Digital
SadaPay to launch e-money services in Pakistan after Green Signal from SBP
SadaPay has announced that it has been granted the in-principle approval by the State Bank of Pakistan (SBP) for an Electronic Money Institution (EMI) license. This approval allows SadaPay to ready its operations for the pilot phase, during which the digital wallet will be available on a limited scale, under supervision of the regulator.
The startup is founded by American serial entrepreneur Brandon Timinsky, who ventured to Pakistan after his last startup in the US was acquired. Over the last year, Timinsky has assembled a team of banking veterans, liaised with the regulatory authorities, and built the foundation for a “digital first” financial institution in Pakistan. Dr. Waqar Masood Khan, Pakistan’s former Finance Secretary, has joined SadaPay as Chairman of the Board.
Pakistan is now the 5th most populous country in the world, with over 76 million 3G/4G subscribers and nearly 1 million new smartphones users coming online every month. In light of the COVID-19 pandemic, internet adoption is only accelerating and more people turn to digital solutions for everyday payments. This presents a tremendous opportunity for SadaPay not only in Pakistan, but also a number of other regional markets that the team hopes to expand to.

“Sada” translates to “simple” in both Urdu and Arabic. SadaPay’s mission is to do away with the cost and complexities of traditional banking through their simplified digital-first experience. SadaPay offers a smartphone-based digital wallet accompanied by a free Mastercard debit card.
As soon as a SadaPay account is activated, a virtual debit card is provisioned for immediate use. Also, users can perform free and instant transfers to any bank in Pakistan, and withdraw cash from all of the 14,500+ domestic ATMs with no fees (3x per month). Furthermore, users can also load their account with cash at any of 30,000+ retail locations across the country.
Speaking about the news on the approval, Brandon stated “It’s really amazing to see how committed the State Bank of Pakistan is to adapting to changes in consumer behavior and advances in technology. In the last few months alone, we’ve witnessed tremendous progress by SBP with the release of a number of new regulations that are certain to make an incredible impact on Pakistan’s economy by catalyzing the digitization of its financial system. We’re also very grateful for the support we’ve received from the Bank of Punjab and Mastercard, which will certainly spur our journey towards rapidly expanding financial inclusion in the country”
BRANDON TIMINSKY, FOUNDER OF SADAPAY
Speaking on the occasion, Dr. Waqar said “The role the Central Bank is playing in laying the foundations of a broad-based and user friendly digital payment system in Pakistan is laudable. These efforts have gained momentum since last July. Pakistan would soon be a leading country in digitizing its payment system and SadaPay would play a prominent role to achieve this goal”.
DR. WAQAR MASOOD KHAN, CHAIRMAN OF SADAPAY
Early access to SadaPay will be available for those who have signed up for the waitlist through the website; www.sadapay.pk. SadaPay also has a very feedback-centric approach to their product development roadmap, and they’re also welcoming suggestions via email, hello@sadapay.pk.
Digital
Sindh’s Salary Fiasco: A Digital Leap Marred by Institutional Failure
The Government of Sindh’s ambitious initiative to modernise salary disbursements through the State Bank of Pakistan’s (SBP) Micro Payment Gateway (MPG) was heralded as a transformative step toward efficiency, transparency, and reliability in public sector payments.
The MPG, a platform designed for high-volume, real-time disbursements, promised to streamline the process of paying government employees, replacing outdated manual systems with a digital framework that could ensure timely and accurate salary credits. The successful implementation of this system in Punjab just months ago showcased its potential, offering a glimpse of a future where bureaucratic inefficiencies would no longer hold back progress. Yet, in Sindh, what was envisioned as a leap into the future has instead descended into a chaotic nightmare, exposing deep-seated institutional failures and a troubling lack of empathy for the very employees the system was meant to serve.

As August draws to a close, thousands of government employees across Sindh find themselves caught in a distressing limbo, their salaries delayed or missing entirely. While a fortunate few with accounts at designated banks like the National Bank of Pakistan (NBP) and Allied Bank Limited (ABL) received their salaries on August 25 and 26, the vast majority remain unpaid, with no clear timeline for resolution.
