The Benazir Income Support Programme (BISP) has started a new way of sending money using a system called RAAST. This system will help more than 10 million people in Pakistan. BISP wants to make payments faster, safer, and without the need to handle physical cash. In a meeting, BISP Chairperson Senator Rubina Khalid and Karandaaz’s Chief Digital Officer Sharjeel Murtaza talked about starting this system in seven areas. The plan is to test it in a few places first. If it works well, it will be used all over the country.
| BISP’s Goal | Use RAAST to send money digitally |
| Areas Chosen | 7 low-workload and digital-ready areas |
| Main Benefit | Quick, safe, and 24/7 money access |
| Special Feature | Biometric checks to stop fraud |
Table of Content
- 1 What is RAAST and Why Is It Important for BISP Payments?
- 2 Benefits of BISP Digital Payments via RAAST
- 3 Pilot Launch in 7 Regions with Best Digital Readiness
- 4 Biometric Checks and Mobile Wallets for Security
- 5 Karandaaz’s Role in Supporting BISP Digital System
- 6 How This Change Will Help Poor Families and Women
- 7 Conclusion
- 8 FAQs
What is RAAST and Why Is It Important for BISP Payments?
RAAST is a quick and safe digital money system created by the State Bank of Pakistan. It helps people send and receive money without needing cash. BISP is using RAAST to make payments simple, fast, and secure. This will help poor families get their money easily without standing in long lines or dealing with agents. It will also help women feel safer, as they can get the money directly into their own mobile wallets. It also helps the government keep a clear record of every payment.
Benefits of BISP Digital Payments via RAAST
- 24/7 Access: People can get their money any time, even at night or on weekends.
- No Crowds: No need to visit crowded payment centers anymore.
- Less Fraud: No third person is needed to give the money, so fraud will be less.
- Better Tracking: The government can easily keep records and check payments.
- Women Empowerment: Women in villages will have more control over their money.
- No Long Lines: People won’t have to stand in long lines to get their payments.
- Support for Remote Areas: It is very helpful for people in far areas where banks are not nearby.
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Pilot Launch in 7 Regions with Best Digital Readiness
BISP will start using RAAST in only seven areas for now. These areas have been selected because they have fewer problems and better support for digital wallets. The areas were also picked where staff understand how to use mobile systems better. This trial run will help BISP check if the system works well. If it does, it will be used in other parts of the country too. This step-by-step method allows the team to find problems early and fix them before a full launch.
Biometric Checks and Mobile Wallets for Security
To make the system safe, biometric verification is still required. This means that before someone gets money, their identity will be checked using their fingerprint or other biometrics. This helps stop fraud and ensures that the money goes to the right person. In the trial areas, mobile wallets will be used, which means people can keep their money in their phone app. This is easy to use and very helpful, especially for women who may not want to visit crowded centers.
Karandaaz’s Role in Supporting BISP Digital System
Karandaaz is an organization that supports digital finance in Pakistan. In this project, Karandaaz is helping BISP by giving technical support and planning help. Their role is to make sure that RAAST payment system is easy to use and safe. Karandaaz is also helping BISP train their staff and set up the mobile wallet system properly in the trial areas. The goal is to make the system work smoothly so that beneficiaries don’t face any problems while using it.
How This Change Will Help Poor Families and Women
The shift to digital payments is not only about technology. It is about helping families get their money in a safe and simple way. Rural women will be able to manage their money themselves, without help from others. This promotes self-reliance and respect. It also removes the need for people to go to crowded centers, saving them time and travel costs.
- It gives people full-time access to their funds.
- It promotes dignity and privacy, especially for women.
These changes are made to help poor families live a better life.
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Conclusion
In this article, we are sharing all the details about the BISP digital payment system using RAAST. This new system will help people receive money faster, more safely, and without standing in long lines. The trial will begin in seven areas, and if successful, it will be spread across the country. The goal is to make payments easy, safe, and fair, especially for women and poor families in rural Pakistan.
FAQs
Will I still get my BISP payment if I don’t have a mobile wallet?
No, for now only people in pilot areas with mobile wallets will use this method.
Can I use my phone number for RAAST system?
Yes, once the system is active, your phone number can be linked to your mobile wallet for easy payments.
What if my biometric verification fails?
If your biometric check fails, you will need to visit a BISP office or authorized center to resolve the issue.
Is this system safe from fraud and scams?
Yes, biometric checks and digital records make the RAAST system very safe and reduce the risk of fraud.