ABHI Microfinance Bank Ltd. has entered into a strategic partnership with Dastak Logistics (Private) Limited to introduce Merchant Lending Services aimed at supporting small and medium-sized businesses across Pakistan with easier access to working capital and business financing.

The agreement was formalized at a signing ceremony where Muhammad Umer Rauf, Head Transaction & Employee Banking – ABHI Microfinance Bank, and Intizar Hussain, Chief Executive Officer – Dastak Logistics, signed on behalf of their respective organizations. The ceremony was also attended by senior representatives from both institutions.

Under this partnership, eligible merchants operating within Dastak Logistics’ ecosystem will gain access to tailored financing solutions from Abhi MFB. These facilities are designed to help businesses manage cash flow needs, purchase inventory, expand operations, and strengthen day-to-day working capital without lengthy traditional banking processes.

The collaboration addresses one of the biggest challenges faced by SMEs and merchants in Pakistan — limited access to timely and convenient financing. By leveraging Dastak Logistics’ merchant network and operational data, Abhi MFB aims to create a seamless lending journey with faster assessments, simplified onboarding, and quicker disbursement of funds.

For merchants, this initiative is expected to unlock growth opportunities by providing flexible capital when needed most. Better financing access can enable businesses to stock products efficiently, fulfill larger orders, improve delivery capabilities, and scale operations with greater confidence.

For the broader financial ecosystem, the partnership contributes to Pakistan’s financial inclusion agenda by extending formal credit solutions to underserved merchants and businesses. It also reflects the growing importance of embedded finance models, where lending services are integrated directly into commercial ecosystems to create more relevant and accessible solutions.

Representatives from both organizations shared that empowering merchants with financing tools is critical for supporting entrepreneurship, improving economic productivity, and accelerating digital transformation across Pakistan’s SME sector.

With this collaboration, Abhi MFB continues to strengthen its commitment to merchant-focused financial services, while Dastak Logistics expands value-added support for businesses within its growing network, creating a stronger foundation for long-term business growth nationwide.

Mobilink Bank is setting a new benchmark for sustainable banking in Pakistan, rapidly advancing its ESG-led transformation to become the country’s most forward-looking, responsible, and future-ready financial institution. With more than one-third of its nationwide branch network now powered by renewable energy, the Bank is decisively leading the shift toward low-carbon, inclusive finance at scale.

During a recent visit to Mobilink Bank, Kaan Terzioglu, Chief Executive Officer and Board Member of VEON Group, reviewed the Bank’s digital-first operating model, customer-centric innovations, and sustainability initiatives. He engaged with customers and observed firsthand how Mobilink Bank is delivering secure, accessible, and future-ready financial services at scale.

Kaan Terzioglu, Chief Executive Officer of VEON, said, “Mobilink Bank’s progress in embedding sustainability into its operations is both timely and impactful. The scale at which the Bank is advancing green financing, alongside expanding digital financial access, highlights its commitment to responsible growth. This is a strong example of how financial institutions can support initiatives that are both good for the environment and drive both economic growth in emerging markets.”

Commenting on the Bank’s direction, Haaris Mahmood Chaudhary, President and CEO Mobilink Bank, said: “Sustainability is not a parallel agenda for Mobilink Bank; rather, it is the engine of our growth. We are building Pakistan’s leading bank for small businesses through a model that is digital-first, ESG-driven, and built for long-term impact. From green financing to renewable-powered operations, we are embedding responsibility into every layer of our business.”

Mobilink Bank’s ESG-led strategy spans green financing, responsible operations, and inclusive growth. The Bank has deployed PKR 2.9 billion in green financing to accelerate the adoption of clean energy and green mobility solutions, including solar systems and e-bike financing for underserved segments. At the same time, its transition to renewable energy across 35% of its branch network underscores a decisive shift toward low-carbon operations.

To further institutionalize its sustainability agenda, the Bank is building a data-driven decarbonization framework through an automated ESG platform, with baseline emissions measured at 4,489 metric tons of CO₂, laying the foundation for transparent tracking and long-term reduction targets.

