The Adoption workstream drives the widespread uptake of DFS through evidence-based, user-centered initiatives. It addresses key adoption barriers by improving experience, accessibility, and affordability to expand the reach and impact of digital finance. Sector-focused interventions target the inefficiencies of paper and cash-based systems that limit the potential of digital transactions. It also fosters collaboration among public and private stakeholders, including regulators, financial institutions, and technology providers, to promote collective action and market development.

The Access to Finance (A2F) initiative under this workstream supports innovative financing solutions for underserved entrepreneurs, fostering inclusion and accelerating the growth of Pakistan’s digital economy. Explore the Terms of Reference for A2F and see if you can apply.

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.