Nadeem Hussain

Banks or fund managers?

Banks or fund managers?

Bank CEOs must tell their boards about structural imbalances that exist in the banking industry Published 31 May, 2021 07:02am
The age of digital banks

The age of digital banks

Digital banks that have a path to profitability offer digital lending, personal finance management and robo-advisory. Updated 24 May, 2021 09:35am

Low-cost housing: a slow start

Banks’ experience in housing finance is limited to providing funding to their own staff or to the high-end customers in... Published 17 May, 2021 06:40am
Regulators’ force multipliers

Regulators’ force multipliers

Lack of interest among commercial banks for non-banked customers and limited capital for fintechs are not a regulatory issue Published 07 Dec, 2020 07:25am
Unbundling the banks

Unbundling the banks

Anybody, including fintechs, should be able to offer banking products on a core banking application... Published 16 Nov, 2020 07:08am
Digitising the kiryana eco-system

Digitising the kiryana eco-system

E-commerce’s share even in the most digitally advanced countries has not crossed 25pc; in Pakistan, it is less than 1pc Published 09 Nov, 2020 07:49am
Health tech — the force multiplier

Health tech — the force multiplier

We have 130,000 practising doctors for a country of 220m, well below the WHO minimum of one doctor for every 1,000 persons Published 19 Oct, 2020 07:12am
Peeling back the onion

Peeling back the onion

If the lending is to be Rs430bn in the first year, the government would need to subsidise Rs36bn for it. Updated 05 Oct, 2020 09:49am
Mini loans for major change

Mini loans for major change

We have the demand and the technology to increase consumer loans to 10m and nano (under Rs5,000) loans to another 40m customers. Updated 28 Sep, 2020 10:49am
How to make Pakistanis save

How to make Pakistanis save

The irony is that people save, just not within the formal system: 23pc via the committee mechanism. Updated 21 Sep, 2020 10:25am
The edtech silver bullet

The edtech silver bullet

The solution for our education challenge is not to just throw more money at it but to explore technology... Published 14 Sep, 2020 06:47am
The future of digital banking

The future of digital banking

The ground reality is that most commercial banks in Pakistan operate like asset management companies. Updated 01 Sep, 2020 10:10am
How to make Digital Pakistan work

How to make Digital Pakistan work

Developing ‘Pakistan Stacks’ will allow each citizen to have their own electronic locker where their records will be available. Updated 17 Aug, 2020 08:38am