ABHI, a leading financial technology company from Pakistan, has announced a strategic partnership with LuLu Financial Holdings through its Middle East chapter, aimed at expanding access to earned wages and streamlining remittance services for Pakistani expatriate workers based in the United Arab Emirates. The initiative is set to bring transformative financial benefits by enabling instant access to wages and facilitating immediate transfers back home.
LuLu Financial Holdings, a prominent global financial services group, operates LuLu Exchange, one of the UAE’s most trusted platforms for cross-border payments and remittances. This collaboration positions ABHI to further its mission of financial inclusion and empowerment by delivering timely and flexible financial solutions to overseas Pakistani workers who often face long waits between earning and payday.
At the heart of this partnership are two core offerings — Earned Wage Access (EWA) and Send Now, Pay Later (SNPL). EWA allows workers to access a portion of their earned salary before their official payday, giving them the liquidity they need to manage day-to-day expenses without resorting to loans or incurring debt. Meanwhile, SNPL facilitates immediate remittance transfers, ensuring that workers can send money to their families in Pakistan whenever it is needed, regardless of their payday schedule.
Through the integration of ABHI’s financial technology with LuLu Exchange’s extensive remittance network, the partnership seeks to address a critical financial challenge faced by many low to middle-income migrant workers: the delay in access to earned income. By providing on-demand financial access, the service reduces financial stress and allows users to better manage emergencies, household needs, and monthly obligations in real time.
The partnership is expected to serve thousands of Pakistani workers residing in the UAE, one of the largest remittance corridors for Pakistan. The remittances sent by this workforce play a crucial role in supporting families and sustaining the country’s foreign exchange reserves. However, traditional remittance models often involve delays or depend on rigid monthly pay cycles, which can create hardship for both workers and their families. The ABHI-LuLu initiative provides a much-needed alternative that prioritizes speed, convenience, and financial security.
This collaboration reflects ABHI’s broader commitment to modernizing wage access and improving financial wellbeing for underserved communities, not just within Pakistan but across international borders where Pakistani workers play a vital role in the economy. It also aligns with LuLu Financial Holdings’ mission to promote inclusive financial services in the Gulf region and beyond.
As global remittance models evolve in response to digital transformation, this partnership represents a significant step forward in embedding fintech solutions into everyday financial lives. With a rapidly growing demand for digital financial tools among migrant workers, the ABHI and LuLu Financial Holdings alliance sets a precedent for how innovative wage access solutions can empower communities and foster stronger economic connections between countries.
The partnership is now operational, and overseas Pakistanis working in the UAE can start benefiting from the services immediately. As ABHI continues to expand its presence in the Middle East and beyond, initiatives like this are expected to redefine how financial services are delivered to mobile, global workforces — efficiently, affordably, and with a user-first approach.