For example, employees in District Kashmore with accounts at Habib Bank Limited (HBL) report no updates on their salary status, leaving them in financial uncertainty. This is not a minor technical glitch; it is a systemic breakdown that has plunged countless families into financial distress, forcing them to grapple with mounting bills, unpaid rent, and the looming threat of utility disconnections
The root of this crisis lies not in the technology itself but in the human and institutional frameworks tasked with its implementation. The MPG system, while sophisticated, is only as effective as the people and processes behind it. In Sindh, the rollout has been marred by a series of missteps that reveal a troubling lack of preparation and accountability.
Employees are caught in a bewildering maze, unsure whether their salaries will arrive via direct bank transfer or manual cheque. Their desperate attempts to seek clarity from District Accounts Offices or the Finance Department are met with either silence or contradictory information. Reports have surfaced that even employees with accounts at the “lucky” banks have not all been paid, pointing to potential errors in data processing or system integration. This has left public servants running from pillar to post, their trust in the government as an employer steadily eroding.
Two critical institutional failures underpin this fiasco. First, there is an alarming lack of training and competence at the District Accounts Office level. The MPG system, driven by complex APIs and real-time processing, demands a level of technical expertise that appears to be absent among many officials. The chaotic rollout suggests that staff were either inadequately trained or entirely unprepared to troubleshoot issues that inevitably arise during the adoption of a new system.
Second, and perhaps more egregious, is the absence of a dedicated support mechanism for affected employees. In an era where customer service is a cornerstone of even the most basic organizations, the Government of Sindh has left its employees stranded, with no helpline, complaint center, or clear channel for recourse. The Accountant General (AG) Sindh’s assertion that the system is in a “trial phase” and that issues will be resolved by September offers little solace to those struggling to meet their financial obligations today. Such statements, while perhaps technically accurate, underscore a profound lack of preparedness and empathy, further fueling confusion and frustration.
The human toll of this administrative failure cannot be overstated. A salary is not merely a transaction; it is the lifeline for millions of middle-class families across Sindh. For many, it represents the sole means of paying rent, covering school fees, settling utility bills, and putting food on the table. When salaries are delayed, the consequences ripple outward, creating a cascade of crises. Landlords demand overdue rent, schools withhold admit cards over unpaid fees, and utility companies threaten disconnection for unpaid bills. The emotional and financial strain on employees is immense, compounded by the selective nature of the payments, which has created a stark divide between the paid and the unpaid. This disparity fosters a deep sense of injustice and deprivation, damaging morale and eroding the trust that public servants place in their employer—the state itself.
The broader implications of this fiasco extend beyond individual hardship. The Government of Sindh’s failure to execute this digital transition effectively undermines its own credibility and raises questions about its capacity to deliver on other modernization initiatives. The MPG system, when implemented correctly, has the potential to revolutionize public sector payments, reducing delays, minimizing errors, and enhancing transparency. Punjab’s success with the same platform demonstrates that the technology is not the issue; rather, it is the institutional framework in Sindh that has faltered. If the government cannot ensure something as fundamental as timely salary payments, how can it inspire confidence in its ability to tackle more complex challenges, such as improving healthcare, education, or infrastructure?
To salvage this situation and prevent future recurrences, the Government of Sindh must act with urgency and decisiveness. The following measures are critical:
1. Establish a Dedicated Helpline: The government must immediately set up a well-publicised, 24/7 helpline to address employee queries and log complaints. This helpline should be staffed by trained personnel capable of providing clear, accurate information and escalating issues for swift resolution.
2. Invest in Comprehensive Training: All District Accounts Office staff must undergo rigorous training on the MPG system’s intricacies, including troubleshooting common issues and ensuring seamless integration with partner banks. This training should be ongoing to keep pace with system updates and technological advancements.
