Pakistan’s EMIs and the Arithmetic of Payments

Pakistan’s electronic money institutions face structural challenges in a rapidly digitising retail payments ecosystem. High transaction volumes, low wallet retention, and competition from branchless banking and Raast’s instant rails are shaping the survival and consolidation of EMIs, highlighting the intersection of technology, regulation, and financial incentives.

2 Shades BPO and UBL Insurers Enter Strategic Partnership to Advance Digital Customer Experience in Pakistan

2 Shades BPO forms a strategic partnership with UBL Insurers to accelerate digital transformation and elevate customer experience capabilities across Pakistan’s insurance sector. The alliance aims to strengthen technology-driven services, enhance policyholder interactions, and support innovation within the country’s expanding digital insurance ecosystem.