base larger than the population of Italy. Over the past few years, we have made significant strides in advancing fiber connectivity. We got two fiber loops from Kashghar to Rawalpindi, further extended to Karachi by the PTCL. Additionally, multiple submarine cables making landfall in Karachi further enhance our connectivity. Now, the PTCL Business Solution’s carrier neutral data centre, managed by a tier 1 data centre operator, DE-CIX is up and running and generates exciting prospects for localized content hosting from leading platforms like YouTube, Netflix and TikTok. The content cached and routed from Pakistan can seamlessly reach other markets, positioning us as the regional digital connectivity hub. It can generate annual revenues, ranging from $200-400 million through transit traffic to substantially add to our economy.” The PTCL is the largest integrated information communication technology company of Pakistan and DE-CIX is the world’s leading Internet Exchange (IX) operator. Housed in the PTCL data centre in Karachi, the IX is operated by the DE-CIX as a service (DaaS) model and built on the DE-CIX’s award-winning interconnection infrastructure. The interconnection platform offers local peering as well as remote access to the DE-CIX Frankfurt (Germany), one of the largest IXs in the world. The PIE powered by the DE-CIX is set to serve as a hub for regional connectivity, enabling local networks low-latency interconnection and localization of global content, while increasing network stability, scalability and security.

  • Riaz Haq

    Pakistan Regional Hub For Internet Connectivity: Post by Umar Saif on X


    https://x.com/umarsaif/status/1751924936871162047?s=20

    Umar Saif
    @umarsaif
    Today is a momunental day for the Pakistan telecom and IT industry. Three important milestones achieved today in collaboration with PTCL, SCO, PTA, De CIX, PEACE Cable and China Mobile:

    1. We have reached an agreement for China to start routing their Internet traffic through Pakistan — making Pakistan a regional hub for connectivity. This will earn Pakistan huge revenue for Internet transit traffic.

    2. Etisalat has setup Pakistan’s first carrier-neutral IXP and Data center in Pakistan to strengthen the reliability of internet connectivity.

    3. PTCL will work with DE CIX German data center and IXP operator to run the operations of this new data center. Bringing a world-class data center operator to Pakistan will now enable us to both bring super-scaling cloud services such as AWS, Google Cloud and Azure to Pakistan and provide a local content hub for content services such as YouTube, TikTok and Netflix.

    4. Pakistan’s internet users can now access services locally and Pakistan can become a hub of regional connectivity.

  • Riaz Haq

    Pakistan’s Cybernet taps Nokia to build country’s first 600G commercial network | Lightwave

    https://www.lightwaveonline.com/optical-tech/transport/article/1430...


    Cybernet, Pakistan’s largest wireline operator, deployed the country’s first DWDM network at 600Gbps per wavelength. Leveraging Nokia's optical equipment, the new optical network connects Cybernet’s main metro sites and provides the enhanced network capacity needed to support growing consumer and enterprise demand for fast, high-quality broadband services.

    By further strengthening its global footprint through the establishment of its international points of presence (POPs) in MC-1 in Barka (Oman), MRS-2 in Marseille (France), SmartHub in Fujairah (UAE) and SG1 in Singapore, Cybernet is providing its global peering community members with its advanced IXP platform powered by the Nokia 7750 SR and 7250 IXR routers. Cybernet offers Internet, EVPN and MPLS-based services with rich Quality of Service (QoS) at its international POPs.

    Operators are looking to upgrade their optical networks to meet the rising demand for high-speed broadband access and network speeds. Cybernet partnered with Nokia to deploy a future-proof optical network capable of delivering over 600Gbps per lambda. This enhances the capacity and speed of its network to connect main metro sites within the country. Leveraging Nokia’s PSS 1830 optical transport platform, Cybernet can effectively scale its total network capacity to 28 Tbps, serving broadband and enterprise customers across Pakistan.

