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Realizing the Promise of Responsible Digital Payments for Merchants in Pakistan
Despite the progress in digital readiness, innovation in digital infrastructure, and the positive trend in mobile phone and internet banking, challenges to adopting digital payments persist in Pakistan. Cash transactions still dominate most payments and connectivity, mistrust, or misunderstanding of the taxation system appear as key barriers.
The Better Than Cash Alliance, in support of its member, the Government of Pakistan, and the State Bank of Pakistan, presents Realizing the Promise of Responsible Digital Payments for Merchants in Pakistan. The report provides a series of recommendations aimed at supporting MSMEs and enabling their transition into the digital payments’ ecosystem.
The report considers the salient challenges in the landscape faced by supply-side players and offers recommendations for their resolution. It’s based on on-ground research consisting of over 350 merchant interviews in focus groups across rural and urban areas, covering formal and informal businesses.