The Digital Financing for Agriculture Challenge (DFAC) – Round 2 is designed to unlock financial access for smallholder farmers through digital innovation. This initiative provides grants for disruptive financial solutions, including collateral-free credit, warehouse receipt financing, and digitized lending models, enabling farmers to access working capital, manage risk, and achieve financial stability. Apply now to drive impactful change in Pakistan’s agriculture sector.

While the e-commerce ecosystem in Pakistan continues to develop, it has been observed that financial transactions remain predominantly cash-based (90%) and different value chain players including e-commerce platforms, logistics service providers, financial institutions, and customers, reinforce the use of cash compared to digital payments. Although cash on delivery was a key enabler in the early stages of e-commerce growth in Pakistan, it has resulted in value-chain players bearing additional costs and is likely to create a hurdle in future market growth.