The National Institute of Banking and Finance (NIBAF) Pakistan successfully conducted a one-day training program titled “Financial Inclusion – A Missed Market or Not?” on January 28, 2026, at its Multan venue. The session brought together professionals from various commercial banks to explore the untapped potential of financial inclusion and strategies for expanding access to underserved populations in Pakistan.
The training was led by Mr. Mughees Raza Malik, an expert in banking operations and financial inclusion, who guided participants through an in-depth analysis of the current state of inclusive banking in the country. The program aimed to identify gaps in the financial system, assess emerging opportunities, and provide actionable insights for banks to bring marginalized segments into the formal financial ecosystem.
Approximately ten banking professionals attended the interactive session, which emphasized the strategic and operational aspects of financial inclusion. Discussions focused on how financial institutions can leverage inclusive banking models to expand their customer base while simultaneously promoting sustainable economic development. Participants were encouraged to analyze barriers such as low literacy rates, lack of access to digital channels, and geographic challenges, and consider innovative approaches to overcome these hurdles.
Mr. Malik highlighted the business potential inherent in financial inclusion, noting that underserved markets represent significant opportunities for banks to diversify revenue streams and deepen customer engagement. He presented case studies on successful inclusive banking initiatives, demonstrating how targeted outreach, tailored products, and technology-driven solutions can enhance financial access for women, rural communities, and small-scale entrepreneurs.
The session also addressed regulatory frameworks and policy measures that can support financial inclusion. Participants explored how collaboration between banks, fintechs, and government programs can create scalable models that address both economic viability and social impact. Practical exercises allowed attendees to design strategies for reaching unbanked populations, improving financial literacy, and integrating digital banking solutions to reduce costs and increase accessibility.
Interactive discussions formed a key part of the training, enabling participants to share experiences from their respective institutions and learn from peer insights. This exchange helped attendees understand the operational challenges and opportunities of inclusive banking, from product design to service delivery, and fostered a collaborative approach to problem-solving.
The training underscored the role of financial institutions in fostering inclusive growth by extending banking services to previously underserved segments. Participants left the program with enhanced knowledge of market expansion strategies, customer-centric banking models, and sustainable practices that can strengthen financial inclusion efforts in Pakistan.
NIBAF Pakistan continues to prioritize capacity-building initiatives that equip banking professionals with the tools and knowledge needed to respond to evolving market demands. Through such programs, the institute reinforces its mission to enhance the competency and strategic outlook of Pakistan’s financial sector while supporting national goals for inclusive economic development.
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