In a landmark move to boost financial accessibility and customer convenience, JS Bank, in collaboration with global money transfer brand Instant Cash, has launched ‘JS GharPay’—Pakistan’s first-ever door-to-door remittance service. This innovative offering aims to revolutionize how remittances are delivered, ensuring that recipients can receive funds directly at their doorstep, completely free of charge.
JS GharPay represents a significant advancement in remittance services, especially for recipients in rural and underserved regions. By removing the need to visit bank branches or agent locations, the service helps eliminate the logistical challenges and costs associated with traditional remittance collection. This model not only saves recipients time but also enhances their security by reducing exposure to cash handling in public spaces.
The official launch of JS GharPay brought together senior leaders from both JS Bank and Instant Cash, highlighting the strategic importance of this collaboration. Attendees included Mr. Basir Shamsie, President and CEO of JS Bank; Mr. Syed Jafar Raza, Group Head of Investment, International & Transactional Banking at JS Bank; Mr. Nasir Hussain, Head of International Home Remittances at JS Bank; and Mr. Usman Bin Raees, COO of Instant Cash.
Speaking at the launch, Mr. Basir Shamsie emphasized the bank’s ongoing commitment to customer-centric innovation. “With JS GharPay, in partnership with Instant Cash, we are setting a new standard for remittance services in Pakistan. This service ensures a safe, reliable, and convenient way for families to receive funds, particularly in areas where access to financial services is limited,” he noted.
The GharPay initiative aligns with JS Bank’s broader vision of financial inclusion and digital empowerment. By reaching customers directly in their homes, the service is poised to bridge the last-mile gap in remittance delivery—a crucial step in a country where millions rely on overseas remittances to support their daily lives.
Mr. Usman Bin Raees, COO of Instant Cash, echoed this sentiment, stating, “At Instant Cash, we are committed to enhancing financial inclusion through our global network and innovative solutions. Partnering with JS Bank for GharPay strengthens financial access for beneficiaries and promotes legal remittance flows by combining competitive exchange rates with the comfort of doorstep delivery.”
JS GharPay is not just a technological advancement; it’s a solution to real-world challenges faced by remittance recipients, many of whom live in regions with limited banking infrastructure or face mobility constraints. By eliminating the need for travel, the service also reduces risks associated with cash withdrawals and handling.
The partners behind JS GharPay aim to roll out the service nationwide, ensuring broader reach and deeper impact. With its pilot launch marking a successful milestone, the focus now is on scaling the solution to benefit communities across Pakistan. JS Bank’s strategy, in alignment with Pakistan’s broader financial inclusion goals, continues to demonstrate how technology-led services can address key socio-economic challenges.
JS GharPay not only enhances the remittance experience but also sets a new benchmark in Pakistan’s rapidly evolving fintech and banking ecosystem—where convenience, security, and inclusion are becoming the defining pillars of innovation.