For the average Pakistani user, online recharge is faster, safer (than carrying cash for scratch cards), and offers better tracking. For Telenor, it’s a high-volume, low-margin business that serves as a gateway to selling data bundles, device financing, and microloans. The shift from offline to online recharge is irreversible. Report compiled using public data from PTA Annual Report 2024, SBP Payment Systems Review 2023, Telenor Pakistan investor presentations, and market surveys from JazzCash & Easypaisa.
| | User Share | Average Transaction Value | Convenience Factor | |------------|----------------|-------------------------------|------------------------| | Easypaisa app | 45% | PKR 150-300 | High (1-click) | | JazzCash app | 30% | PKR 200-350 | High | | My Telenor App | 15% | PKR 100-200 | Medium | | Bank apps | 8% | PKR 500-1000 | Low (OTP steps) | | Daraz/others | 2% | PKR 100-150 | Medium |