Maaz Uddin

Researching digital finance & financial inclusion in Pakistan. Built MSc Finance, QAU. FinTech · Emerging Markets · KPK

[Maaz Uddin @promaaz]

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[Maaz Uddin @promaaz]

What do you think is the actual barrier — product design, distribution, or something else?

[Maaz Uddin @promaaz]

Pakistan has 240 million people and mobile money penetration under 7%.

Kenya solved this in 2007.

Here's what the research actually says about why — and why most explanations get it wrong.

[Maaz Uddin @promaaz]

My own research on digital finance in Pakistan
keeps coming back to this.

We've been studying the wrong variable.

Not trust. Not regulation.

Whether the product solves something urgent
enough to actually change behavior.

M-Pesa did.
Most of what came after didn't.

[Maaz Uddin @promaaz]

@IrshadUmarii4 @Umar96Akmal It's Umar Akmal thing 😂

[Maaz Uddin @promaaz]

@zulfimyfriend @Badass1ZQ1 😂😂😂😂

[Maaz Uddin @promaaz]

@zulfimyfriend @Badass1ZQ1 😂😂😂😂

[Maaz Uddin @promaaz]

@LjubinaIlic @izthisJudah Yes she was , we have to stop the aggressor.

[Maaz Uddin @promaaz]

@JMNewsNetwork_ They called him uncivilized when he was eating biryani with his hands and alhamdullah now he made everyone setting on the ground for aftar. 💕

[Maaz Uddin @promaaz]

@sanakazmi36 We deal With women so everything included 😁

[Maaz Uddin @promaaz]

@ShahzadYunas786 Punjabi kia 🤪 dumby khaty hai keh abh boycott be Kari.

[Maaz Uddin @promaaz]

@khalidu89823119 @uroojjawed12 Apka shakal bandar jaisa hai ina's aisy fazool begharat bataiii nhi Kia karty ...

[Maaz Uddin @promaaz]

@elsathora I don't know maybe it's because I am Muslim, but tbh the second one you wear hijab looks so beautiful.