International Journal of Education and Management Engineering(IJEME)

ISSN: 2305-3623 (Print), ISSN: 2305-8463 (Online)

Published By: MECS Press

IJEME Vol.11, No.4, Aug. 2021

Conducing the Cashless Revolution in Pakistan Using Enterprise Integration

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Sania Zafar, Sidra Riaz, Waqas Mahmood

Index Terms

Cashless, e-wallet, Fintech, plastic money, Enterprise integration


The cashless revolution is changing the landscape of the banking industry in Pakistan. In addition to internet and phone banking, a major role is played by Fintech applications such as UPaisa, Easypaisa, and JazzCash. This paper aims to study the public perception of a cashless Pakistan and the potential of Pakistan to develop into a cashless economy. We conduct an exploratory survey to find out the needs, expectations, perceptions, and fears of the consumers associated with cashless technology, and then discuss various ways in which Pakistan can go completely cashless such as e-wallets, debit cards, and other digital payment systems. The results of the survey show a positive response of the public towards a cashless Pakistan. Several factors are identified that the public faces. These make the public reluctant to move to cashless technology. This paper will point these out, and suggest solutions to these problems; paving the path towards a cashless Pakistan. 

Cite This Paper

Sania Zafar, Sidra Riaz, Waqas Mahmood, " Conducing the Cashless Revolution in Pakistan Using Enterprise Integration", International Journal of Education and Management Engineering (IJEME), Vol.11, No.4, pp. 12-25, 2021. DOI: 10.5815/ijeme.2021.04.02


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