Fintech-Bank Collaboration Expands Access to Small-Ticket Loans Nationwide
ABHI Microfinance Bank has partnered with Zanda Financial Services to expand access to small-ticket digital loans in Pakistan. The collaboration integrates ABHI’s regulated banking infrastructure with Zanda’s technology-driven customer interface, enabling users to apply for and receive loans seamlessly through mobile platforms. Loan disbursement, wallet operations, and repayments will be managed within ABHI’s secure banking framework.
This initiative reflects a growing trend in Pakistan’s financial sector, where banks and fintechs are joining forces to bridge the gap between formal finance and underserved digital populations. By embedding credit into digital ecosystems, the partnership aims to provide an alternative to informal borrowing channels, offering short-tenure, small-value loans to meet everyday financial needs such as emergencies and cash flow gaps. Responsible lending practices, including customer verification and risk assessment, remain central to the model.
ABHI-Zanda Alliance Signals Shift Toward Tech-Driven Financial Inclusion
Beyond individual credit access, the partnership highlights a broader shift toward technology-led financial inclusion in Pakistan. With banks increasingly leveraging fintech collaborations to reach customers digitally, ABHI and Zanda are positioning themselves at the forefront of this transformation. The agreement underscores ABHI’s strategy of combining banking stability with innovation, while giving Zanda the regulated backbone needed to scale digital lending responsibly.
