01 / Published indicator
Digital payments & merchant services
88%Raast; SafePay
Digital share of retail payment volume, FY2025.
Source: SBPPAKISTAN FINTECH INNOVATION NETWORK
From Fintech Ideas
to Working Solutions.
PFIN brings people together around a financial problem and a product to build. Our purpose is to help teams in Pakistan design it, test it with the people who will use it, and carry it into practice.
Explore the six implementation pillars ↓NETWORK INTELLIGENCE / 01
Illustrative dataNetwork activity
Sample figures for this dashboard preview.
Projects by stage
Distribution of projects in the sample portfolio.
Reading the figures
- Active teams
- Distinct teams working on at least one active project.
- Completed projects
- Projects whose planned work is complete, whether or not deployed.
- Real-world implementations
- Projects verified as being used outside a demo or simulation.
Participation / count
Who participates?
Universities, investors and financial organizations in the sample network.
Impact / Pakistani rupees
Financial outcomes
Amounts reported by sample projects in October 2026.
Inside the portfolio
Illustrative portfolio · All project and institution names below are fictional examples.
Project watchlist
Institution directory
Selected examples from the sample network.
Financial outcomes
Illustrative figures for October 2026, from simulated project reports.
Participant voices
No approved testimonials have been published yet.
Member stories will appear here with the participant’s permission.
Pakistan / Sector guide
Pakistan’s fintech ecosystem
Explore 11 fields for projects and industry challenges. Published indicators describe Pakistan’s market, not PFIN membership. Each measures a different activity. Fictional examples illustrate fields without a sourced figure here.
02 / Published indicator
Digital banking, wallets & branchless banking
79.2MEasypaisa; JazzCash
Branchless banking app users reported for FY2025.
Source: Pakistan Business Council03 / Published indicator
Remittances & cross-border payments
US$38.3BWorkers’ remittances
Workers’ remittance inflows, FY2025.
Source: SBP04 / Published indicator
Digital lending, microfinance & credit scoring
10.5MMicrofinance borrowers
Active microfinance borrowers cited in the 2026 ecosystem report.
Source: Pakistan Business Council05 / Fictional example
SME, trade & supply-chain finance
4 invoicesLoom Ledger
Fictional textile supplier invoice-financing demo.
06 / Fictional example
Agriculture & rural finance
6 farmsHarvest Calendar
Fictional crop-financing pilot design.
07 / Published indicator
Insurance technology & takaful
15%Takaful
Takaful share of total insurance industry premium, 2024.
Source: SECP08 / Published indicator
Savings, investment & capital markets
1.3MPakistan Stock Exchange (PSX)
Total market investors cited in the 2026 ecosystem report.
Source: Pakistan Business Council09 / Fictional example
RegTech, identity & fraud prevention
8 alertsSignal Review
Fictional fraud-review exercise.
10 / Published indicator
Banking infrastructure & financial operations
1.28BRaast
Raast transactions in FY2025, reported in the ecosystem study.
Source: Pakistan Business Council11 / Fictional example
Digital assets & tokenization research
3 scenariosToken Testbench
Fictional settlement simulation using synthetic assets.
Pakistan / Industries served
Where fintech goes to work
A hospital can use insurance technology to collect unpaid claims. A dairy cooperative can use payments technology to pay farmers. Explore ten sectors through example challenges that teams could take on.
Taxation & tax technology
A retailer matches sales invoices to tax records and flags discrepancies for its accountant.
Fintech application · Regulatory technology
Government revenue & public fees
A municipal finance team matches permit payments to receipts and identifies uncollected fees.
Fintech application · Digital payments
Banks & financial institutions
A bank’s operations team investigates settlement differences between its payment ledger and merchant accounts.
Fintech application · Banking infrastructure
Hospitals & healthcare
A hospital finance team tracks insurer reimbursements, patient balances and overdue claims without publishing patient records.
Fintech application · Insurance technology
Manufacturing & industrial supply chains
A manufacturer confirms delivery against a supplier invoice so a financing partner can assess an early-payment request.
Fintech application · Supply-chain finance
Agriculture & livestock
A dairy cooperative reconciles milk deliveries against farmer payouts and plans financing around seasonal cash flow.
Fintech application · Rural finance
Retail & e-commerce
A merchant matches marketplace payouts to orders, returns and fees to understand its actual sales revenue.
Fintech application · Merchant services
Energy & utilities
A utility reconciles bill payments across channels and flags duplicate collections before a refund.
Fintech application · Digital payments
Education & universities
A university matches tuition receipts, scholarships and instalments to each student’s balance.
