Digital-Marketing
                     Digital Marketing Service in Lahore
In today’s global Zeitgeist, digitalization is the new 
frontier. The world is divided between those who are 
connected and digital and those who are off-grid, who 
are not connected to the rest of the world via the 
World Wide Web. Despite facing many challenges, 
such as a persistent literacy gap with almost half of the
population unable to read and write a simple sentence.
DMT Digital Marketing Trust
WEB DEVELOPMENT
Wordpress
HTML&CSS
PHP
CONTACT US 03000969171
WWW.DIGITALMARKETINGTRUST.COM
Pakistan has an energy gap of between 5,000 and 8,000 
megawatts (MW), expected to grow 6-8% annually by 
the end of 2023 The poverty rate is expected to reach 
37%, but still shows huge potential for growth in terms 
of digitalization. As of early 2023, Pakistan had 87.35 
million internet users, with an internet penetration rate 
of 36.7%. As of January 2023, the number of social
media users in Pakistan was 71.7 million, equivalent to 
30.1% of the total population. At the beginning of 
2023, the total number of active cellular mobile 
connections in Pakistan was 191.8 million, accounting 
for 80.5% of the total population.
According to Albert Einstein, “In every difficulty lies 
an opportunity.” Although the pandemic has been an 
unimaginable disaster for humanity, it has acted as a 
catalyst for the rapid adoption and adoption of digital 
technologies in all aspects of Pakistan’s social and 
economic landscape. The country has witnessed a 
booming e-commerce industry and significant shifts in 
consumer behavior. Pakistan’s e-commerce journey 
can be traced back to the early 2000s, when a few 
pioneer digital platforms began offering basic banking, 
business and online shopping services. Limited internet 
access and concerns related to online transactions 
initially hindered widespread adoption. As the 
regulatory environment and Internet infrastructure 
improved, the landscape shifted significantly.
Rapid development of e-commerce in Pakistan
As the fintech or fintech industry booms in the country, 
companies like JazzCash, Easypaisa and SimSim have
become household names, revolutionizing the 
payments landscape in Pakistan. These digital wallets
offer a range of services including bill payments, peer-
DMT TrustDigital Marketing
WEB DEVELOPMENT
Wordpress
HTML&CSS
PHP
CONTACT US 03000969171
WWW.DIGITALMARKETINGTRUST.COM to-peer transfers and
mobile recharges. Startups like Finja and CreditFix 
have pioneered peer-to-peer lending platforms that 
connect borrowers and lenders through a streamlined 
digital process. These platforms play a role in 
addressing the credit gap for small businesses and 
individuals.
The emergence of digital banks such as Telenor 
Microfinance Bank’s Easypaisa and Mobilink 
Microfinance Bank’s JazzCash has rapidly reshaped 
the traditional banking model. These digital banks 
leverage technology to provide convenient, low-cost 
financial services to a wider audience. While all 
traditional banks have also introduced digital banking 
as a business stream, every trustworthy bank now
offers its own digital application to its account holders 
to facilitate transactions. According to the State Bank 
of Pakistan, total mobile and online banking 
transactions will grow by 57% annually by September 
2023 and by 81% in value. Innovations in the 
insurance industry, often referred to as insurtech, are 
also receiving attention. Platforms like Tez Financial 
Services are leveraging technology to make insurance 
products more accessible and meet the needs of 
underserved populations.
With the introduction of secure and convenient 
payment gateways, consumer confidence in online 
transactions has increased, easing fraud-related 
concerns. Mobile wallet adoption in Pakistan has 
increased from 4% in 2017 to 19% in 2022.
DM TrustDigital Marketing
WEB DEVELOPMENT
Wordpress
HTML&CSS
PHP
CONTACT US 03000969 7
WWW.DIGITALMARKETINGTRUST.COM In January 2022.
the State Bank of Pakistan launched the country’s first 
digital banking licensing and regulatory framework 
based on international best practices. The framework is 
the first step towards the introduction of full-fledged 
digital banking in Pakistan. Digital banks licensed 
under this new framework are expected to provide all 
banking services digitally without the need for 
customers to physically visit a bank branch. This is 
also proving to be a game-changer for those currently 
unbanked in the formal economy.
Computer-based jobs have increased in recent years
Pakistan has the third largest unbanked adult 
population in the world, with approximately 100 
million adults without a bank account. Financial 
inclusion means that individuals and businesses have 
access to useful and affordable financial products and
services that meet their needs: transactions, payments, 
savings, credit and insurance, and are delivered in a 
responsible and sustainable way. Financial inclusion 
has been identified as an enabler for 7 of the 17 
Sustainable Development Goals. Access to financial 
services facilitates daily life and helps families and 
businesses plan for everything from long-term goals to 
unexpected emergencies. As account holders, people 
are more likely to use other financial services such as 
credit and insurance to start and expand businesses, 
invest in education or health, manage risks and protect 
against financial shocks, which can improve their 
overall quality of life.
As digital banking grows in popularity, an obvious 
result is consumer reliance on e-commerce. Today, 
Pakistan’s e-commerce space has many players, with 
well-known platforms like Daraz, Telemart, and Yayvo 
dominating the market. These platforms play a key role 
in shaping consumer expectations and fostering trust in 
online transactions. Pakistan’s e-commerce landscape 
caters to a variety of consumer needs ranging from 
electronics and fashion to groceries and services. The 
convenience of browsing and purchasing products from 
the comfort of home is driving growth across
categories. E-commerce platforms are investing in 
more user-friendly mobile apps and responsive 
websites to attract new consumers, retain repeat visits, 
and improve user experience.
Digitalization of the economy and improved fintech 
solutions have also enabled MSMEs to expand their 
consumer base while providing these businesses with 
efficient payment systems, working capital solutions 
and credit facilities. Standard & Poor’s Global 
Financial Literacy Survey shows that only 26% of 
adults in Pakistan are financially literate. Fintech 
companies not only provide financial services but also 
contribute to financial education. Mobile apps, 
interactive platforms and user-friendly interfaces are 
improving financial literacy and empowering 
individuals to make informed decisions.
Innovations such as human-centered digital platform 
design, augmented reality (AR), and virtual reality 
(VR) have the potential to enhance user experiences 
and engage even those unfamiliar with the digital 
realm. Pakistan’s young innovators must start thinking 
about how to engage more people, who are still
tentative and need an extra push to start riding the 
growing wave of digitization.