In Kenya, seventeen million6 are able to send and receive money through their Safaricom mobile phones using M-PESA, a small-value electronic payment and store of value system.7 In Brazil, commercial banks have banked each of the 5,564 municipalities through their banking agents.8 A state-of-the-art biometric enabled smart card and battery operated  5  Principles – Leadership, Diversity, Innovation, Protection, Empowerment, Cooperation, Knowledge, Proportionality and Framework.
The program focuses on different themes such as savings, budgeting, debt management, investment, consumer protection and branchless banking to impart awareness and understanding of basic financial concepts to the low-income and unbanked population. In conclusion, it’s true that our economy is going through testing times; but let me just assure you that Pakistan holds enormous potential for economic growth.