    Cybernet implemented Nokia’s advanced integrated ROADM architecture based on flexgrid technology. Through this deployment, Cybernet can better optimize and extend the reach of its optical network. Additional software management and control functions from Nokia’s WaveSuite service enablement automation software help Cybernet to further increase operational efficiencies. Broadband and enterprise customers can also benefit from low latency, superior quality of services and enhanced customer experience.

    “Using Nokia’s innovative in-house PSE-Vs chipset with super-coherent optical engines allows us to connect our main sites while also giving us headroom to grow our capacity efficiently and cost-effectively,” said Maroof Ali Shahani, COO of Cybernet. “Through our partnership with Nokia, we can meet our customers’ increasing demand for the best connectivity services while also enabling them to benefit from the latest innovations within optical technology.”

  • Riaz Haq

    Pakistan's NayaPay Partners With Alipay+, A Cross-Border Digital Payments Service Operated By Ant International | Crowdfund Insider

    https://www.crowdfundinsider.com/2024/01/220805-pakistans-nayapay-p...

    NayaPay, a financial platform, has partnered with Alipay+, a cross-border digital payments and marketing platform operated by Ant International.

    The collaboration between NayaPay and Alipay+ is set “to make a significant impact by deploying QR codes compatible with both RAAST and Alipay+ payment partners, including e-wallets and bank apps, thereby enhancing incoming foreign exchange flows and integrating the cashless payment systems of global markets and Pakistan.”

    This strategic alliance is specifically designed “to streamline digital payments, tackling prevalent issues such as limited interoperability and elevated transaction costs.”

    Through this partnership, NayaPay is well-positioned to “provide Pakistani businesses of all sizes, particularly SMEs, with a seamless connection to more than 25 Alipay+ global payment partners, which reaches a total of more than 1.5 billion consumer accounts, in addition to RAAST.”

    This initiative ensures that transactions “are not only efficient but also secure, marking a major step forward in the digitization of commerce in Pakistan.”

    Furthermore, this partnership is anticipated “to empower businesses in Pakistan to transact seamlessly with global visitors through a low-cost and fast payment system. This will foster documented and cashless trade and tourism between the two countries.”

    This initiative is in line with the State Bank of Pakistan’s vision “for the nation’s economic advancement and digital evolution, setting a new benchmark in the region’s financial sector.”

    As noted in the update, Alipay+ is “a suite of cross-border digital payment, marketing and digitalization solutions that help connect global merchants to consumers.”

    Consumers enjoy seamless payment and “a broad choice of deals using their preferred payment methods while traveling abroad. Small and medium-sized businesses may use Alipay+ digital tools to enhance efficiency and achieve omni-channel growth.”

    As covered in early 2022, Pakistan’s NayaPay Pvt. has reportedly acquired $13 million in early-stage capital as it aims to onboard consumers who an underbanked or financially underserved.

    The Karachi-headquartered Fintech firm’s seed round has been led by Zayn Capital, MSA Novo and Silicon Valley’s early-stage investor Graph Ventures, CEO Danish Lakhani confirmed (in statements shared with Bloomberg).

    NayaPay became the first startup to provide financial services after acquiring an operational license from the State Bank of Pakistan back in August 2021. The Fintech company’s chat-based payments app launched by focusing on freelancer workers and students.

  • Riaz Haq

    China, Pakistan sign agreement to route Internet traffic through Pakistan, generate $400 million revenue


    https://www.arabnews.com/node/2450631/pakistan

    Dr. Umar Saif made the announcement as he inaugurated the Pakistan Internet Exchange (PIE) in Islamabad on Monday, powered by DE-CIX, an operator of carrier- and data-center-neutral Internet Exchanges, with operations in Europe, North America, Africa, the Middle East, India and Southeast Asia.

    Saif said Pakistan had achieved four important milestones in collaboration with Pakistan Telecommunication Company Ltd. (PTCL), Pakistan Telecommunication Authority (PTA), DE-CIX, Shanghai Cooperation Organization (SCO), China Mobile and PEACE Cable, which stands for Pakistan and East Africa Connecting Europe, a submarine cable project designed to facilitate data transmission between Asia, Europe, and Africa.

