We advised on the development and structuring of a nano-lending product designed for deployment through a digital platform in Pakistan.
The mandate involved the creation of a high-frequency, low-ticket credit product featuring tiered APRs linked to loan tenor and credit limits. The engagement was critical in balancing risk-based pricing with consumer protection standards and regulatory compliance within Pakistan’s rapidly evolving digital lending and fin-tech landscape.
The firm’s role included comprehensive advisory on product architecture, specifically focusing on pricing logic, tenor-based APR differentiation, limit setting, and repayment mechanics. ABS & Co provided legal oversight on disclosure standards to ensure consumer transparency and advised on regulatory positioning under the Securities and Exchange Commission of Pakistan (SECP) digital lending requirements. Key advisory areas further included the legal treatment of fees and charges, data-driven credit assessment protocols, and risk allocation.
Throughout the process, ABS & Co assisted in the design of documentation and operational workflows to ensure the product’s scalability and compliance. The successful structuring of this facility underscores the firm’s strength in digital finance advisory and its ability to deliver regulator-ready solutions for fintech and digital lending entities.
