The leading global fintech company FinVolution Group has met with the senior leadership delegation of PTCL Group, the largest integrated telecommunications and ICT company in Pakistan, at the Mobile World Congress Shanghai. The high-level meeting served as a strategic platform to explore how cutting-edge credit technology can be integrated with Pakistan’s massive telecommunications infrastructure to accelerate financial inclusion. By combining FinVolution’s proprietary digital lending capabilities with the extensive countrywide reach of PTCL Group’s networks, both organizations aim to bridge the gap for millions of unbanked and financially underserved consumers and micro-businesses across Pakistan.
The executive delegation representing PTCL Group was led by Hatem Bamatraf, President and Group Chief Executive Officer of PTCL and Ufone 4G. He was accompanied by Mohammad Nadeem Khan, Group Chief Financial Officer, Jafar Khalid, Group Chief Technology and Information Officer, and Awais Vohra, the Interim CEO of Telenor Pakistan. Meeting with the executive team of FinVolution at the flagship global operator event organized by the GSM Association, the leadership discussed practical frameworks for introducing safe, affordable, and highly accessible credit options. The conversations focused primarily on addressing the challenges faced by small enterprises and retail consumers who are traditionally excluded from conventional banking credit lines.
During the extensive discussions, Tiezheng Li, Chief Executive Officer of FinVolution Group, detailed the deep technological expertise his firm has gathered since its establishment. With nearly two decades of experience in emerging markets, the company has developed a sophisticated end-to-end digital lending stack that leverages big data, artificial intelligence, and proprietary risk-assessment engines. This advanced setup allows for fast, highly accurate, and responsible risk management, which is essential for scaling digital credit models safely in newly developing digital ecosystems. By sharing these global insights, the executive team demonstrated how similar credit-tech platforms have successfully enabled digital transformations and micro-lending operations across the wider Asian region.
The collaborative talks in Shanghai build upon the growing local footprint of FinVolution within Pakistan. The company formally entered the Pakistani market under a Non-Banking Financial Company license granted by the Securities and Exchange Commission of Pakistan. Following this regulatory approval, the company launched Daira, a localized, mobile-first digital nano-lending platform designed specifically to meet the urgent credit needs of Pakistani users. The digital credit ecosystem was further expanded when the platform secured a Buy Now, Pay Later license from the commission, allowing the fintech operator to diversify its consumer financing products and introduce flexible payment solutions for everyday purchases.
Since its launch, Daira has successfully cultivated strong partnerships across the domestic corporate and financial sectors. The platform has established successful financing collaborations with major smartphone manufacturers, including Infinix, itel, and Tecno, helping consumers access digital devices through structured installment plans. Additionally, the fintech launched Pakistan’s inaugural bank-fintech loan facilitation partnership in tandem with ABHI Microfinance Bank. This landmark integration combines Daira’s state-of-the-art lending software with the regulatory oversight of a local microfinance institution, ensuring that transparent, quick, and formal credit is made available to households that have historically been overlooked by traditional banking institutions.
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