ISLAMABAD: Cashless Pakistan ka roadmap is hafte aik aur qadam aage barh gaya, jab Wazir-e-Mamlakat Baraye Khazana Bilal Azhar Kayani ne Finance Division mein aik follow-up meeting ki sadarat ki. Ye meeting Wazir-e-Azam Shehbaz Sharif ki hidayat ke baad hui, jin hon ne 100 faisad digital payments ke liye wazeh timelines ke saath aik roadmap banane ka hukm diya tha.
Cashless Pakistan ka ye mansuba June 2025 mein Wazir-e-Azam ki nigrani mein launch hua tha. Is ke teen bunyadi sutoon hain: awam ki sahulat, shaffafiyat, aur economy ko document karna. Hukumat ka kehna hai ke jab payments digital hongi, to har transaction ka record hoga aur corruption kam hogi.
Digital payments mein izafa
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Is mansubay ke nateeje ab saamne aa rahe hain. Sirf aik saal mein mulk mein digital transactions 6.9 billion se barh kar 11.3 billion tak pahunch gayi hain. Ye izafa dikhata hai ke log ab cash ki bajaye mobile banking aur digital payments apna rahe hain.
Meeting mein bataya gaya ke 25 high-impact wafaqi aur subai idaron ko mukammal digitisation ke liye muntakhab kiya gaya hai. In idaron ki tamam payments December 2026 tak Raast ke zariye ki jayein gi, jo State Bank ka instant digital payment system hai.
Raast aur 16 November ki deadline
Is silsile mein aik bara faisla ye hua hai ke 16 November 2026 se in accounts ke tehat tamam payments Raast ke zariye hongi. Isi tarah, Easy Assignment Accounts ke zariye cheque-based payments 15 November 2026 se band kar di jayein gi. Ye tareekhen is baat ki nishani hain ke hukumat is kaam mein kitni sanjeeda hai.
Raast State Bank of Pakistan ka instant digital payment system hai, jis ke zariye paisa aik account se doosre account mein foran transfer ho jata hai. Is ka istemal aam log bhi kar sakte hain, aur hukumat bhi apni payments is ke zariye kar rahi hai. Raast ki wajah se payments tez, sasti aur mehfooz ho gayi hain.
Meeting mein Raast QR Merchant Discount Rate (MDR) scheme par bhi baat hui. QR code se dukaan par payment ab aam ho rahi hai, aur is scheme ka maqsad dukandaron ke liye is tareeqe ko aur sasta banana hai.
Idare, internet aur aam aadmi
Is mansubay mein kayi idare mil kar kaam kar rahe hain. In mein Wazarat-e-IT aur Telecommunication, NADRA aur Pakistan Digital Authority shamil hain. Har idara apne hisse ka kaam kar raha hai, taake December 2026 ka target poora ho sake.
Wazir-e-Azam ne is baat par bhi zor diya hai ke cashless economy ke liye mulk bhar mein internet ki sahulat zaroori hai. Jab tak har gaon aur shehar mein internet nahi pahunche ga, tab tak har shakhs digital payment nahi kar sake ga. Is liye internet ki coverage barhana bhi is mansubay ka aik ahem hissa hai.
Aam aadmi ke liye is ka matlab ye hai ke ab sarkari payments, bills aur fees digital tareeqe se ada karna aur aasan ho jaye ga. Lambi qatarein aur cash sambhalne ki pareshani kam ho jaye gi, aur mobile payment se waqt bhi bache ga.
Technology Pakistan mein rozana zindagi badal rahi hai, aur cashless payments is tabdeeli ka aik bara hissa hain. Jab log digital payments karte hain, to un ka paisa bank mein rehta hai, aur har transaction ka record banta hai. Is se economy zyada shaffaf hoti hai.
Economy, mushkilat aur QR payments
Economy ko document karna is mansubay ka aik bara maqsad hai. Jab har payment digital hogi, to hukumat ko pata chalega ke paisa kahan ja raha hai. Is se tax ki wasooli behtar hogi, aur economy ki asli tasveer saamne aaye gi.
Lekin is safar mein mushkilat bhi hain. Abhi bhi bohat se logon ke paas bank account nahi hai, aur kayi ilaqon mein internet ki sahulat achi nahi hai. Chhote dukandaron aur dehati ilaqon ke logon ko digital payments ki taraf lana aik bara challenge hai.
QR payments dukaanon par tezi se phail rahi hain. Ab chhoti dukaanon par bhi QR code nazar aata hai, jahan customer apne mobile se scan kar ke payment kar deta hai. Is se dukandar ko cash ginnay ki zaroorat nahi rehti.
December 2026 ka target aur aage ka safar
December 2026 ka target ab door nahi hai. Aane wale mahinon mein mazeed idare Raast se jurain ge. Agar ye target waqt par poora ho gaya, to ye Pakistan ki digital economy ke liye aik bara qadam hoga.
Cashless Pakistan sirf aik sarkari mansuba nahi hai, ye aik tabdeeli hai jo har shakhs ki zindagi ko chhuye gi. Aage ka safar is baat par munhasir hai ke internet, awareness aur sahulat teeno saath saath barhein. Agar aisa
hua, to Pakistan aik digital economy ki taraf tezi se barh sake ga.
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Source: TechX