The pace of change in financial services is accelerating. SBP is actively shaping how that change unfolds in Pakistan, enabling experimentation where it expands access and strengthens the financial system, while maintaining the regulatory oversight that protects its stability.
SBP has delivered foundational innovations that have materially expanded participation in digital finance: from Raast and Roshan Digital Accounts to the digital banking licensing framework and the EMI regime that underpins Pakistan's digital wallet ecosystem. These are not pilots; they are live infrastructure that millions of Pakistanis use.
Fintechs, startups, and financial institutions looking to engage with SBP on innovation can do so through multiple channels, including policy consultations, direct engagement with the Digital Financial Services Group, and the programmes listed below.
