World Bank Laud Pakistan's Digital Growth, Inclusive ID Gains

Published Date : 7/9/2025 

The World Bank's 2025 report underscores Pakistan's strides in digital infrastructure and inclusive ID systems, emphasizing the need for expanded internet access, secure digital identities, and coordinated reforms to bridge the digital divide. Key initiatives like NADRA's CNIC and the RAAST payment system are highlighted as critical to fostering financial inclusion and equitable service delivery. 

As Pakistan moves toward a more digital economy, the World Bank's 2025 Pakistan Development Update report highlights the critical role of digital infrastructure and inclusive ID systems in driving equitable growth. The report stresses that expanding access to affordable internet and secure digital identities is not just a technological goal but a foundational step for improved governance, financial inclusion, and equal opportunities. With coordinated investments in Digital Public Infrastructure (DPI), Pakistan has the potential to transform its digital challenges into opportunities for inclusive progress, according to the World Bank. n nThe report notes that Pakistan has made significant progress in its digital transformation, with initiatives like the Emergency Cash Program during the COVID-19 pandemic, which leveraged NADRA's national ID system, and the RAAST payment platform. These efforts demonstrate how digital services can enhance public service delivery and financial inclusion. However, the report also points out persistent inequalities in infrastructure and accessibility, particularly for women, rural communities, and low-income households, which require additional investment and policy reforms to address. n nDespite advancements in digital ID systems, the World Bank identifies key challenges such as limited broadband availability, inconsistent connectivity, and high costs. These factors create barriers to internet access and service delivery, exacerbating the digital divide. The report emphasizes that without addressing these issues, Pakistan may struggle to fully harness the benefits of digital transformation. To overcome these hurdles, the World Bank recommends accelerating the National Fiberization Plan, expanding last-mile and satellite connections, and reducing regulatory obstacles to make digital services more accessible and affordable. n nA central focus of the report is the development of Digital Public Infrastructure (DPI), which includes secure digital IDs, payment platforms, and interoperable data-sharing frameworks. These components are seen as vital for improving service delivery, building trust, and promoting sustainable development. The World Bank argues that a coordinated approach, combining public and private sector efforts, is essential to unlock the full potential of digital technology in Pakistan. n nThe report also highlights the importance of addressing gender disparities in digital access. While Pakistan has achieved 88.3% adult coverage for national IDs, a 22-point gender gap remains. The NADRA-operated CNIC system provides widespread identity verification, but fully remote digital service delivery is still in its early stages. The World Bank stresses that closing this gap requires targeted policies to ensure women and marginalized groups can fully participate in the digital economy. n nExperts like Tariq Malik, a former NADRA head and digital ID expert, have praised the report's recommendations. Malik noted that from 2021 to 2023, over 7 million women gained digital IDs, significantly narrowing the gender gap. He emphasized the need for reliable connectivity, inclusive financial services, and citizen-centric platforms like OneID to create a digitally inclusive future. Malik also highlighted the importance of data protection and a whole-of-government approach to build trust in digital systems. n nThe report underscores the role of digital inclusion in driving economic resilience. By expanding access to digital services, Pakistan can improve financial inclusion, reduce poverty, and create new opportunities for its population. However, the report warns that without addressing infrastructure gaps and ensuring equitable access, the benefits of digital transformation may remain out of reach for many. n nIn conclusion, the World Bank's report paints a hopeful picture of Pakistan's digital future, but it also calls for urgent action to bridge existing gaps. With the right policies, investments, and collaboration, Pakistan can leverage digital infrastructure and inclusive ID systems to foster long-term growth, empower citizens, and create a more connected and equitable society. 

Frequently Asked Questions (FAQS): 

Q: What is the World Bank's main focus in its Pakistan Development Update?

A: The report emphasizes expanding digital connections and enhancing digital ID systems for equitable service delivery, economic resilience, and long-term development.

Q: What challenges does Pakistan face in digital inclusion?

A: Infrastructure gaps, limited broadband access, cost constraints, and gender disparities in internet adoption.

Q: How does NADRA contribute to digital ID in Pakistan?

A: NADRA operates the CNIC system, providing widespread identity verification and supporting digital services like the Emergency Cash Program and RAAST payments.

Q: What role does Digital Public Infrastructure (DPI) play in Pakistan's digital progress?

A: DPI includes secure digital IDs, payment platforms, and data-sharing tools, which improve service delivery, foster trust, and promote inclusive development.

Q: How has the gender gap in digital access been addressed?

A: Over 7 million women gained digital IDs from 2021 to 2023, narrowing the gender disparity, though challenges remain in mobile ownership and internet adoption. 

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