The founder's policy chapter

FINCLUDE INSIGHTS / 2017

Digital Financial Services: Pakistan Landscape of 2025

Industry stakeholders' vision & ideation workshop · Pakistan's first LEGO® SERIOUS PLAY® gamification for DFS · 2017

Sponsored by Karandaaz Digital

Delivered by Finclude with Innoventures Private Limited

LSP facilitator Hassan Bin Rizwan, Pakistan's first certified LEGO® SERIOUS PLAY® professional

PDF pending · /insights/dfs-2025-vision.pdf

Full report text awaiting source material: {{DFS_REPORT_TEXT}}

Karandaaz Introduction

Report text pending — the original report will be reproduced here when supplied.

Workshop Background

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Methodology

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DFS Current Landscape & Challenges

Supply side: NBFI perspective

Source text pending.

Supply side: Banking perspective

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Demand side: Mass-market perspective

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DFS 2025 Vision & Ideation Insights

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DRAFT / TEAM VERIFICATION PENDING

2017 vision vs 2025 reality

The comparisons below are supplied draft notes, not verified findings.

2017 predictionWhere things stand
A national payment gateway connecting government entitiesRaast, launched by SBP in 2021
Banks will cease to exist in today's formSBP digital bank licences issued (2023)
Data-driven, interoperable servicesPSO/PSP licensing; open banking discussions
A cash economy will still prevailStill true
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