KARACHI: Pakistan’s financial inclusion index improved to 59.5 in 2025 from 58.1 a year earlier, showing wider use of formal financial services across the country.
The State Bank of Pakistan released the latest Pakistan Financial Inclusion Index, which measures access, usage and quality of financial services.
The improvement was mainly supported by stronger usage of financial services. The access and quality components also recorded progress.
The central bank linked the improvement to several digital initiatives under the National Financial Inclusion Strategy 2024-28.
The expansion of the Raast payment ecosystem and merchant onboarding contributed to the increase. Digital banks and campaigns encouraging people to open formal accounts also supported the trend.
Financial literacy and greater focus on consumers further helped improve the index.
The rise in the index indicates that digital payments and technology-based banking services are becoming increasingly important in expanding financial access.
The SBP has continued to promote digital financial services as part of efforts to bring more individuals and businesses into the formal financial system.
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