By and large, if you are an operator, you would want to have light-touch regulation; you would want to have maximum freedom to operate the way you want. If you are the World Bank, you would probably want greater “Ease of Doing Business”, which means fewer regulations.
Pakistan is the first country in South-Asia to have issued Branchless Banking Regulations, providing commercial and microfinance banks a supportive regulatory environment for developing partnerships and innovative delivery channels. Our regulations support the bank-led model, in which the entire control & responsibility of the product and program rests with the authorized financial institution.