Fintech application · Financial operations
Transport & logistics
A freight operator matches proof of delivery to invoices and tracks overdue customer payments.
Fintech application · Trade finance
01 / The network
Where would you fit?
Each group brings a different part of a project. These are the roles PFIN is designed to support.
Universities & students
Connect final-year projects and faculty research with problems that companies want to solve.
Startups & founders
Show a prototype, find specialist talent and identify potential pilot partners.
Industry teams
Describe a technology need, sponsor a research question or help a team test its approach.
Researchers & experts
Share datasets and benchmarks, compare methods and find collaborators for applied studies.
Investors & incubators
Discover emerging ventures and request introductions with founders who opt in.
Mentors & innovators
Guide teams through design decisions, lead workshops and help shape early prototypes.
02 / How PFIN is different
Six pillars for implementation
PFIN’s focus is the work that follows an introduction. A bank brings a problem, a research or engineering team develops a prototype, and a pilot customer helps test whether it works. These six planned programs give fintechs, universities, researchers, regulators, AI specialists and technology providers a way to contribute.
Pillar 01
Fintech innovation & development
Build prototypes and minimum viable products for payments, digital lending, inclusion and financial infrastructure. Test whether each product is ready for use.
Pillar 02
Technical testing & compliance
Use controlled environments to test compliance workflows and reporting tools. PFIN’s proposed technical sandbox is for engineering tests. Participation in an official regulatory sandbox requires separate authorization.
Pillar 03
AI & agentic finance
Evaluate AI for customer service, identity checks, fraud monitoring, credit risk and compliance. Keep people responsible for reviewing consequential decisions and approving transactions.
Pillar 04
Industry co-development
Turn a bank, fintech, corporate or regulatory challenge into a brief. Agree on a delivery lead, timeline, deliverables and success measures before the team builds.
Pillar 05
University research & talent
Connect students and researchers to industry teams that can evaluate their work. A project might deliver a tested model, a pilot or a product based on university research.
Pillar 06
Commercialization & market access
Find pilot customers, validate products and plan enterprise integration. Where there is demand, help Pakistani teams test their solutions in international markets.
Explore the proposed platform modules
University Research Hub
Browse research themes, student projects and collaboration requests across academic teams.
Startup Innovation Hub
Follow founder profiles, prototype demonstrations and product milestones.
Investor Discovery
Explore venture profiles and investor interests, with opt-in introductions.
Industry Challenge Board
Publish a problem statement, compare project proposals and find a research or pilot partner.
AI & FinTech Research Lab
Use public or synthetic datasets to compare models, explain predictions and simulate financial scenarios.
Virtual Assets Learning Lab
Study blockchain architecture, tokenomics and digital-asset risks through educational simulations.
Mentorship & Events
Find specialist guidance through workshops, webinars, hackathons and practical training.
Ecosystem Analytics
Track participation, accepted introductions, active collaborations, publications and prototypes.
03 / Collaboration
How a project reaches deployment
- Problem. Define the need, owner and measurable outcome.
- Design. Agree on the approach, deliverables and timeline.
- Prototype. Build a working version and test its assumptions.
- Pilot. Trial it with a partner in a controlled setting.
- Validation. Compare results with the agreed success measures.
- Deployment. Put the solution into use and track its impact.
Priority research themes
Digital paymentsFinancial inclusionFraud analyticsInsurTechRegTechAI risk modelingBlockchainVirtual assets educationFinancial simulation
04 / Roadmap
How PFIN would grow
This public website introduces the concept. Registration, directories and introductions are planned capabilities. Timing and scope depend on stakeholder consultation.
Phase 01
Foundation
Establish profiles, directories, events and a first channel for collaboration requests.
Phase 02
Intelligence
Add explainable matching, mentor discovery, simulation labs and project tracking.
Phase 03
National expansion
Develop university partnerships, sponsored challenges, incubation programs and international collaboration.
05 / About PFIN
The idea behind the network
Dr. Atif Ahmad, a data scientist and AI practitioner with a PhD in Data Science, proposed PFIN in November 2026 to connect academic research with financial technology development in Pakistan.
Operating principles
PFIN is designed for education and collaboration. Participants control their introductions and public profiles. Research labs would use public or synthetic data, with human review of AI recommendations. The proposed scope excludes custody, trading, payment processing and investment execution.
Sustainability and measures of success
The proposal explores memberships, sponsored challenges, training, contract research, events and premium research tools. Progress would be measured through active partners, teams formed, prototypes, publications, pilots and repeat sponsorships.