Page 150 - The Digital Financial Services (DFS) Ecosystem

ITU-T Focus Group Digital Financial Services
Ecosystem

PROGRAM IMPLEMENTATION

Level of Coverage: 98% of the adult population over 18-120 million identities have been registered
and 97 million ID cards have been distributed .
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Challenges with enrollment or use of the Yes – The cost of NADRA verification for mobile money is high, and it limits the
program by the poor: commercial viability to offering accounts to poor customers .
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% of the enrolled who are poor: Not specified
Challenges with enrollment or use of the Not specified – Cultural inhibitions were thought to be a potential reason for lower
program by women: female registration rates initially , but effective, targeted registration campaigns
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led to overall growth concerning women registration rates and even some of the
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most conservative provinces reached overall registration of 99 percent .
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% of the enrolled who are women: 44% in 2014
Challenges with enrollment or use of the Not specified – Nadra launched an extensive campaign to reach out to traditionally
program by other populations: underregistered populations, including minorities, rural/tribal groups, transgender
groups, orphaned children, those with special needs, those in diaspora, and ref-
ugees. The program included procuring mobile registration vans and motorcycle
units, and hiring man-pack units of hikers, mountaineers, and skiers to hike into
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remote areas to both educate and enroll citizens in the program . The one group
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that has not been widely included in registration is Karachi’s Rohingya population .
Cost/Person: Not specified

Challenges with Implementation or Program: Not specified

Process for responding to implementation Micro-Level (Individual Issues):
challenges: Yes – a grievance system was put in place specifically for emergency aid dis-
tribution, but there is no indication of a larger system for addressing general
challenges. 33
Macro-Level (Systematic Issues):
Yes – the parliamentary standing committee oversees the actions of the
Nadra board of directors and helps to prevent the misuse of data and address
challenges. 34

FUNCTIONAL USES OF PROGRAM

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