    “We have reached an agreement for China to start routing their Internet traffic through Pakistan, making Pakistan a regional hub for connectivity,” Saif said.

    In a second development, the minister said UAE state-owned telecommunications company Etisalat had set up Pakistan’s first carrier neutral IXP (Internet Exchange Point) and data center to strengthen the reliability of Internet connectivity.

    Thirdly, PTCL would work with DE-CIX to run the operations of the new data center, which would enable Pakistan to both bring super-scaling cloud services such as AWS, Google Cloud, and Azure to Pakistan and provide a local content hub for content services such as YouTube, TikTok and Netflix, according to Saif.

    “And last but not the least, Pakistan’s Internet users can now access services locally and Pakistan can become a hub of regional connectivity.”

    Explaining the measures, the IT minister said Pakistan was a massive digital market with an Internet user-base larger than the population of Italy. In recent years, the country had made significant strides in advancing fiber connectivity and multiple submarine cables making a landfall in Karachi.

    Now, the PTCL data center, managed by a tier-1 data center operator like DE-CIX, would generate “exciting” prospects for localized content hosting from leading platforms like YouTube, Netflix and TikTok.

    Content cached and routed from Pakistan could seamlessly reach other markets, positioning Pakistan as the regional digital connectivity hub, Saif said, and generate annual revenues ranging from $200-400 million through transit traffic to substantially add to the economy.

    Owned and managed by Etisalat, PTCL is the largest integrated Information Communication Technology (ICT) company of Pakistan and DE-CIX is the world’s leading Internet Exchange (IX) operator.

    Housed in the PTCL data center in Karachi, the IX is operated by DE-CIX under the DE-CIX as a Service (DaaS) model and built on DE-CIX’s award-winning interconnection infrastructure.

    The interconnection platform offers local peering as well as remote access to DE-CIX Frankfurt (Germany).

    Zarrar Hasham Khan, Group Chief Business Solutions Officer at PTCL & Ufone 4G, said the company’s nationwide network and DE-CIX’s interconnection infrastructure would serve as a foundation to enhance the Internet experience of customers while facilitating the local hosting of content by international platforms.

    Ivo Ivanov, CEO of DE-CIX, said as one of the most populous countries in Asia and with Internet usage growing extremely fast, Pakistan needed local interconnection.

    “The Pakistan Internet Exchange powered by DE-CIX will prove itself to be key to unlocking the economic potential of excellent Internet connectivity for the country,” he added.

    The Pakistan Internet Exchange will be joining such success stories as the UAE-IX, powered by DE-CIX in Dubai, whose growth and success over the last twelve years have led to it being recognized as an important international Internet hub.

  • Riaz Haq

    Digital public infrastructure is transforming lives in Pakistan. Here's how

    https://www.weforum.org/agenda/2024/07/digital-public-infrastructur...

    Likewise, NADRA's role in the RAAST payment system - a State Bank of Pakistan initiative – highlights how DPI can transform financial transactions. RAAST, an interoperable instant payment system, utilizes NADRA's identity authentication processes to offer secure, swift KYC-compliant financial transactions across various platforms, thereby democratizing access to digital payments for millions.

    Additionally, Pakistan's DPI framework has also proven instrumental in managing crises, such as the COVID-19 pandemic. Within days of initiating the lockdown, Pakistan's federal authorities announced unconditional cash transfers. The government provided approximately $75 per household, sufficient to purchase three months' worth of food staples to 12 million vulnerable households.

    The targeted response, facilitated by the robust digital ID infrastructure provided by NADRA, resonates strongly with the United Nations-based Better Than Cash Alliance’s 10-point action plan. This plan urges digitizing social benefits and providing women with Digital IDs, mobile phones, and internet access to advance financial equality.

