Easy Paisa is Pakistan's first mobile banking platform launched in 2009 by Telenor Pakistan in partnership with Tameer Bank. It provides digital payment services and microfinancing including insurance, loans, savings accounts. Easy Paisa started as a money transfer service using USSD commands and has expanded to offer various financial services. It focuses on serving female and low-income clients to promote financial inclusion and empowerment.

2. Easy Paisa Micro Financing
Presented By:
Mirza Abdul Hannan(062)
Sarmad Nawaz(086)
Abdul Moeez Kayani(002)
Faizan Rasheed (218)
Saad Ahmed Mirza (224)
Syed Muhammad Junaid(215)

3. INTRODUCTION:
Easypaisa is Pakistan’s first mobile
banking platform launched in 2009.
Easypaisa is the pioneer in Pakistani
mobile wallet industry. It is a mobile
payments and branchless banking
services provider in Pakistan and a
part of Telenor Group.

4. HISTORY:
 It was founded in 2009 by Telenor Pakistan in
partnership with Tameer Bank, which was later
renamed to Telenor Microfinance Bank. Easypaisa
also provides digital payment services through QR
code in partnership with MasterPass and is the only
GSMA mobile money certified service in Pakistan.
 Easypaisa started its operations as a money transfer
service through Unstructured Supplementary
Service Data (USSD) commands channel.

5. Management/Hierarchy Structure

6. 1)Insurance
i)Term Life Insurance Plan
ii)Health Services
iii)Mobile Theft Protection, Powered by Pak Qatar
Takaful
2)Loans
i)Easy Cash
3)Savings Account
4)Assan Digital Account
5)Easy paisa debit card
Financial Services offered by EasyPaisa

7. Tameer Businesses
Loans Deposits
Health Micro
Insurance
Easypaisa
Dairy Financing Agri Financing Solar Financing Bio Gas Financing
Low Cost Housing
Financing
Bank On Wheel

8. Percentage charged
• Easypaisa loan service is only available to registered
consumers, which means anyone over the age of 18 can
apply for a loan.
• EasyPaisa customers can get a minimum loan of Rs. 1,050
and a maximum of Rs. 10,000
This loan service will be charged as per the following details
• For 7 days: 10%-25%
• For 14 days: 12%-35%
If the loan will be returned after the due date extra 2.5% will
also be charged by the bank.

9. Why do they prefer female
clients?
Preference of Female Clients.
• -Majority population.
• -Secure and Reliable.
• -Economic Growth.

10. Loan Recovery
• Give them time to repay loan.
• Send them legal notice.
• Put them in default list.

11. Problems faced by clients
1. Too Much Temporary Data
2. OTP Issues Due to Permissions
3. Wrong Method of Application Download
4. Money Transfer Error
5. Invalid Response Due to Service Downtimes

12. How did EasyPaisa help its
users
• by utilizing the millions of low-income individuals already
owning mobile phones to build a platform that would connect
the underprivileged with financial service providers and enable
both parties to transact at a cost that would be orders of
magnitude less expensive than the alternative (which is
essentially to build and staff bank branches and ATMs all over
the place).
• it was discovered that 45% of Easypaisa users do not have
access to bank accounts, indicating that Easypaisa has already
made significant inroads into the underprivileged and
unbanked masses.
• 88 percent of users said the programme was simple to use, and
75% of those polled said they felt the service had a good
impact on their life.

13. Women empowerment
• By offering financial services to those
who lack access to or are ignored by
banks
• Enabling small scale businesses
• Financial independence