Markets · Pakistan
Built to run inside Pakistan's lending rules
Trazmo is SME credit infrastructure for SBP-regulated banks, DFIs, and NBFCs in Pakistan. Borrower data stays on Pakistan-approved infrastructure, every score ships with its drivers, and the products your Sharia board approves are the products the ledger actually books.
The gap the rail exists for
~40% of GDP
is what SMEs contribute to Pakistan's economy, while holding a single-digit share of private-sector credit.
Weeks per file
is what manual SME underwriting costs today: photocopied statements, re-keyed data, serial applications across banks.
Growth mandated
SBP has made SME portfolio growth an explicit supervisory priority for banks. The constraint is underwriting capacity, and that is a software problem.
How the rail fits an SBP-regulated institution
Data residency
Pakistani client data stays on Pakistan-approved infrastructure. Dedicated single-tenant environments are available for institutions that require them, and the deployment model is documented for your outsourcing and cloud approvals.
Explainable decisions
Sentinel runs your credit policy rules before any model, and every score ships with its drivers ranked. When an examiner asks why a facility was approved, the answer is a decision trail, and it is immutable: inputs, rule evaluations, score versions, and the operator who actioned it.
Sharia-compliant products, natively
Products are configured with profit rates or markup. Murabaha-style facilities carry their commodity and ownership steps in the Vertex ledger, so what your Sharia board approved and what your books show are the same structure.
Alongside your core
Every module exposes a REST API and sits next to the core banking system rather than replacing it. A typical pilot reaches its first live decision in about six weeks, engineer-led, on one module and capped volume.
The signals a Pakistani SME already generates
DocuMind reads each source and returns one structured signal set per applicant. No analyst stitches spreadsheets.
Bank statements
Uploads or aggregation across local banks: cash flow, seasonality, counterparty concentration.
Card & POS acquiring
Settlement data from acquirers and POS providers: verified revenue at the terminal.
Bureau & registry
eCIB and private bureau pulls, SECP registry checks for business verification and directorship.
E-commerce
Sales history from marketplaces and storefronts for digitally native SMEs.
Questions Pakistani credit teams ask first
Does Trazmo keep Pakistani borrower data in Pakistan?
Yes. Deployments for Pakistani clients run on Pakistan-approved infrastructure, and dedicated single-tenant environments are available. Data does not leave the approved perimeter.
Which Pakistani data sources does Trazmo work with?
Bank statements from local banks, card and POS acquiring data, e-commerce sales history, eCIB and private bureau pulls, and SECP registry checks for business verification.
Can Trazmo run Sharia-compliant finance products for Pakistani banks?
Natively. Profit-rate and markup product structures are first-class, and Murabaha facilities carry their commodity and ownership steps in the ledger.
Also serving lenders across the Gulf, see Trazmo in the GCC.