These skills are much rarer and take longer to develop than those required for the jobs that are thereby replaced. That doesn't mean it's impossible, but it could take a long time. [1] If leading-edge technologies are currently unusually costly or difficult to adopt, they become a kind of barrier to entry protecting the firms that are already using those technologies.
Where there are challenges there are also numerous opportunities for growth of microfinance businesses. SBP and the Government of Pakistan are committed to increasing outreach and facilitating the development of the microfinance sector. To kick start real action, SBP with industry developed a Microfinance Strategy which was adopted in 2007.