    The same approach is endorsed by a recent report on the Benazir Income Support Program (BISP), which highlights significant advancements in Pakistan’s digital delivery system.

    These significant opportunities need to be informed and designed with guardrails to ensure that the deployment of DPI is safe, responsible, and leveraged for inclusive societies. The Universal Safeguards for DPI initiative, and the UN Principles for Responsible Digital Payments aim to create a practical framework for countries implementing such initiatives. This initiative identifies potential risks in global DPI deployments, providing valuable insights to inform the design and implementation of future safeguards.

  • Riaz Haq

    Digital public infrastructure is transforming lives in Pakistan. Here's how

    https://www.weforum.org/agenda/2024/07/digital-public-infrastructur...

    Likewise, NADRA's role in the RAAST payment system - a State Bank of Pakistan initiative – highlights how DPI can transform financial transactions. RAAST, an interoperable instant payment system, utilizes NADRA's identity authentication processes to offer secure, swift KYC-compliant financial transactions across various platforms, thereby democratizing access to digital payments for millions.

    Additionally, Pakistan's DPI framework has also proven instrumental in managing crises, such as the COVID-19 pandemic. Within days of initiating the lockdown, Pakistan's federal authorities announced unconditional cash transfers. The government provided approximately $75 per household, sufficient to purchase three months' worth of food staples to 12 million vulnerable households.

    The targeted response, facilitated by the robust digital ID infrastructure provided by NADRA, resonates strongly with the United Nations-based Better Than Cash Alliance’s 10-point action plan. This plan urges digitizing social benefits and providing women with Digital IDs, mobile phones, and internet access to advance financial equality.

    The same approach is endorsed by a recent report on the Benazir Income Support Program (BISP), which highlights significant advancements in Pakistan’s digital delivery system.

    These significant opportunities need to be informed and designed with guardrails to ensure that the deployment of DPI is safe, responsible, and leveraged for inclusive societies. The Universal Safeguards for DPI initiative, and the UN Principles for Responsible Digital Payments aim to create a practical framework for countries implementing such initiatives. This initiative identifies potential risks in global DPI deployments, providing valuable insights to inform the design and implementation of future safeguards.

    For instance, in Pakistan, NADRA's data sharing follows strict parliamentary processes. In national security cases, the crisis management cell within the Ministry of the Interior responsible for evaluation and requests of specific data fields. These standard operating procedures ensure case-by-case data sharing, a clear paper trail, and accountability to NADRA's board.

    The future of Pakistan's digital economy
    The potential of DPI to transform Pakistan's economy and society is immense. With projections suggesting that wholesale adoption of digital payments could boost GDP by up to 7%.

    Looking ahead, Pakistan is set to launch several ambitious DPI initiatives, including expanding the RAAST payment system, implementing a nationwide digital health records system, and launching a blockchain-based land registry. These projects promise to drive efficiency and transparency across multiple sectors, positioning Pakistan as a pioneer in the global digital landscape.

  • Riaz Haq

    Who owns Pakistan’s digital wallet throne? - Profit by Pakistan Today

    https://profit.pakistantoday.com.pk/2024/07/15/who-owns-pakistans-d...


    In 2008, a seismic shift occurred in Pakistan’s financial services landscape with the introduction of Branchless Banking (BB). This innovation sparked a digital revolution, reshaping how millions of Pakistanis access and use financial services. By the end of 2023, this transformation had reached new heights, with BB accounts soaring to 114 million—an 18.1% increase from the previous year. Even more striking, active accounts surged by 50.9% to 64.1 million, underscoring the growing adoption of digital financial solutions.

    At the heart of this digital finance boom are two titans: Telenor Bank’s Easypaisa and Mobilink Bank’s JazzCash. These digital wallets have become household names, each carving out a significant portion of the market. While JazzCash leverages its vast customer base and market reach, Easypaisa, as a pioneer, boasts an extensive network of agents and merchants. Their rivalry not only fuels innovation but also raises a compelling question: In this rapidly evolving landscape, who truly leads the digital wallet revolution in Pakistan?

