Neem has entered Pakistan’s retail segment through a new partnership with DigiKhata, aiming to provide faster and more dependable payouts for small and medium enterprises. The collaboration was announced on Friday through a LinkedIn update, signaling a strategic step for the fintech as it broadens its influence across the country’s digital commerce ecosystem.
Under the partnership, Neem’s branded wallet and ledger infrastructure will be integrated directly into DigiKhata’s platform. This integration is designed to give retailers and merchants immediate and secure access to disbursements, addressing a persistent challenge for SMEs who frequently encounter delays in settlements while handling multiple incoming payment streams.
DigiKhata, which reports having onboarded more than one million merchants nationwide, currently offers a suite of digital tools such as bookkeeping, trade credit management, and its online store product, DigiDokaan. These services allow SMEs to manage catalogues, orders, payments, and deliveries through a unified dashboard, improving operational efficiency for businesses transitioning to digital workflows.
In a blog post published on Neem.io, co-founder Nadeem Shaikh highlighted that disbursements remain one of the most overlooked segments of the digital payments framework. He said this partnership aims to give merchants fuller control over their cash flow by reducing dependency on delayed settlement cycles. According to him, empowering SMEs at the disbursement layer is a critical step toward creating a healthier digital financial ecosystem.
DigiKhata CEO Adnan Aslam expressed similar views, noting that quicker access to funds can significantly improve an SME’s financial agility. He added that the collaboration supports small businesses that often operate on tight cash flow margins and require consistent access to working capital.
Neem also stated that the underlying infrastructure being deployed has potential applications beyond faster payouts. The company expects the system to enable embedded lending in the future, unlocking services such as working capital loans, invoice financing, and buy-now-pay-later options based on merchant transaction histories. Such features could play a crucial role in strengthening liquidity for SMEs and fueling broader economic participation as Pakistan’s digital economy matures.
The move comes as Neem continues to scale across various industries through partnerships announced throughout the year. Recently, the company ventured into the insurance space through a collaboration with Blink, a technology provider operating in the food and beverage sector. Earlier in June, Neem partnered with Leopards Courier Services to expand into the logistics domain, leveraging its financial technology to streamline services for one of Pakistan’s largest delivery networks.
Neem’s existing ecosystem already includes collaborations with organizations operating in healthcare, mobility, education, retail, and agriculture. These partners include Sehat Kahani, Smartlane, TCS, ezBike, Bakhabar Kissan, Farm2Home, Edkasa, and well-known retail and e-commerce brands such as Sana Safinaz, Union Fabrics, Bechlo.pk, and EcommDeals. With its latest move into retail payouts, the company is positioning itself as a broader infrastructure provider across Pakistan’s evolving fintech landscape.
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