Building Financial Inclusion JS Bank To Launch Branchless Banking in AJK and GB

Karachi, February 25th, 2019: Working towards financial inclusion, JS Bank, one of the fastest growing financial institutions of Pakistan has partnered with Special Communication Organization (SCO), the leading telecom operator in Azad Jammu and Kashmir (AJ&K) and Gilgit Baltistan (GB) for provision of branchless banking services in these areas.

Catering to some 6 Million people, this collaboration will provide state-of-the-art, convenient and secure branchless banking services to individuals in far flung areas. Undertaken under the direction of the State Bank’s National Financial Inclusion Strategy, this agreement promises to cater to the needs of the unbanked population by offering them formal financial services at the click of a button.

Noman Azhar, Head of Branchless Banking & Digital Initiatives – JS Bank stated, “This partnership with SCO is another step in JS Bank’s efforts to empower the people of Pakistan through provision of innovative and efficient financial services for bolstering economic and social opportunities. We will jointly undertake all efforts to make this project and success as well as explore opportunities for future mutually beneficial business associations.”

Sharing his thoughts on the development, SCO’s spokesperson said, “We are delighted to have partnered with JS Bank to make Mobile Financial Services accessible to the people of AJ&K and GB. S-Paisa will not only bring ease to the lives of millions of people but also prove to be a great contributor to the region’s socio-economic development in the longer run.”

JS Bank is currently providing branch-less banking services including money transfer, utility bill payment and mobile accounts nationwide under its brand name J-Cash. The Bank is known for its innovative products and offerings that caters to the needs of a diverse customer base.


About JS Bank:

JS Bank is one of the fastest growing banks in Pakistan, with 345 branches in 172 cities. The Bank also has an international presence and is a leading player in the digital banking space. JS Bank has received the prestigious award for Best Environmental and Social Governance Bank at the Pakistan Banking Awards 2017. The Bank is part of JS Group, one of the Pakistan’s most diversified and progressive financial services group. For more information, please visit

JS Bank has partnered with Special Communication Organization (SCO), for provision of branchless banking services in Azad Jammu and Kashmir (AJ&K) and Gilgit Baltistan (GB).