    Both companies claim market leadership. VEON’s 2023 annual report states, “JazzCash was the largest domestic fintech platform and the most popular mobile fintech application in Pakistan.” Conversely, Telenor Bank’s annual report asserts, “The bank continued to solidify its position as a leading player in Pakistan’s digital financial sector in 2023.”

    Given these competing claims, how can we determine which company truly leads the market?

    History of Easypaisa and JazzCash

    The advent of branchless banking in Pakistan can be traced back to the mid 2000s. We had Tameer Bank (Now rebranded as Telenor Bank) which was suffering from high delinquencies and was looking for a way out. As fate would have it, SBP was also looking to introduce the branchless banking regime in the country.

  • Riaz Haq

    Visa’s Leila Serhan says Pakistan presents significant opportunity for digital payments


    https://www.thenews.com.pk/print/1234879-visa-s-leila-serhan-says-p...


    KARACHI: Senior Vice President and Group Country Manager for North Africa, Levant and Pakistan (NALP) at Visa Leila Serhan highlighted the importance of cybersecurity measures in promoting the growth of digital payments in Pakistan during an interview with The News.

    Following are excerpts of her conversation:

    Q: What initiative is Visa taking to safeguard users and support partner banks to combat fraud and cybercrime in Pakistan?

    A: Cyber security is a top priority for anyone in the financial services industry, especially for Visa. We provide cutting-edge artificial intelligence-powered risk and fraud management solutions to our users and partner financial institutions, which greatly assist in every step of the transaction process.

    The technologies like tokenization not only enhance user experience but also strengthens security by converting the 16-digit card number into a token, significantly improving security. Visa aims to introduce tokenization technology to all its partners and the entire ecosystem to safeguard consumer data.

    In Pakistan, security and fraud issues, such as social engineering, are common when making digital payments. Therefore, there is a need to educate users not to share their online transaction processing data or card information via email. Furthermore, the user card verification value is confidential and should not be shared with anyone.

    Visa recently announced a strategic partnership with 1Link, the country’s largest payment service provider, to simplify remittances in the country and promote digital transactions. The partnership involves integrating the Visa Alias Directory Service within the 1LINK network to streamline incoming remittances, enhance user experience and protect sensitive payment credential information.

    Remittances are crucial for the Pakistani economy, as the country is one of the top 10 remittance-receiving nations in the world, according to World Bank data. Visa has simplified the remittance process, allowing individuals whether in the United Arab Emirates, Saudi Arabia or any other market to send money back home to their parents or family using a mobile number. The Visa Alias directory facilitates fast and secure transactions, and users can conveniently send and receive money directly from their mobile phones.By providing a seamless user experience and ensuring convenience, security, and cost-effectiveness in remittance transactions, efforts are made to discourage the use of illegal remittance flows to the country. This is one of our key objectives.

    Q: What efforts is Visa making to increase the acceptance of contactless payments by small businesses?

    A: We are collaborating closely with banks and other stakeholders to offer customized financial products and low-cost acceptance solutions, enabling small and medium enterprises (SMEs) to accept payments in a cost-effective manner. Tap-to-phone is a key part of our strategy, and we aim to expand the reach of small and micro enterprises able to accept digital payments by 10 times. We are forming numerous partnerships to promote financial literacy, expand small businesses and enhance consumer financial inclusion.

    Q: How does Visa collaborate with government entities like the State Bank of Pakistan?

    A: We have had a very positive dialogue with the State Bank of Pakistan. It is great that there is an active dialogue and partnership between the government and companies like Visa in the private sector. We constantly discuss how to improve the consumer experience in Pakistan, both domestically and internationally.