Beyond environmental impact, Mobilink Bank continues to lead on social inclusion. The Bank has enabled over 31,000 women through targeted financial inclusion programs in 2025 and is supporting a PKR 50.30 billion gross loan portfolio to expand equitable access to finance for small businesses. Its commitment to community development is reflected in initiatives such as the solarization of a Digital Arts Lab at Khatoon-e-Pakistan Government Girls School, in partnership with Zindagi Trust, benefiting 310 students, and a clean water initiative improving access for over 1,000 students.

As sustainability becomes a defining pillar of modern banking, Mobilink Bank’s integrated ESG approach positions it as a catalyst for systemic change, driving economic empowerment, environmental responsibility, and digital innovation to build a more inclusive and future-ready Pakistan.

ABHI, the region’s neo bank of the future, and Mahaana Wealth, the country’s first digital-only asset management company licensed by the SECP, have joined hands to make financial empowerment accessible for every employee.

Through this collaboration, both organizations will work together to leverage their financial products and bring innovative solutions to a wider market. By aligning their expertise, ABHI and Mahaana aim to drive financial wellness, inclusion, and literacy across businesses and communities.

This partnership underscores ABHI and Mahaana’s shared commitment to empowering individuals and organizations through accessible, technology-driven financial solutions. By working together, both companies aim to build a culture of financial inclusion and literacy, promoting stronger and more resilient workplaces.

“Financial empowerment is about more than access; it’s about helping people feel in control of their money and their future,” said Omair Ansari, Co-founder & CEO, ABHI. “Our partnership with Mahaana reflects our shared mission to build financially healthier workplaces where employees can take control of both their short-term liquidity and long-term goals.”

“Financial empowerment means bridging the gap between immediate needs and long-term security,” said Shamoon Tariq, Founder & CEO, Mahaana Wealth. “Our partnership with ABHI does exactly that helping employees manage their cash flow today while building their retirement tomorrow. With only 50,000 retirement accounts in a country of 240 million people, making wealth-building accessible through the workplace isn’t just good business, it’s essential infrastructure.”

Financial empowerment is about creating a strong link between meeting today’s financial pressures and securing a stable future. The partnership with ABHI achieves this by giving employees practical tools to manage short-term cash flow challenges while simultaneously encouraging long-term retirement savings.

In a country of 240 million people where only around 50,000 retirement accounts exist, expanding access to wealth-building opportunities through the workplace is not merely a smart business decision—it is a critical step toward building inclusive financial infrastructure and long-term economic resilience.

Pakistan’s leading digital microfinance bank, Mobilink Bank has entered into a strategic partnership with IMARAT Group, one of the country’s premier real estate conglomerates, to enhance access to housing finance, and drive economic empowerment through technology-driven banking solutions.

Pakistan currently faces a housing crisis, with World Bank estimates placing the housing shortage at around 12 million units. The situation is further aggravated by declining affordability, rising property prices, and higher mortgage rates. Mobilink Bank simplifies access to housing finance by offering inclusive, customer-centric solutions that enable low-income and underserved households to secure affordable and dignified homes. The bank’s partnership with IMARAT will revolutionize the home loan experience for their shared customers and employees by digitizing the entire mortgage journey, expanding banking access across IMARAT developments, and onboarding IMARAT employees into Mobilink Bank’s comprehensive digital banking suite. 

The housing finance customers will experience a fully digital onboarding process through IMARAT’s Propmex.ai platform, supported by API integration between IMARAT and Mobilink Bank for seamless property verification. IMARAT will also feature Mobilink Bank’s Mortgage Calculator across its digital platforms, allowing customers to assess affordability and access real-time home financing options.

Mobilink Bank will extend its Employee Banking Suite to IMARAT employees to provide them with salary accounts, digital banking services, insurance coverage, and exclusive financial benefits. Additionally, IMARAT employees will gain access to preferential loan products, including House Finance, Personal Loans, and Solar/EV Loans, designed to promote financial well-being and sustainable living. IMARAT Group will reciprocate by opening corporate banking accounts with Mobilink Bank and maintaining substantial current account balances to support mutual business growth.

