1. the financing & payment service needs of the IT & ITES industry
Make in Pakistan:
the financing & payment service needs
of the IT & ITES industry
Asif Peer
CEO, Systems Limited

2. Challenges and Opportunities
Digital Commerce
Challenges and Opportunities

3. 140M 60M 100,000+ 50,000+ Digital Commerce Fundamentals are in Place
Business activity increasing as infrastructure has developed
140M
60M
100,000+
50,000+
Users actively using mobile phones
Have access to broadband
Software freelances, web designers…
E-Merchants/small businesses on Facebook, OLX, Daraz, etc.
Active
Cellular Users
Internet Penetration
Offshore Digital Service Providers
Domestic Digitally Enabled Businesses

4. Challenges Faces Digital Commerce
Growth despite hurdles
Offshore Service Providers
Lack of recognition as a legitimate profession
Payments disconnected from role as a service provider
Receiving payments through international services is expensive and cumbersome
Software developers, Web designers
Graphic artists, Social media marketing

5. Challenges Faces Digital Commerce
Growth despite hurdles
Digitally Enabled Businesses (50,000+)
Lack of recognition as a legitimate profession
Limited resources
Receiving payments through banking channels is cumbersome and expensive
Small Businesses --
Merchandise sale on marketplaces (Facebook, OLX, Daraz)
Service providers (real-estate agents, car dealers, tax consultants…)

6. International Services are Sub-Optimal
Expensive
Payment and collection lag
Bi-directional – may enable outbound capital flight
Limited control and visibility for Government and Regulators
Allow users to keep payments abroad
Disconnected from promotional aspirations of local industry

7. + + + Solutions: Aligned Stakeholder to Support Innovation
Technology & payments plumbing readily available; institutional support is missing link
Payments from anywhere in the world
Received instantly and securely in Pakistan
In Bank Account
At retailer, with biometric verification
Software Development
Companies + + +

8. Issues Faced by Local Tech Companies
Working Capital Financing not Possible on Intangible Assets
Limited Local Venture Capital Funding
Attracting International Investors is a Challenge

9. 100M+ 25,000+ 7B+ Case Study – Systems Limited Initiative…
OneLoad App for Retailers to Provide Digital Services to Customers
ONELOAD SOLVED ISSUES FACED BY RETAILERS
100M+
Customers served
Order & Sell Digital Products: No physical inventory to manage. Retailer orders electronically upon consumption for sale. Instant settlement & commissions realized. 100% transparency with no hidden charges
Transaction History: Recording of purchase, consumption & earnings
Request for Payment: E-invoicing and option of sending request for payments
Lending: Provision of lending to small retailers through banking partners based on actual transactional and earning data
25,000+
Active Retailers
7B+
PKR Gross Merchandise Value annually
Operationally break even in 2018 with 80% receivables through banking channels.
OUR PROBLEM……. Lack of knowhow amongst banks and taxation authorities on how to treat such businesses resulting in an inability to get a simple working capital line

10. Thank You!