  • Riaz Haq

    This e-banking platform is narrowing Pakistan's financial gap | World Economic Forum

    https://www.weforum.org/videos/edisonalliance-pakistan/

    ---------------

    https://www.sbp.org.pk/Finc/AMAscheme.html

    Through the Asaan Mobile Account (AMA) platform, any Pakistani holding a valid CNIC can open a bank account digitally in any AMA participating bank, from anywhere, at any time by using the SIM of any mobile operator. The scheme allows individuals to access AMA platform using a short code i.e *2262# and make transactions, through their basic/smart mobile phone without the need for internet connectivity.

    Asaan Mobile Account (AMA) platform is a revolutionary initiative undertaken by State Bank of Pakistan (SBP) and Pakistan Telecommunication Authority (PTA), in collaboration with branchless banking (BB) providers, telecom operators and other development partners. The AMA platform has been launched under the National Financial Inclusion Strategy (NFIS) that aims to facilitate general masses, especially the low income segments, to digitally open their BB accounts and use the available financial services in a swift, easy and affordable manner.

  • Riaz Haq

    Govt launches operations for 7th digital agricultural census - Pakistan - DAWN.COM

    https://www.dawn.com/news/1882579

    ISLAMABAD: The Pak­­istan Bureau of Statistics (PBS) on Wednesday initiated field operations for the country’s 7th Agricul­tural Census, employing digital tools to collect vital data for evidence-based policies aimed at sustainable farming and food security.

    At a launch event in Islamabad, Planning Minister Ahsan Iqbal distributed tablets to trained enumerators, emphasising the role of technology in ensuring accurate and efficient data collection.

    Ceremonies were also held in several other cities, including Lahore, Karachi and Peshawar.

    The PBS has trained 7,686 enumerators and supervisors nationwide for this purpose. Data collection will take place over 40 days, from Jan 1 to Feb 10, 2025, which will be pivotal in shaping policies to address food insecurity and enhance agricultural resilience. The results are expected to be compiled by August.

    This census, to be conducted in collaboration with federal and provincial governments, academia and related departments, aims to provide comprehensive insights into the country’s agrarian landscape.

    Planning Minister Ahsan Iqbal described agriculture as the backbone of the economy, significantly contributing to GDP, exports and employment.

    He noted that the data gathered from this census would play a vital role in shaping policies that tackle key challenges like resource management, crop patterns and food security. He further emphasised that the data would enable targeted support for the agricultural community, encouraging initiatives to increase productivity and enhance the welfare of farmers.

    He reiterated the federal government’s commitment to ensuring that farmers across the country receive the resources and support they need for sustainable growth. He stressed that the 7th Agricultural Census was a historic step towards economic reforms and data-driven policymaking.

    The minister also appreciated the modernised app­roach and centralised GIS technology for real-time monitoring. This will streamline data collection and analysis, enabling targeted interventions and effective resource allocation.

    The initiative aligns Pakistan’s agricultural practices with global standards and seeks to enhance productivity and food security.

    PBS’s focal person for the agriculture census, Sarwar Gondal, said that a decade overdue activity had been initiated by the bureau with its extensive network of 34 regional and 125 district offices.

  • Riaz Haq

    Elon Musk awaits Pakistan’s approval for Starlink launch

    https://arynews.tv/elon-musk-awaits-pakistans-approval-for-starlink...

    The SPACEX chief Elon Musk on Saturday said that he is awaiting approval from Pakistan government regarding the launch of Starlink in the country.

    As per details, a conversation took place on the social media platform X (formerly Twitter) between Pakistani social media user Sanam Jamali and Elon Musk, regarding the launch of Starlink in Pakistan.

    As per details, Sanam requested Musk to introduce Starlink in Pakistan, stating that it could pave the way for a better future, providing internet connectivity and opportunities for citizens to move forward.

    Musk responded, stating that he is awaiting approval from the Pakistani government to launch Starlink in the country. Starlink, owned by SpaceX, provides internet services through a vast network of satellites.

    https://x.com/elonmusk/status/1875530965734526983

    Later, the Pakistan Telecommunication Authority (PTA) confirmed that talks between the government and Starlink are underway regarding the issuance of a license for satellite services.

