摘要：The pathway towards establishing digital services as a part of the financial system appears to have been in construction for a significant period of time. A research paper referred to during the writing of an internal report outlining feasibility for the expansion of ATM management services offered some insight into the growth of banking channels outside of the branch environment. In this paper, an academic from the University of Sindh describes some of the challenges facing Pakistan, and the possibility of upgrading technology and services in the ATM sphere. Bank branches posed limitations to service offering even to their own clients due to restrictions on opening hours, which offers little hope for the vast majority of underbanked users. Some of the innovative shifts away from traditional banking included that it eradicated the need for a person to carry a wallet or use cheques to withdraw money. Without having to enter a bank branch or engaging with a cashier, a customer was able to access their funds directly..
