ISLAMABAD -- Karachi-based law student Hiba Faisal used to borrow her father's debit card every time she wanted to buy something online. But that changed a couple of months ago when the 21-year-old turned to one of a growing wave of apps that are looking to transform parts of Pakistan's financial system.
"Now I make all ... purchases through my [NayaPay] digital wallet, which I signed up for in a few minutes," Faisal told Nikkei Asia, adding that she had never opened a bank account due to the "hassle" and heavy paperwork. "Thanks to digital wallets, we just need a smartphone to start spending money online.
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