    According to PTA, the process is currently in its initial stages, as per Starlink’s request.

    The PTA is reviewing the technical requirements for Starlink’s license, while the National Space Agency is examining the proposal under the national space policy.

    The PTA emphasized that several technical aspects, including bandwidth, uplinking, and gateways, must be evaluated before issuing a license.

    This procedure applies to all foreign satellite service providers, and regulatory approval will be required after obtaining clearance from the space agency.

    Starlink

    Starlink is a satellite internet constellation developed by SpaceX, a private aerospace manufacturer and space transport services company founded by Elon Musk. The constellation aims to provide fast, reliable, and global internet connectivity through a network of thousands of small satellites in low Earth orbit (LEO).

    This innovative technology has the potential to revolutionize the way we access the internet, especially in remote and underserved areas where traditional fiber-optic and cellular networks are limited or unavailable.

    The Starlink constellation is designed to offer high-speed internet connectivity with latency as low as 20 ms, which is comparable to or even better than many existing fiber-optic networks.

    Each Starlink satellite is equipped with a phased array antenna that allows it to communicate with multiple users simultaneously, providing a high-capacity and flexible network. With Starlink, users can enjoy fast and reliable internet access from virtually anywhere in the world, making it an exciting development for global connectivity and digital inclusion.

  • Riaz Haq

    Google Pay to launch in Pakistan by March 2025 - Profit by Pakistan Today

    https://profit.pakistantoday.com.pk/2025/01/13/google-pay-to-launch...

    Service to enable Pakistani users to link their bank-issued debit and credit cards to Google Pay for seamless contactless payments

    Google Pay, the global contactless payment platform, is set to officially launch in Pakistan by mid-March 2025, marking a significant milestone in the country’s expanding digital payment landscape.

    According to sources, the rollout, confirmed by Google in November 2024, will be facilitated through collaborations with Visa, Mastercard, and leading local banks.

    The service will allow Pakistani users to link their bank-issued debit and credit cards to Google Pay via the Google Wallet app, enabling seamless contactless payments at compatible terminals.

    While the launch will focus initially on enabling basic contactless payments, the full suite of Google Wallet features, including loyalty cards and public transport passes, will not be available in the first phase.

    Sources confirmed that preparations for the launch are well underway, with four to six prominent banks working closely with Visa and Mastercard to meet technical requirements.


    Pakistan’s payment infrastructure is well-positioned to support the service, boasting 133,000 point-of-sale (POS) terminals, 99% of which are already equipped to accept mobile contactless payments, according to the State Bank of Pakistan.

    Industry experts see Google Pay’s entry as a boost for Pakistan’s burgeoning digital payments sector, which has witnessed rapid growth in recent years. According to Profit’s analysis of data published by the State Bank of Pakistan, electronic payments now account for 9.3% of the total value of all transactions that take place in the country, a number that has doubled over the past two years.


    The launch of a digital application like Google Wallet, which is compatible with payment cards of any financial institution will accelerate the expansion of digital payments through POS machines and e-commerce websites.

  • Riaz Haq

    Looking into the DEEP: Advancing Pakistan’s DPI | Biometric Update

    https://www.biometricupdate.com/202501/looking-into-the-deep-advanc...

    Pakistan is progressing toward a digitally empowered society, with initiatives such as the Digital Economy Enhancement Project(DEEP) playing a crucial role. According to a press release by the National Database and Registration Authority (NADRA), on January 23, in Islamabad, NADRA hosted a high-level World Bank delegation that included Martin Raiser, Vice President for the South Asia Region, and Najy Benhassine, Country Director for Pakistan. The conversation focused on DEEP, a transformative effort to strengthen Pakistan’s digital economy and digital identity systems.
    DEEP, a World Bank-funded project coincides with the Digital Pakistan Policy and aims to transform how the government delivers services to citizens and businesses. The initiative aims to improve financial inclusion, ease access to government services, and promote economic prospects by developing strong digital public infrastructure (DPI).

