Pakistan: mobile payment users 2025

The user base of three different mobile wallets found in Pakistan are forecast to more than triple between 2020 and 2025. The two largest of these, JazzCash and Easypaisa, share a similar history to each other. WIthin Pakistan, activities associated with branchless banking - banking or payments activities performed on a mobile phone instead of in a physical bank branch - can only be performed by entities with a banking license. Within these rules, telecom providers were therefore not allowed to start their own mobile payment activities and led two of the largest mobile network operators, Mobilelink and Telenor, to find a bank partner. JazzCash and Easypaisa both stem from this development: Officially speaking they are banks, following the banking rules laid out within the country, but one could argue they share their DNA with telco components found elsewhere within the country.

Number of users of selected mobile wallets in Pakistan in 2020, with forecasts from 2021 to 2025 (in millions)

Characteristic	JazzCash	Easypaisa	SadaPay
-	-	-	-
-	-	-	-
-	-	-	-
-	-	-	-
-	-	-	-
-	-	-	-

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Release date

October 2021

More information

Region

Pakistan

Survey time period

May 2021

Special properties

The source does not provide any information regarding consumers using more than one app at the same time. It may, therefore, be that the total users of all apps combined is higher than the country's population

Supplementary notes

The source explicitly states that "we look (...) only for open wallets, ie those that have the ability to make payments on multiple sites, rather than in reference to an ability to transfer funds between different wallets. Thus we do not focus on transactions conducted via cards stored by a retailer purely for use on that retailer’s website or mobile app."

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