Payment options have revolutionised thanks to advancements in technology but unfortunately like in every field Pakistan is behind. In the world, financial transaction systems such as Apple Pay have made massive changes but in Pakistan, Apple Pay is still not available.
Recently the UN’s E-Government Development Index (EGDI) ranked Pakistan at 150 out of 193 countries reflecting a lack of progress in the provision of effective online services.

This absence of Apple Pay not only hinders the convenience and security of digital payments for Pakistani consumers but also restricts the potential for economic growth and technological advancement in the country. In this op-ed, we will explore the reasons behind the lack of Apple Pay in Pakistan and shed light on the significance of embracing such innovative payment systems.

One of the primary reasons for the absence of Apple Pay in Pakistan is the relatively slow pace of infrastructure development. For mobile payment systems like Apple Pay to function efficiently, a robust network of contactless payment terminals, compatible point-of-sale systems, and widespread internet connectivity is crucial. Unfortunately, Pakistan’s technical infrastructure is still in the early stages of embracing these technologies.

While Apple Pay has become a household name in many countries, its absence in Pakistan is also attributed to the lack documented economy. A significant portion of Pakistanis still rely on traditional payment methods, such as cash or bank transfers, due to habit or a lack of knowledge about the benefits of mobile payment systems. Increased awareness campaigns, educational initiatives, and partnerships between Apple and local businesses can help bridge this gap and promote the adoption of Apple Pay.

The absence of Apple Pay in Pakistan represents a missed opportunity to leverage the benefits of digital payments and foster economic growth. Embracing Apple Pay would not only enhance the convenience and security of transactions but also position Pakistan as a progressive and digitally advanced nation. It is high time for Pakistan to seize the opportunity and unlock the potential of mobile payment solutions for the betterment of its economy.


Suhaib is an International Relations student at Middlesex University in London. Currently, he working with Propergaanda as a News Writer intern. With a previous background as a researcher in 180 Degrees in Consultancy, Malaysia and other organisations Suhaib brings a unique perspective to his writing. In his free time, he volunteers for various causes, reads about diverse topics, and explores new cafes. Follow Suhaib on Twitter @suhaib_shaukat to stay up-to-date on social issues and a lot more!