ABHI, Finleap partner to expand digital loans and BNPL services

Business Reporter

Karachi: ABHI Microfinance Bank and Finleap Financial Services (Private) Limited have entered into a strategic partnership to expand access to digital lending and Buy Now, Pay Later (BNPL) solutions, as part of broader efforts to address financial disparity and improve inclusion in Pakistan’s formal financial system.

The collaboration seeks to make short-tenure, technology-enabled credit more accessible, particularly for individuals and households that remain underserved by conventional banking channels. Through Finleap’s digital platform, Daira, the initiative aims to provide simple, transparent and responsible credit solutions aligned with the everyday financial needs of consumers.

Officials from both organisations said the partnership combines ABHI Microfinance Bank’s digital-first banking infrastructure with Finleap’s technology-driven lending model, with a shared focus on customer protection, regulatory compliance and responsible innovation.

For many Pakistanis, limited access to timely and affordable financing continues to restrict participation in the formal economy. Representatives from the two companies noted that improved access to structured digital credit can help individuals manage cash-flow pressures, support small-scale consumption and strengthen financial resilience.

The signing ceremony was held in Islamabad and attended by senior leadership from both organisations. The memorandum of understanding was signed by Mariam Pervaiz, Chief Commercial Officer of ABHI Microfinance Bank, and Sheikh Omer Nasim, Chief Executive Officer of Finleap Financial Services (Private) Limited. Also present was Kabeer Naqvi, Entrepreneur in Residence at ABHI (YC S21), along with members of both teams.

Both organisations said the partnership will move forward in line with regulatory requirements and industry best practices. They described the collaboration as a step toward strengthening Pakistan’s digital lending and embedded finance ecosystem, supporting inclusive growth and helping bridge long-standing gaps in access to financial services.

Industry observers note that partnerships between regulated financial institutions and fintech firms are increasingly shaping Pakistan’s financial sector, as digital platforms play a growing role in expanding credit outreach and modernising consumer finance.