ABHI, a prominent fintech player operating through its Middle East chapter, has announced a strategic partnership with LuLu Financial Holdings, a globally recognized financial services conglomerate. This collaboration aims to significantly enhance financial inclusion and provide overseas Pakistani workers in the UAE with faster, more flexible access to their earned wages and remittance options.
The partnership introduces innovative financial solutions such as Earned Wage Access (EWA) and Send Now, Pay Later (SNPL) services, designed to empower expatriate workers by granting them instant access to the money they have already earned, instead of forcing them to wait until their scheduled payday. This breakthrough not only improves the liquidity and financial management of migrant workers but also enables them to support their families back home more efficiently and timely through remittances.
Traditionally, many overseas workers face challenges when it comes to accessing their wages before the end of the pay cycle, leading to financial stress and dependency on costly loans or informal borrowing. ABHI’s collaboration with LuLu Exchange, a trusted name in money transfer services across the Middle East and South Asia, addresses this pain point by offering a seamless platform for workers to unlock their income on demand and send funds through reliable channels.
With the Earned Wage Access service, employees in the UAE can withdraw a portion of their earned but unpaid wages instantly via the ABHI app. This feature provides much-needed financial flexibility, allowing workers to cover urgent expenses such as medical bills, education fees, or household needs without waiting for their monthly salary. The Send Now, Pay Later service further supports users by enabling immediate remittances with an option to settle payments at a later time, easing cash flow pressures.
The collaboration also reinforces the broader goal of promoting digital financial inclusion among expatriate communities, a crucial aspect given the significant contribution of remittances to Pakistan’s economy. Overseas Pakistanis sent home over $30 billion in remittances in recent years, supporting millions of families and fueling economic growth. By introducing instant wage access and flexible remittance options, ABHI and LuLu Financial are making digital financial services more accessible, transparent, and user-friendly for a demographic that often faces barriers in traditional banking systems.
Industry experts view this partnership as a milestone in the fintech and remittance ecosystem, highlighting how digital innovation can bridge the gap between workers and financial resources. It aligns with global trends toward more personalized, on-demand financial products tailored to the unique needs of migrant workers and their families.
Moreover, this initiative encourages responsible financial behavior by reducing reliance on high-interest loans and enabling better budgeting through real-time access to earned income. The integration of ABHI’s technology with LuLu Exchange’s expansive network ensures a secure, compliant, and efficient platform, providing users peace of mind while transacting across borders.
As the partnership evolves, both ABHI and LuLu Financial plan to expand their service offerings and reach more expatriates across the Middle East and beyond, continuously enhancing the digital finance landscape for overseas Pakistanis. This move not only strengthens Pakistan’s financial ties with its diaspora but also sets a new standard for how fintech solutions can support migrant worker welfare in a rapidly changing global economy.