Sarmayacar

OneLoad is a fintech product developed by EP Systems, a subsidiary of Systems Limited, and is supported by funding from organizations such as the World Bank Group and the Bill & Melinda Gates Foundation. The company offers a digital wallet and payment platform aimed at enhancing financial inclusion and access to digital payments in Pakistan. By providing interoperability among various branchless banking services, OneLoad enables users, particularly those who are unbanked, to access a range of financial services through a single platform. This innovative approach seeks to streamline financial transactions and promote greater access to essential banking services for the mass market.

Bykea is an app-based platform in Pakistan that offers ride-hailing and logistics services, primarily utilizing bikes as a mode of transport. This choice allows it to navigate congested urban areas more efficiently than traditional vehicles. The platform provides an array of services, including two-wheeler rides, food and grocery delivery, and payment solutions, all designed to address the challenges of transportation and logistics in the region. Bykea's application enables users to book rides easily, track the estimated arrival times of drivers, and locate them via GPS, ensuring a safe and reliable experience at an affordable price. Through its innovative approach, Bykea aims to improve the transportation landscape in Pakistan.

Abhi is a financial wellness platform based in Pakistan, founded in 2021, that focuses on providing salary advances to employees based on their accrued wages. The platform enables users to withdraw a portion of their earned salary directly into their bank accounts, thereby offering a solution to immediate financial needs without hidden charges. In addition to its salary advance services, Abhi supports employers by streamlining payroll processes and reducing the administrative burden on HR and finance departments. The company aims to enhance financial access and flexibility for employees while ensuring timely payments for employers, ultimately transforming the way individuals manage their finances.

Start Up Early is an educational platform based in Lahore, Punjab, that focuses on enhancing the learning experience for Pakistani youth by offering a diverse range of co-curricular courses. Founded in 2019, the platform aims to help students discover and pursue their interests, thereby fostering personal growth and skill development. In addition to its course offerings, Start Up Early provides tools for educational management, allowing schools and teachers to effectively manage student activities, generate reports, communicate with parents, and evaluate educational outcomes. This comprehensive approach seeks to improve educational quality and facilitate a more engaging learning environment for students.

Jugnu operates a B2B e-commerce marketplace designed to enhance the livelihoods of small to medium-sized retailers in Pakistan. The platform connects brands directly with grocery stores, providing them with access to a wide range of products, transparent pricing, and reliable service. Jugnu facilitates next-day delivery for all purchases, allowing retailers to efficiently procure inventory for their businesses. By simplifying the ordering process and offering financial services, Jugnu aims to uplift the local economy and support the growth of small retailers across the country.

oladoc.com is an online healthcare platform based in Lahore, Pakistan, founded in 2016. It serves as a comprehensive resource for users seeking to find and book appointments with doctors and specialists in their vicinity. The platform allows patients to search for healthcare providers based on specialty, location, satisfaction scores, and waiting times, facilitating confirmed appointments at no cost. In addition to appointment booking, oladoc.com offers services such as home delivery of medicine, home lab testing, and nursing services. It also features a practice management solution for healthcare providers and hospitals, enabling them to automate their operations and manage patient data efficiently. With over 4,500 subscribed providers, oladoc.com connects more than 500,000 patients each month, aiming to enhance the accessibility and affordability of healthcare in Pakistan.

Abhi is a financial wellness platform based in Pakistan, founded in 2021, that focuses on providing salary advances to employees based on their accrued wages. The platform enables users to withdraw a portion of their earned salary directly into their bank accounts, thereby offering a solution to immediate financial needs without hidden charges. In addition to its salary advance services, Abhi supports employers by streamlining payroll processes and reducing the administrative burden on HR and finance departments. The company aims to enhance financial access and flexibility for employees while ensuring timely payments for employers, ultimately transforming the way individuals manage their finances.

Abhi is a financial wellness platform based in Pakistan, founded in 2021, that focuses on providing salary advances to employees based on their accrued wages. The platform enables users to withdraw a portion of their earned salary directly into their bank accounts, thereby offering a solution to immediate financial needs without hidden charges. In addition to its salary advance services, Abhi supports employers by streamlining payroll processes and reducing the administrative burden on HR and finance departments. The company aims to enhance financial access and flexibility for employees while ensuring timely payments for employers, ultimately transforming the way individuals manage their finances.

Bykea is an app-based platform in Pakistan that offers ride-hailing and logistics services, primarily utilizing bikes as a mode of transport. This choice allows it to navigate congested urban areas more efficiently than traditional vehicles. The platform provides an array of services, including two-wheeler rides, food and grocery delivery, and payment solutions, all designed to address the challenges of transportation and logistics in the region. Bykea's application enables users to book rides easily, track the estimated arrival times of drivers, and locate them via GPS, ensuring a safe and reliable experience at an affordable price. Through its innovative approach, Bykea aims to improve the transportation landscape in Pakistan.

Dot & Line is an alternative learning environment focused on primary school children in Pakistan. It aims to create scalable and low-cost educational settings that enhance learning outcomes in mathematics and literacy. The organization empowers women by providing opportunities for meaningful employment while contributing to the educational development of children, particularly in mastering foundational math skills. Dot & Line emphasizes innovative educational research, nurturing curiosity, and promoting critical thinking among students. Through its after-school programs, the company strives to foster both academic excellence and economic empowerment in the communities it serves.

Dot & Line is an alternative learning environment focused on primary school children in Pakistan. It aims to create scalable and low-cost educational settings that enhance learning outcomes in mathematics and literacy. The organization empowers women by providing opportunities for meaningful employment while contributing to the educational development of children, particularly in mastering foundational math skills. Dot & Line emphasizes innovative educational research, nurturing curiosity, and promoting critical thinking among students. Through its after-school programs, the company strives to foster both academic excellence and economic empowerment in the communities it serves.

Bykea is an app-based platform in Pakistan that offers ride-hailing and logistics services, primarily utilizing bikes as a mode of transport. This choice allows it to navigate congested urban areas more efficiently than traditional vehicles. The platform provides an array of services, including two-wheeler rides, food and grocery delivery, and payment solutions, all designed to address the challenges of transportation and logistics in the region. Bykea's application enables users to book rides easily, track the estimated arrival times of drivers, and locate them via GPS, ensuring a safe and reliable experience at an affordable price. Through its innovative approach, Bykea aims to improve the transportation landscape in Pakistan.

PublishEX is the only Pakistani company to have become a viable multi telco payment aggregator with agreements and integrations ongoing with 3 of the 4 largest operators covering 85% marketshare of the total cell phone market in Pakistan. Our solution allows integration of over 100m subscribers to make payments online without requiring a bank account, credit card or having to go to carrier specific mobile wallets.