Karachi, December 29, 2025 — Pakistan’s digital banking landscape took a notable step forward as Dubai Islamic Bank Pakistan announced a strategic partnership with Zindigi, the digital banking platform owned by JS Bank, aimed at expanding Shariah-compliant and technology-driven financial services across the country.
Under the agreement, DIB Pakistan will provide a Current Account facility for Zindigi, allowing users to operate the account directly through the Zindigi app. This integration means customers can access Islamic banking services seamlessly within a fully digital environment, without the need for physical branch visits. The move reflects a broader shift in Pakistan’s banking sector, where digital-first solutions are increasingly being adopted to meet the needs of a young, mobile-savvy population.
Speaking at the signing, DIB Pakistan CEO Muhammad Ali Gulfaraz described the collaboration as a natural extension of the bank’s commitment to innovation and ethical finance. He noted that partnering with a fast-growing digital platform like Zindigi allows DIB to extend its reach while maintaining Shariah principles and customer-centric values. Industry observers see this as part of a wider trend among Islamic banks to integrate with fintech and neobank-style platforms to remain competitive.
Zindigi’s Chief Officer, Noman Azhar, said the partnership introduces a fully Shariah-compliant offering within Zindigi’s ecosystem, giving customers greater choice in how they manage their finances. He emphasised that faith-aligned banking should be accessible, transparent, and digitally seamless especially at a time when consumers are increasingly looking for alternatives that match both their values and lifestyle.
The collaboration is designed as a scalable and future-ready platform, with plans to expand into additional digital financial products over time. Analysts suggest this could include payments, savings, financing, and other value-added services tailored to underserved and digitally inclined segments of the population. Pakistan has seen rapid growth in branchless banking and digital wallets over the past few years, driven by smartphone penetration, regulatory support, and demand for convenient financial access.
By combining DIB Pakistan’s expertise in Islamic banking with Zindigi’s digital infrastructure, the partnership aims to accelerate financial inclusion while strengthening trust in digital Islamic finance. As competition intensifies in Pakistan’s fintech space, collaborations like this are increasingly viewed as essential for banks seeking relevance in a fast-evolving market.
The agreement underscores a shared ambition to modernise banking in Pakistan by blending compliance, innovation, and accessibility and it signals how traditional financial institutions and digital platforms are reshaping the future of money management in the country.
