Pakistan’s largest Microfinance institution – Khushhali Microfinance Bank Limited (KMBL) has now signed an agreement with Adal Fintech – a Techlogix subsidiary focused on ‘Digital Lending’. The scope of this collaboration is to provide digital lending services for Small & Medium Enterprises (SMEs) all over the country. This new partnership will create great value by facilitating retailers and distributors, ensuring convenient access to fully digital financing through instant real-time approval and processing. The venture aims to transform the distribution side of the supply-chain ecosystem in Pakistan.
This data-driven solution features highly innovative technologies, provided by the Adal Digital Lending Platform. Based on Artificial Intelligence (AI), this proprietary lending model evaluates the eligibility of each applicant/merchant to qualify and approve their loan more swiftly. This automation process is fully integrated with the Core-Banking and Digital-Banking systems at Khushhali Bank, delivering real-time credit-disbursement, along with a completely digitized loan-lifecycle, from origination to disbursement and collection.

The President of KMBL – Mr. Ghalib Nishtar expressed his pleasure on the successful automation of the lending lifecycle in Pakistan and said, “This resourceful platform is in line with Khushhali Bank’s commitment to revolutionize financial inclusion in Pakistan, by nurturing the most advanced digital transaction channels. KMBL will continue to invest in building a robust technological infrastructure for digital banking while creating alliances with the most reliable and secured service providers.”
The CEO of Adal Fintech – Salman Akhtar stated that “We are delighted to offer a breakthrough innovation for Digital Lending in Pakistan, in partnership with Khushhali Bank. Our solution will offer real-time access to lending and will help in significantly expanding the access to credit for the SME sector in Pakistan. Our Digital Lending Platform has already enabled more than 10,000 loans over the past few months and we expect to scale this out in collaboration with our partner banks”.
This proprietary lending solution will inspire rapid progress by offering unmatched benefits for the nation, with ‘Zero-cost’ loan origination and servicing. Automation of the lending lifecycle will ensure 100% digital disbursement & collection, featuring a data-driven, prospect-identification process, for unmatched transparency and security. Moreover, its real-time credit-disbursement facility is fully integrated with the most advanced solutions like ‘Temenos’ and Khushhali Bank’s Digital Banking App.
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