ABHI Microfinance Bank, CBA Join Hands to Expand Digital Banking and Retailer Financing Across Pakistan

KARACHI: ABHI Microfinance Bank has partnered with CBA by EPL to launch a nationwide Super Agent Network and retailer lending solutions aimed at boosting financial access and digital innovation across Pakistan.

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The strategic partnership will help expand branchless banking services and support millions of small retailers and merchants nationwide. Moreover, the collaboration focuses on improving access to formal credit and digital financial tools for Micro, Small, and Medium Enterprises (MSMEs).

Under the agreement, ABHI Microfinance Bank will use CBA’s digital network to roll out secure cash-in and cash-out services, digital transaction routing, and biometric account opening facilities. As a result, the initiative will strengthen financial access in urban and semi-urban areas.

Focus on Retailer Lending and Digital Access

The partnership also introduces retailer lending solutions designed to solve liquidity and financing challenges faced by small businesses. Retailers will apply through a digital platform that uses real-time KYC verification and cash-flow data for credit assessment.

Once approved, ABHI will instantly open a wallet account and disburse short-term financing to merchants. In addition, the system will support automated collections and continuous fraud monitoring to ensure compliance and security.

The agreement was signed at ABHI Microfinance Bank’s head office in Karachi. Mariam Pervaiz, Chief Commercial Officer of ABHI Microfinance Bank, and Ghazanfar Ali Khan, Chief Executive Officer of CBA, formalized the partnership. Senior executives from both organizations also attended the ceremony.

Secure Infrastructure to Support Growth

Both organizations will integrate their platforms through secure APIs and SDKs to ensure stable and reliable operations. Furthermore, the companies will jointly conduct technical testing across financing cycles before full-scale deployment.

The agreement also includes strong compliance and risk management safeguards. Either party may terminate the agreement after a 30-day notice period if unresolved issues arise.

Industry experts believe the collaboration can significantly improve digital banking access while helping small retailers move toward formal financial systems.