3. Standardise Processes with Clear Instructions: The State Bank of Pakistan must issue unambiguous guidelines to all partner banks to ensure uniformity in salary processing. Discrepancies between banks, such as those experienced by HBL account holders, must be addressed immediately to prevent further delays.
4. Verify Employee Data : The government, in collaboration with the AG’s office, must prioritize the verification of employee data, including CNIC numbers, bank account details, IBANs, and active cell numbers. Accurate data is the backbone of any digital payment system, and errors in this area are likely a significant cause of the current delays.
5. Commit to Radical Transparency: Employees deserve regular, proactive updates on the status of their salary disbursements. The government should implement a system of SMS or email notifications to keep employees informed, reducing anxiety and restoring confidence in the process.
6. Conduct a Post-Mortem Analysis: Once the immediate crisis is resolved, the government must conduct a thorough review of the MPG rollout to identify what went wrong and why. This analysis should involve input from employees, District Accounts Offices, and partner banks to ensure a comprehensive understanding of the failures and how to prevent them in the future.
The promise of digital payment systems like the MPG is undeniable. When executed well, they can eliminate inefficiencies, reduce corruption, and ensure that public servants are paid promptly and accurately. However, technology alone cannot compensate for institutional incompetence or a lack of accountability. The Government of Sindh must recognise that a delayed salary is more than an administrative oversight—it is a broken commitment to the very people who keep the province running. Public servants, from teachers to healthcare workers to administrative staff, deserve better than to be left in financial limbo due to bureaucratic failures.
Restoring confidence in the system will require more than technical fixes; it demands a fundamental shift in how the government approaches its responsibilities as an employer. Streamlining the MPG system with urgency, empathy, and clear communication is not just an administrative necessity—it is a moral imperative. The dignity and financial security of Sindh’s dedicated public servants hang in the balance, and the government must act swiftly to prove that it values their contributions. Only through decisive action and a commitment to accountability can Sindh turn this fiasco into a stepping stone toward a more reliable and equitable future for its employees.
Digital
Empowering Safety and Security: Motorola Solutions’ Innovative Impact in 2024
In a world where safety and security are paramount, the role of technology in enabling critical collaboration between public safety entities and enterprises cannot be overstated. Motorola Solutions, a global leader in mission-critical communication solutions, has once again been recognized for its innovative contributions. Fast Company’s prestigious list of the World’s Most Innovative Companies for 2024 includes Motorola Solutions, highlighting the company’s commitment to pushing the boundaries of safety and security technologies.

Table of Contents
Motorola Solutions: A Pioneer in Safety and Security Technologies
Motorola Solutions has a rich history of innovation dating back to its inception. With a focus on developing cutting-edge communication solutions for public safety agencies, enterprises, and other critical industries, the company has consistently been at the forefront of technological advancements. From two-way radios to advanced software solutions, Motorola Solutions has continuously evolved to meet the ever-changing needs of its customers.
Fast Company’s Recognition: A Testament to Innovation
Being named to Fast Company’s list of the World’s Most Innovative Companies is a significant achievement for Motorola Solutions. This recognition not only acknowledges the company’s past successes but also highlights its ongoing commitment to driving innovation in the safety and security sector. By enabling critical collaboration between public safety agencies and enterprises, Motorola Solutions is playing a crucial role in enhancing overall safety and security measures.
The Impact of Motorola Solutions’ Technologies
Motorola Solutions’ safety and security technologies have had a profound impact on how organizations approach critical communication and collaboration. By providing reliable and secure communication solutions, the company has helped streamline operations, improve response times, and enhance overall situational awareness. Whether it’s during emergencies, natural disasters, or day-to-day operations, Motorola Solutions’ technologies have proven to be indispensable for those tasked with ensuring public safety.
Enabling Collaboration: Bridging the Gap Between Public Safety and Enterprises
One of the key strengths of Motorola Solutions’ technologies is their ability to facilitate seamless collaboration between public safety agencies and enterprises. By breaking down communication barriers and enabling real-time information sharing, these solutions empower organizations to work together more effectively during emergencies and other critical situations. This level of collaboration is essential for creating safer and more secure environments for everyone involved.