    The World Bank delegation praised NADRA’s progress in the implementation of DEEP, emphasizing its essential role in Pakistan’s digital transformation. The project is focused on creating responsible data-sharing protocols, digital authentication systems, and verifiable credentials. These components seek to increase accessibility, public service delivery, and social protection. This collaboration emphasizes the importance of international partnerships in accelerating national progress toward a digital economy.

    Advancing DPI with DEEP
    DEEP is a World Bank-assisted project to enhance the government’s capacity for digitally enabled public service delivery for citizens and businesses. While also building a more equitable economic framework by promoting an integrated, government-wide digital infrastructure. It promotes the creation of responsible data-sharing networks and strong digital authentication technologies, assuring secure and verified credentials.

    The government’s goal with DEEP is to digitize governmental services, making them more accessible to citizens and companies. This transition is projected to drive economic growth, improve social protection systems, and expand financial inclusion, particularly among marginalized populations, Dawn News reports.

    NADRA’s leadership
    NADRA has played a significant role in Pakistan’s digital transformation under the DEEP initiative, reaching remarkable milestones such as the integration of crucial government services to allow citizens seamless digital access. NADRA is developing a single digital ecosystem to ensure efficient service delivery under the Digital Pakistan Policy. The World Bank’s support demonstrates global trust in this endeavor to improve infrastructure, data interchange, and digital identity for a more robust digital economy.

    Digital Pakistan
    The World Bank project DEEP aims to fill Pakistan’s digital gap, fuel economic growth, and ensure unbiased access to digital services for citizens. DEEP is aligned with the 2018 Digital Pakistan Policy, which emphasizes a comprehensive enterprise architecture and the integration of government databases. It focuses on broadband expansion, enabling policies, and legal frameworks to assist the digital economy. The project’s strategy is to improve public service delivery by modernizing digital public infrastructure, which includes a secure data exchange layer, digital wallets, and authentication methods. NADRA, the Ministry of Information Technology and Telecommunications (MoITT), and the Board of Investment (BoI) are key implementation agencies. DEEP, with financial and technical support from the World Bank, assists Pakistan in transitioning to a sustainable and inclusive digital economy by dealing with systemic obstacles and supporting digital transformation.

  • Riaz Haq

    IT exports soar as digital transformation accelerates

    https://tribune.com.pk/story/2532564/it-exports-soar-as-digital-tra...

    Key achievements include record IT exports of $3.223 billion in FY 2023-24, reflecting a 24% increase. Broadband penetration surged by 5%, benefiting over 139 million subscribers. Policies supporting AI, cloud computing, and digital entrepreneurship are empowering startups and freelancers.

    The Digital Economy Enhancement Project (DEEP) is expanding digital infrastructure, boosting IT exports, and enhancing digital skills. Pakistan now ranks in Tier 1 of the Global Cybersecurity Index and has improved its standing in the UN E-Government Development Index.

    The adoption of e-office solutions has cut decision-making time by 70%, streamlining governance. The launch of the Hajj App and One Patient One ID system has enhanced public service efficiency.

    Over 600,000 individuals have been trained under DigiSkills.pk, equipping the workforce with essential digital expertise. More than 166 startups have emerged, generating 5,000+ jobs and attracting Rs260 million in investments.

    Pakistan is gearing up for 5G with a scheduled spectrum auction and the National Fiberisation Policy. Broadband expansion has benefited 4.1 million people, while regulatory reforms and the introduction of Wi-Fi 6E and the National Space Policy are paving the way for next-generation connectivity.

    Pakistan has introduced key policy frameworks to strengthen its digital ecosystem. Provinces, including Gilgit-Baltistan and Azad Jammu Kashmir, have adopted Cloud First Policy (PCFP). National AI & Semiconductor Policies, finalised to accelerate Pakistan's entry into advanced technology sectors.