Karandaaz, DigiKhata launch Pakistan's first embedded finance facility for small retailers
Karandaaz Pakistan and DigiKhata Financial Services (DKFS) have signed a strategic partnership to launch an Embedded Finance Facility (EFF).
July 09, 2026 (MLN): Karandaaz Pakistan and DigiKhata Financial Services (DKFS) have signed a strategic partnership to launch an Embedded Finance Facility (EFF). This is a first-of-its-kind initiative that turns everyday merchant payments into a pathway to formal credit for Pakistan's small retailers. The model is designed to solve twin problems of the retail sector at once: low adoption of digital payments and limi...