BISP has launched a pilot to deliver stipends digitally through wallet accounts, aiming to make payments faster, safer and more transparent for beneficiaries. The initial rollout targets selected districts and links each wallet to a woman’s CNIC and registered mobile SIM, marking a big step toward digital inclusion.
What the Pilot Does and Where it Started
The pilot activates automatic wallet account creation when a provided SIM is registered and linked to a beneficiary’s CNIC. Starting districts include major southern and southern-Punjab areas where the programme will test direct transfers, account access, and cash withdrawals via mobile money agents and bank partners.
Key Features Beneficiaries Should Know
This project supplies pre-registered JazzCash SIMs, creates wallets automatically at activation, and deposits quarterly stipends directly into those wallets. Beneficiaries will get SMS alerts, can withdraw at agents or ATMs, and avoid long queues and agent deductions — improving dignity, security and financial independence.
Why Digital Wallets Matter for BISP Recipients
Digital wallets remove middlemen and record every transaction, reducing corruption and payment leakage. For women beneficiaries, linked CNIC + SIM wallets mean consistent access to funds, easier tracking of payments, and a path toward formal financial tools that help household budgeting and future savings.
Benefits vs Challenges (Quick Table)
| Benefits | Challenges |
| Direct transfers to CNIC-linked wallets | Low digital literacy among some beneficiaries |
| No agent deductions or long queues | Network or coverage issues in remote villages |
| 24/7 access via agents/ATMs | Need for fraud awareness (PIN/OTP protection) |
| Better payment traceability | Large logistical task to distribute SIMs and train users |
How the Pilot Works — Step-by-Step
BISP issues a pre-registered JazzCash SIM to eligible beneficiaries.
Beneficiary activates the SIM and it’s automatically linked to their CNIC.
A wallet account is created on activation and the beneficiary receives an SMS confirmation.
Quarterly stipend is transferred into the wallet; cash can be withdrawn from agents or ATMs.
Practical Example (Real-world scenario)
A mother in a pilot district receives a free SIM from a field team, activates it at a nearby outlet and gets a confirmation SMS. Her next stipend is deposited directly into the newly created wallet, she visits a local JazzCash agent to withdraw money, and the full amount reaches her without intermediaries.
Tips for Beneficiaries to Use Wallets Safely
Always keep your SIM registered to the same mobile number, never share OTPs or PINs, note withdrawal agent locations, and ask for help from local BISP staff for first-time transactions. Basic training sessions can dramatically reduce mistakes and protect funds.
