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Muhammad Arif Khan

The author is the Deputy CEO and Head of Risk Management at VRG. He is a seasoned financial sector professional with over 15 years of experience in the banking and fintech sector.

The ‘One Network’ Revolution

Muhammad Arif Khan09 mins

Bridging Pakistan’s Last-Mile Financial Gap – Agent Interoperability & The Strategic Rise of Third-Party Agent Network Service Providers (TPANSPs) Pakistan’s financial landscape is at a critical juncture. In the last fiscal year, the country witnessed a staggering 6.2 billion digital transactions, signalling a rapid shift toward a “Digital First” economy. However, beneath these headline figures…

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Agri Inclusion in Pakistan

Muhammad Arif Khan09 mins

IntroductionThe term “Agri inclusion” refers to all initiatives that are aimed at providing equitable access to agricultural resources, services, and opportunities. It means that all segments of society—especially smallholder farmers, women, and marginalized rural communities shall have access to land, credit, markets, technology, training, and decision-making processes within the agricultural sector. Agri inclusion includes: •…

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