Pakistan’s digital payments ecosystem saw significant growth in 2025, driven by the rapid adoption of the State Bank of Pakistan’s instant payment system, RAAST. According to the central bank’s Financial Stability Review, transactions processed through RAAST approached Rs. 50 trillion during the year.
The platform’s user base expanded sharply to 48 million individuals, reflecting widespread nationwide adoption of instant digital payments. Over the same period, nearly two billion transactions were processed, highlighting the growing reliance of both consumers and businesses on digital financial services.
The report also noted stronger engagement from overseas Pakistanis. Inflows through Roshan Digital Accounts (RDA) surpassed $11 billion, with the number of active accounts rising beyond 890,000.
Overall, the State Bank of Pakistan identified digitalization as a major force reshaping the country’s financial landscape, improving access to formal banking and accelerating financial inclusion.
