The Adoption & Continuous Improvement workstream is dedicated to driving the widespread adoption of DFS while continuously enhancing DFS offerings through well-designed, evidence-based initiatives. The workstream focuses on addressing key barriers to adoption by improving user experience, accessibility, and affordability, ultimately expanding the reach and impact of DFS solutions. As part of this effort, sector-specific interventions have been introduced to address the limitations of paper and cash-based systems, which often hinder the full potential of digital finance in various industries.
Additionally, the workstream fosters cross-sector collaboration among public and private sector stakeholders including government agencies, financial institutions, technology providers, and industry associations to promote collective action in advancing DFS adoption and driving market development.

Karandaaz focuses on enhancing value chains by addressing limited accessibility of features and promoting digital transformation. In the agricultural value chain, it collaborates with farmers, agribusinesses, and cooperatives to develop Digital Financial Services (DFS) solutions that meet the financial needs of smallholder farmers, ensuring efficient and inclusive agricultural ecosystems. In the e-commerce value chain, Karandaaz aims to reduce the reliance on Cash on Delivery (COD) by fostering digital payment adoption through ecosystem assessments, incentives, and trust-building measures, driving sustainable growth and efficiency in Pakistan’s e-commerce sector.