Pakistan & Gulf Economist

Advancing Digital Financial Inclusion Through the Offline Payments Innovation Challenge

As we enter 2026, accelerating digital payments adoption remains a national priority, with intermittent connectivity persisting to be one of the most critical bottlenecks limiting scale and inclusion. While significant progress has been made in recent years, the inability to access stable internet or cellular coverage in many parts of the country continues to limit everyday digital transactions. Digital payments, in particular, remain elusive for millions of users and businesses, specifically in rural, remote, and disaster-affected areas.

In response to this challenge, Karandaaz Pakistan convened the final pitch round of the Offline Payments I…

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