Digital payments & SME
Pakistan's move to digital money, measured quarterly. It comes from the SBP Payment Systems Review and the SBP SME Finance Review. This is the alternate-data layer that headline GDP misses.
| Module | alternate |
| Frequency | Quarterly (quarter-end dates) |
| History | Payments 2023 →; SME finance 2019 → |
| Endpoint | /v1/series/{id} |
| Units | Volume in millions of transactions; value in Rs billion (per series unit) |
Raast (instant payments)
| Id | What it is |
|---|---|
payments.raast.total.value · payments.raast.total.volume |
All Raast transactions |
payments.raast.p2p.value · .volume |
Person-to-person |
payments.raast.p2m.value · .volume |
Person-to-merchant |
payments.raast.bulk.value · .volume |
Bulk (e.g. salaries, G2P) |
Infrastructure & users
payments.atms, payments.pos_machines, payments.pos_merchants, payments.qr_merchants, payments.ecommerce_merchants, payments.payment_cards, payments.cards.credit, payments.cards.debit, payments.cards.prepaid, payments.cards.social_welfare, payments.mobile_banking_users, payments.internet_banking_users, payments.ewallet_users, payments.bb_agents, payments.bank_branches.
Transactions by channel
payments.channel.<channel>.volume / .value for atm, pos, internet, mobile, ivr, ecommerce, ewallet and bb_app (branchless app). Also payments.retail.value, payments.retail.digital.value, payments.retail.otc.value, and large-value payments.prism.value / .volume.
curl -H "X-API-Key: pk_live_xxx" \
"https://api.pakdatahub.com/v1/series/payments.raast.p2p.value?sort=asc"
SME finance
| Id | What it is |
|---|---|
sme.outstanding |
SME financing outstanding |
sme.borrowers |
Number of SME borrowers |
sme.npl_ratio |
SME non-performing loan ratio, % |
sme.share_pvt_sector |
SME share of private-sector credit |
sme.facility.working_capital · .fixed_investment · .trade_finance |
By facility |
sme.sector.manufacturing · .trading · .services |
By sector |
sme.bank_share.public · .private · .islamic · .specialized · .dfis |
By bank group |
sme.islamic.total |
Islamic SME finance |
Branchless-banking detail (agents, accounts, transactions) is under payments.branchless.* in Money & banking.
Use cases: fintech market sizing, adoption KPIs, diligence, financial-inclusion research. See the payments module page.