Muhammad Umer - Connected Pakistan

Raast is Pakistan's instant payment system by the State Bank, enabling free, real-time money transfers between people, businesses, and government. In 2026 it's projected to process over $500 billion, exceeding Pakistan's estimated $452 billion GDP. It has grown roughly 162 times since 2022, and a new consent-based "pull payment" feature is launching soon.

Pakistan's freelance economy is entering a K-shaped split: as AI automates commodity work like basic writing and data entry, low-skill freelancers face collapsing demand, while specialized freelancers who use AI and offer human judgment earn more than ever. The era of selling cheap execution is ending; the future rewards those who build and specialize.

The National Artificial Intelligence Advancement Initiative (NAAI) is Pakistan's plan to establish seven AI Hubs, in Islamabad, Lahore, Karachi, Peshawar, Quetta, Muzaffarabad, and Gilgit, to incubate 560 startups over two years and give non-dilutive seed grants to 150. Launched under the National AI Policy, it focuses on healthcare, agriculture, fintech, and more.

Pakistan's Federal Investigation Agency has established a direct official channel with Meta Asia Pacific to speed up investigations into organised cybercrime, online fraud, and hate speech. Meta formally recognised the FIA's Single Point of Contact at the National Command and Control Centre (NC3). Response times for lawful requests are expected to fall from months to days.

PMOS (Prime Minister's Office System) is Pakistan's first AI-powered government platform, launched on July 21, 2026. It records, communicates, monitors, and tracks every directive issued by the Prime Minister, from issuance through implementation, verified completion, and post-completion review, replacing paper-based workflows with digital processes across ministries.

Pakistan and Japan agreed to deepen cooperation in AI, Web3, and digital technologies at a July 2026 startup event in Tokyo, organized by Pakistan's Embassy and the Asia Web3 Alliance Japan (AWAJ). A key driver: Japan faces a shortage of hundreds of thousands of IT engineers by 2030, making Pakistan's engineering talent a strategic asset.

Pakistan's IT exports reached a record $4.5 billion in FY2025-26, up about 29% from $3.475 billion the previous year. The growth was driven by software development, business process outsourcing (BPO), SaaS, and gaming, with Pakistani firms notably expanding into Asia-Pacific markets like Japan and Singapore beyond traditional US and European clients.

Pakistan is gradually replacing machine-readable passports with a fully digital e-passport system. Citizens will be able to apply online through the NADRA Pak ID app, upload documents, pay fees digitally, and receive passports at home. Pakistan first launched e-passports in 2022 and upgraded them in 2025 with laser engraving and digital security certificates.

RedHook is an upgraded Android banking malware identified by Group-IB that can steal banking credentials and take deep control of infected phones. It spreads through fake apps downloaded from links sent by scammers posing as banks or officials. The best protection is to only install apps from Google Play and never side-load APKs from unknown links.

Pakistan's crypto regulator, PVARA, is developing a dual framework that assesses digital assets from both regulatory and Shariah perspectives. After a June 2026 fatwa declared crypto purchases impermissible, PVARA chairman Bilal bin Saqib met scholar Mufti Taqi Usmani, arguing that different digital assets need separate technical and religious evaluation rather than one blanket ruling.

Muse Spark 1.1 is a multimodal reasoning AI model released by Meta Superintelligence Labs on July 9, 2026. Built for agentic tasks like coding and computer use, it features a 1 million-token context window and launched via the new Meta Model API at around $4.25 per million output tokens, roughly a quarter of rival prices.

Mufti Muhammad Taqi Usmani, a leading Islamic scholar and president of Darul Uloom Karachi, issued a fatwa in June 2026 declaring cryptocurrency trading impermissible under Shariah. The ruling argues that crypto, tokens, and stablecoins like USDT do not qualify as "maal" (wealth) in Islamic law. It is a religious opinion, not a state law.