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About the client
Hakeem is Pakistan’s leading Shariah-compliant nano-financing and digital wallet. It serves underserved communities such as small business owners, farmers and women with Tawarruq-based financing, secure digital payments, and a route to financial independence.
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The challenge
Loans alone were not enough. The pattern was loan disbursal, then limited retention, then drop-off. To drive real adoption Hakeem needed a central hub that:
- Expanded beyond nano-lending
- Integrated into daily financial routines
- Created new revenue streams through payments and value-added services
// 03
The solution
The Hakeem Wallet was designed as the core of the ecosystem.
- Instant loan disbursal. Approved funds land directly in the wallet
- Everyday services. Bill payments, mobile recharge, digital vouchers
- Flexibility. Withdraw to banks, repay loans, or spend in-app
A reward points system was added to fuel engagement.
- Pay bills and earn points
- Top up or repay loans and earn points
- Redeem points for vouchers, discounts, or cash
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Impact
- Defined the strategic shift from loan disbursal to a full financial hub
- Expanded the roadmap with daily financial services and rewards to drive retention
- Created a reward-driven ecosystem to open new revenue streams and boost adoption
- Set the foundation for Hakeem’s evolution into a lifestyle finance platform
| Measure | Result |
|---|---|
| Underserved users in scope | 20M across Pakistan |
| Strategic shift | Loan app to financial hub |
| Engagement model | Reward-driven ecosystem |