ISLAMABAD: Karandaaz Pakistan has partnered with D-Tech & Consultancy (Private) Ltd. to develop an artificial intelligence-based solution aimed at improving access to digital financial services and strengthening financial inclusion across the country.
Under the collaboration, both organisations will develop a customer-facing tool called “My Intelligent Assistant (MIA)”, designed to support users of digital payment platforms through real-time, context-aware guidance.
The initiative is part of Karandaaz Pakistan’s broader AI in Digital Payments Programme, which focuses on integrating emerging technologies into the country’s expanding digital finance ecosystem.
AI tool designed to improve user experience
According to the partners, “MIA” will function as a context-aware AI companion that provides multilingual and personalised assistance to users navigating mobile wallets and digital payment systems.
The tool is designed to address key challenges in Pakistan’s digital finance landscape, including limited digital literacy, language barriers, and lack of in-app support, which often prevent users from completing transactions independently.
By embedding intelligent guidance directly within financial applications, the system aims to make digital services more accessible, intuitive, and inclusive for a wider user base.
Focus on financial inclusion and scalability
Karandaaz and D-Tech said the project is intended to create a scalable framework for AI-powered solutions in Pakistan’s financial technology sector. The collaboration aims to improve user confidence in digital transactions while expanding access to formal financial services.
Karandaaz Pakistan CEO Waqas ul Hasan said artificial intelligence could significantly improve user interaction with digital finance systems.
“Artificial Intelligence has the potential to transform how people engage with digital financial services. We are exploring innovative ways to make digital payments more user-friendly for all segments,” he said.
D-Tech & Consultancy CEO Adeel Dayo said the initiative would help bridge the gap between complex digital interfaces and everyday users.
“MIA is designed to bridge this gap by leveraging context-aware artificial intelligence to make digital financial interactions more accessible, intuitive, and inclusive,” he said.
Building trust in digital finance
The partners said the initiative reflects a broader push toward responsible AI adoption in Pakistan’s financial sector, with a focus on improving trust, usability, and digital engagement.
They added that the system is expected to support Pakistan’s ongoing digital transformation and financial inclusion agenda by helping users interact more effectively with digital payment platforms.
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