March 6th, 2017
Mobilink Microfinance Bank, which targets the mass market in Pakistan, has chosen to implement iMAL solution for Loan Originating System (LOS)

Mobilink Microfinance Bank (“MMBL”), a leading player in microfinance and branchless & mobile banking in Pakistan, has chosen Path Solutions’ iMAL for its financial inclusion solution project for Loan Originating System (LOS). The iMAL solution will help MMBL extend its microfinance lending products in unbanked areas of Pakistan and adapt to changing customer needs for digital financial services.

The comprehensive capabilities of the 
iMAL solution, which will be integrated with the bank’s existing core banking system T24 from Temenos, will enable MMBL to grow its lending portfolio, to capture complete information covering both approved and non-approved cases, and to generate variety of reports for management / regulators. The new solution will also enable MMBL to offer finely-tailored short-term credit products to its existing and potential customers. 

MMBL aims to reach out to the vast majority of people in Pakistan who remain financially excluded by leveraging latest technologies. The bank owns 51 business units at present and supports around 100,000 micro entrepreneurs and small farmers in improving their incomes. It conducts over 3 million transactions a month (covering both Branch and Branchless Banking) through a network of around 71,000 agents. MMBL also serves over 8 million mobile wallet holders and provides life and health insurance products to low-income customers.

“MMBL has been one of the early adopters of financial inclusion in Pakistan, and we are committed to ensure inclusive growth and sustainable development of our country”, commented Ghazanfar Siddique, Group Head IT & Operations at MMBL. “We have evaluated different local and international system vendors and selected 
iMAL solution which was meeting our requirements. This strategic decision was necessitated in order to enhance MMBL’s market position, strengthen its delivery channels and partner with a vendor capable of adequately supporting our operations. iMAL perfectly fits into the strategic requirements of MMBL, and Path has a very suitable framework for providing direct and adequate local support to our 51 branches throughout Pakistan”, he said. 

Mohammed Kateeb, Group Chairman & CEO, Path Solutions commented, “Microfinance banks need a robust platform that will enable them to offer branchless banking to support their financial inclusion strategy and the fight against poverty. As part of this mission, the efficiency of operations and cost reduction for low-income customers requires the implementation of an adaptive solution. We are delighted to partner with MMBL to propel its growth in Pakistan. We are confident that 
iMAL is the solution that will enable them to achieve their objectives”

About Mobilink Microfinance Bank

Mobilink Microfinance Bank Limited (“MMBL”), formerly known as Waseela Microfinance Bank Ltd, is a leading player in microfinance and branchless & mobile banking in Pakistan. The bank started its operations on May 2, 2012. Global Telecom Holding S.A.E. (“Global Telecom” – previously Orascom Telecom Holding S.A.E.) is the major sponsor of MMBL. Global Telecom was established in 1998 and has grown to become a major player in the telecommunication market. Global Telecom Holding S.A.E. is a member of the VEON Group (formerly known as VimpelCom Group), one of the world’s largest mobile telecommunications provider by number of customers.

Headquartered in Islamabad, MMBL aims to provide financial solutions to the economically underprivileged in Pakistan for their economic freedom, by using innovative ADCs and promoting micro businesses through an ethical and passionate team, which strives to deliver beyond expectations. The bank plays a leading role in the expansion of financial services such as savings, micro loans, insurance, remittances, branch banking, branchless banking (JAZZ cash), assets products and liabilities products. For more information, visit



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