Adult population, 120M Per capita GDP Poorest 40% PPP, current international $ Income share held by 62% rural bottom 40% 9,191 23% 17% 4,811 Pakistan Focus country Pakistan Focus country 38% urban average average Financial account ownership, 120M adults Mobile technology penetration Own account Do not own account 5% 185M total 13% population Women Have network 50% coverage l 95% Own mobile a 12% 45% 87% Tot Rural phones 5% Own 88% smartphones MSMEs’ access to credit Share of digital Mobile-money of 9M MSMEs payments accounts 47% 53% <1% 6% of total transactions of adults No Yes by volume 93M $36B (7.0%) $7B Individuals newly GDP boost Reduction in government included in financial by 2025 leakage system 4M $23B New jobs $263B New credit New deposits McKinsey Global Institute Digital finance for all: Powering inclusive growth in emerging economies 87 NOTE: 2014 or latest available data for all statistics except GDP boost.