Looking Ahead: The Future of Safety and Security
As technology continues to advance at a rapid pace, the role of companies like Motorola Solutions in shaping the future of safety and security becomes increasingly important. By staying at the forefront of innovation and embracing emerging technologies such as AI, IoT, and cloud computing, Motorola Solutions is poised to continue driving positive change in the safety and security landscape. The company’s commitment to excellence and its focus on enabling critical collaboration will undoubtedly play a significant role in shaping the future of safety and security.
Conclusion
In conclusion, Motorola Solutions’ inclusion in Fast Company’s list of the World’s Most Innovative Companies for 2024 is a testament to the company’s dedication to pushing the boundaries of safety and security technologies. By enabling critical collaboration between public safety agencies and enterprises, Motorola Solutions is not only driving innovation but also making a tangible impact on the safety and security of communities worldwide. As we look to the future, it is clear that companies like Motorola Solutions will continue to play a vital role in shaping a safer and more secure world for all.
Digital
Google Pixel 8 Pro: Unveiling the Enhanced Pixel Experience with the New Pixel Launcher Update in Response to Digital Markets Act
Introduction
In response to the Digital Markets Act, Google has released a major update for its Pixel phones, namely the Google Pixel 8 Pro, amid the ever-evolving world of technology and law. The user experience has been altered with this update, primarily concentrating on the home screen with the redesigned Pixel launcher. Let’s examine this clever new feature’s specifics and ramifications.
Table of Contents
Understanding the Digital Markets Act
The Digital Markets Act is a legislative initiative impacting users within the European Union. It aims to regulate large tech companies’ behaviour, including Google, to ensure fair competition and protect consumers’ interests. While currently affecting EU users, other countries like the U.S., U.K., and beyond are closely monitoring these developments for potential adoption of similar laws.
Evolution of Google Pixel Experience
Google’s Pixel phones have been known for their clean Android experience and timely updates. With each iteration, Google strives to enhance user satisfaction by introducing new features and improvements. The Pixel 8 Pro continues this tradition by refining the user interface with a focus on the home screen.
Unveiling the New Pixel Launcher
The centrepiece of this update is the Pixel launcher, which serves as the gateway to the phone’s functionalities. The new launcher offers a more intuitive and personalized experience, catering to users’ preferences and habits. From enhanced customization options to improved organization features, users can expect a seamless interaction with their device.
Key Features of the Updated Pixel Launcher
- Enhanced Personalization: Users can now customize their home screen layout, widgets, and app icons to reflect their unique style and needs.
- Smart Suggestions: The launcher intelligently predicts apps and actions based on usage patterns, streamlining daily tasks for increased efficiency.
- Improved Organization: With better categorization of apps and notifications, users can easily navigate through their digital ecosystem without clutter.
- Integration with Google Services: Seamless integration with Google’s ecosystem enhances productivity and connectivity across devices.
Implications for Users
The updated Pixel launcher not only elevates the user experience but also aligns with regulatory requirements set forth by the Digital Markets Act. By offering more control and transparency over data usage and app recommendations, Google aims to foster trust among users while complying with evolving regulatory standards.
Future Outlook
As governments worldwide observe the impact of the Digital Markets Act on tech giants like Google, discussions around similar regulations are gaining momentum. The proactive approach taken by Google in updating its Pixel phones sets a precedent for other companies to adapt to changing regulatory landscapes while prioritizing user satisfaction.
Conclusion
In conclusion, the introduction of the new Pixel launcher in the Google Pixel 8 Pro marks a significant step towards enhancing user experience and complying with regulatory frameworks like the Digital Markets Act. By embracing innovation and user-centric design, Google continues to set benchmarks in the smartphone industry while navigating complex legal landscapes with agility and foresight.
By combining technological advancements with regulatory compliance, Google paves the way for a more transparent and user-friendly digital future.
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