The Karandaaz Financial Inclusion Survey (K-FIS) responds to the need identified by multiple stakeholders for timely demand-side data and
practical insights into the state of financial inclusion in Pakistan, including traditional banking, mobile money, and the potential for their
expanded use among the poor. The aim is to:

• Track access to and demand for financial services, with special emphasis on digital financial services (DFS);
•  Measure adoption and use of financial services among key underserved groups (females, youth, poor, rural, and the financially excluded);
• Identify drivers and barriers to adoption of financial services and DFS; and
• Produce actionable, forward-looking insights based on rigorous data to support product and service development and delivery.