Pakistanis have intricate financial lives, mainly relying on unregulated, informal mechanisms to address their financial needs. As a country of more than 180 million people with only one in 10 adults (9%) financially included, Pakistan is one of the largest unbanked countries in the world. Although the nascent mobile money industry has enabled thousands of poor Pakistanis to remit cash and pay bills with ease, banks still lead the way in account registration. Today, almost eight in 10 Pakistanis (76%) are aware of a mobile money provider, yet only nine percent have used it and less than one percent has registered accounts. Turning awareness to use will position the country to make leaps in financial inclusion.
Financial Inclusion



Mobile Phone Ownership


Mobile Money Use


More mobile money users are using the services for advanced functions than in previous year.
True or false
Gainfully employed Pakistanis are most likely to be shop or business owners.

True or false
Less than one in 10 Pakistanis are financially included.

True or false
SIM card holders are more likely to be aware of their own mobile operator’s mobile money product than a competitor’s.