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The big question that needs to be asked is “Has Financial Inclusion actually been realized and become a reality in Pakistan despite all the Financial Inclusion initiatives that have been launched so far?

With the aim of ensuring financial inclusion within Pakistan, we at EcoFin Technologies are developing a white labelled interoperable distribution network of Agents for multiple Banks. This white labelled platform is comprised of a brand-new liquid agent network equipped with an android based biometric application connected to multiple financial institutes. The network is developed with a focus to expand the rural outreach allowing masses to avail unified competitive financial services through 1-stop shop. This will facilitate banks to convert existing customer base of retail/agents into a Digital Ecosystem for creation of bank accounts outside the bank branch followed by Cash in and Out within individual or merchant accounts.


To create an ecosystem focused on financial inclusion through a one stop solution


To establish an effective and secure customer acquisition platform for individuals, businesses, Government and Institutions

Payment Highway

A one stop solution ensuring the provision of a uniform platform where participating agents will be servicing all Financial Institutions. Following are the core beneficiaries of our payment highway.

Financial Institutions

  • Proper Financial Inclusion Initiatives
  • Reduced cost of client acquisition
  • Increased float time
  • Reduced operational costs Reduced cost of service
  • Transaction Authentication
  • Outreach Expansion Customer Education
  • Risk Mitigation
  • Fraud Management
  • AML Compliance


  • Outreach
  • Disaster Management Planning
  • Transparency & Traceability Unified Identity Management
  • Platform
  • Documentation of Economy
  • Employment Creation Elimination of Service Divide
  • Interoperability
  • Fraud Management Program Effectiveness
  • visibility


  • Real Time Settlement
  • Higher Volumes
  • Better Banking Potential Transparency & Traceability User-Friendly Front End
  • Application
  • Opportunity to work with
  • Multiple Banks & Institutions
  • Easy Account Opening Process


  • Outreach
  • Affordability
  • One Window operations
  • Transaction Security
  • 24/7 Availability
  • Transparency
  • Convenience