To foster digital access and enablement, Mobilink Bank will also install ATMs and Cash Deposit Machines (CDMs) at IMARAT’s commercial projects to encourage cashless transactions. The partnership will also expand Mobilink Bank’s merchant ecosystem by deploying Point-of-Sale (POS) machines across IMARAT malls, brands, and retail outlets, driving digital payment adoption and supporting MSME growth.

Speaking on the occasion, Atta-ur-Rehman, Chief Business Officer, Mobilink Bank, said, “Mobilink Bank is deeply committed to empowering individual and institutional clients through customized financial solutions, digital banking tools, and technology-driven integrations. Pakistan’s housing gap is not just a statistic, but a barrier to dignity, stability, and economic mobility for millions of families. We are committed to breaking this barrier by making housing finance more accessible, affordable, and inclusive through a deep focus on empowering every household to step into a safer, more secure future. Our collaboration with IMARAT will bring us closer to our long-term ambition.”

Shafiq Akbar, Chairman IMARAT Group, said, “This partnership with Mobilink Bank is a major step toward digitizing how real estate operates in Pakistan. We have always believed that technology has the power to simplify every part of the property journey, from buying and selling to financing. Through this collaboration, we are bringing that vision to life by making home ownership easier, smarter, and more accessible while paving the way for a more connected and financially inclusive future.”

The collaboration underscores Mobilink Bank’s leadership in digital banking, housing finance, and employer banking solutions, and reaffirms its commitment to catering to the evolving financial needs of its diverse customer base.

Islamabad, January 20, 2025: Mobilink Bank, Pakistan’s leading digital microfinance institution, has entered into a strategic partnership with leading fintech innovator NymCard and technology consultancy, Dellson Associates to accelerate digital financial services and cross-border enablement. The collaboration marks a significant step toward reshaping the future of financial inclusion in Pakistan.
Under this alliance, NymCard will integrate its cutting-edge technology platform to facilitate seamless digital lending solutions, including Buy Now, Pay Later (BNPL), Send Now, Pay Later (SNPL), and Instant Card Issuance. Meanwhile, Dellson Associates will spearhead the bank’s technology enablement and digital transformation initiatives, reinforcing Mobilink Bank’s mission to provide scalable, innovative, and future-ready financial solutions.
This strategic partnership aims to empower consumers with dynamic financial tools that enhance accessibility, flexibility, and user experience. BNPL enables customers to make purchases and defer payments over time, while SNPL revolutionizes remittances by allowing users to send money instantly and settle payments in structured installments—easing financial burdens and fostering greater financial control.
As a core pillar of its long-term growth strategy, Mobilink Bank continues to forge high-impact alliances that transcend industry boundaries, driving financial, technological, and operational excellence. This MoU underscores the bank’s unwavering commitment to innovation, digital agility, and financial inclusion, ensuring its customer-first ecosystem remains at the forefront of the evolving digital banking landscape.
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About Mobilink Bank:
Mobilink Microfinance Bank Ltd. is Pakistan’s foremost digital microfinance institution, dedicated to advancing financial inclusion through cutting-edge digital solutions. The bank was recently honoured as ‘Best Microfinance Bank’ at the Pakistan Banking Awards 2024 in recognition of its transformative contributions to the financial sector.
About NymCard:
NymCard is a next-generation fintech platform that empowers financial institutions with state-of-the-art solutions, including digital lending, instant card issuance, and seamless money movement. Focused on scalability and adaptability, NymCard provides agile payment infrastructure designed to meet the demands of a rapidly evolving financial ecosystem.
About Dellson Associates:
Dellson Associates is a leading consultancy firm specializing in technology-driven financial solutions. With deep expertise in digital transformation and financial innovation, Dellson enables financial institutions to enhance operational efficiency, optimize digital strategies, and future-proof their business models.