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1LINK to engage PAYSYS LABS for “1Bridge”- A Platform for Enablement of Biometric Interoperability & RTP Transactions

February 01, 2019: In a bid to accelerate enablement of advanced digital payment methods, 1LINK (Pvt) Limited (1LINK) has engaged Paysys Labs (Paysys) to implement the platform - 1Bridge. This implementation shall facilitate 1LINK to swiftly enable member banks in providing ubiquity of cash withdrawal through 1LINK- 1ID (biometric interoperability scheme) and greater flexibility for payments through Request to Pay (RTP), fulfilling the long running request to launch a direct debit variant in Pakistani payments space. The signing ceremony was held at 1LINK’s head office in Karachi.

With the enablement of 1LINK-1ID, member banks’ ADCs customers can benefit from the biometric cash withdrawal scheme, which enables customers to withdraw cash from their account/mobile wallet via any participating member banks’ ATMs and branchless banking agents through biometric verification. Consumers and businesses will also have greater flexibility for payments with 1LINK-1RTP, as they will be able to generate direct debit request which will be approved by the payer.

On the occasion, Mr. Najeeb Agrawalla, CEO 1LINK said, “1LINK is committed to introduce cost effective digital payment solutions for masses while focusing on increasing digital payments adoption. 1LINK-1ID and 1LINK-1RTP initiatives have potential to proliferate digital payment use cases, while ensuring simplified onboarding on member banks end. We are confident that this solution shall enable banks to seamlessly adopt 1LINK-1ID and 1LINK-1RTP solutions without exorbitant cost or time delays.

While sharing his thoughts, Mr. Karim Jindani, CEO Paysys said, “For us, it’s all about giving our clients access to the modern and secure payment solutions irrespective of the medium the customer chooses to use. As a FINTECH, we must be agile to adapt and offer solutions that align with changing customer behavior. In this evolving landscape, 1LINK-1ID and 1LINK-1RTP platform is the need of the hour. Through this platform, end customers will be able to go card-less and use a faster and reliable payment method. We are extremely excited to be a part of this project and hope this association with 1LINK goes a long way for future endeavors.” Mr. Ali Abbas Sikander co-founder and Director, Paysys was also present on the occasion.


Paysys Labs participated in the GSMA Mobile Hackathon Challenge. The Hackathon was organized in partnership with Telenor Bank Pakistan and Karandaaz Pakistan. The central goal of the hackathon was to test the harmonized mobile money APIs, jointly designed by key industry stakeholders in 2016 to ensure best practice and to reduce fragmentation in the fast-growing mobile money industry.

Team Paysys presented the idea of a Facebook Messenger bot, leveraging artificial intelligence for merchant payments, impressed the panel with its user-friendly interface and clever integration of Pakistan’s most popular social network. Team Paysys proudly received the runners-up trophy and access to Cohort 2 of Telenor Bank’s Velocity programme along with Sony Extra bass headphones from the GSMA.


Paysys Labs won the first-ever Fintech disrupt Challenge organized by Karandaaz – a not-for-profit company and a leading source of financing Pakistan’s innovative growing businesses.

Out of a total of 61 applicants from all parts of the country, 28 were invited to present at the FINTECH DISRUPT CHALLENGE 2016 held in collaboration with LUMS Center for Entrepreneurship. Ten finalists were shortlisted by judges which included subject matter and investor experts from ArbiSoft, Acumen, Bank Al-Falah and board members of Karandaaz. Paysys Labs along with two other companies emerged as the winners. On the occasion Ali Sarfraz, CEO of Karandaaz Pakistan stated,” This competition showcased an incredible display of talent from startups across the nation. We have now completed the first step in the process with these awards. The next and more vital piece of this challenge will be getting the deals completed and setting up a soft landing for winning startups who aspire to disrupt FinTech industry. We look forward to expediting that process and helping companies like Paysys to gain traction in the Pakistan market.”

Instascan – Hardware-less, Mobile Based Biometric Solution

Paysys Labs, a payments and digital financial solutions company provides reliable and secure technology platforms that enable banks, telcos and businesses to offer their customers a vast array of payment types, across multiple channels, anywhere at any time.
Keeping in view the modern requirements of bio-metric verification for customer validation, Paysys aimed to provide a hardware-less mobile based fingerprint bio-metric scanning application-Instascan. The biometric data is extracted from a picture of a finger, taken from a smartphone camera, without requiring any additional hardware. The image is then processed in Paysys servers where the designated algorithms extract the biometric data from the picture which is then forwarded to the client for NADRA verification.
Customers of all industry verticals can be biometrically verified anywhere and at any time, without organizations incurring additional hardware costs. Be it verification required for opening bank accounts, mobile wallets or providing proof-of-life for pension disbursement or at time of delivery of goods etc. Instascan covers all use cases.
With mobile penetration as high as 79% in Pakistan, 26% of which are smartphone owners, service providers can onboard more customers instantly without having to bear expensive costs of physical equipment, especially in remote areas. This would also allow the users to reach and target a wider range of audience, digitally, all over the country. Unlike the more common hardware solutions, this solution is entirely software-based, which gives financial service providers the ability to deploy it faster as compared to those that are hardware-based.
Another highlight of Instascan is its instant enrollment for customers. Since the solution is not a standalone application, it can be integrated by any financial service provider through open APIs. That means, banks can facilitate account opening through their mobile banking application. At the back-end, the solution can easily be integrated with any existing core banking system. Since all information would be taken from customers digitally and authenticated instantly via NADRA, our solution can provide the required data electronically to the bank. Similarly, the solution can also be used for other use cases as well, where a user wants to subscribe an insurance plan remotely, from anywhere in the country at their own convenience. The solution can be integrated with the insurance company’s existing mobile solution and relevant data can be forwarded securely.

Existing Clients

JS bank was the first bank in Pakistan to integrate Instascan, providing convenient ways to their customers to authenticate themselves and avail banking services instantly. The solution is not only catering approximately 1000 verification requests per day but is also used for “Over the Counter” transactions meeting the regulatory requirements of biometric verification. Currently, the solution is also being deployed at IGI Insurance Limited. The solution will enable IGI insurance to seamlessly incorporate biometric authentication through open APIs, without incurring costs of a purpose-built hardware and concerning themselves with factor redesigns.

The Future

In the times of increasing branchless operations and digitizing of the financial services, Instascan is a feasible alternative to conventional biometric verification procedures.
Karim Jindani, Chief Executive Officer of Paysys Labs commented:
” It is still early days for Instascan with a lot of market potential. We strongly believe that secure & friction-less identity verification is one of the major challenge in digital financial services space in Pakistan today. Instascan, will provide banks, telcos, courier service providers a seamless and purely digital process that can be used to authenticate and verify potential customers anywhere and at any-time.”