According to the Financial Inclusion Insights (FII) Survey conducted in Pakistan by InterMedia USA (www.finclusion.org), with fieldwork conducted by Gallup Pakistan, in 2017, 10% of Pakistani adults are advanced users of financial services, using their registered accounts for activities beyond account management and person-to-person transfers. 81% of advanced users reported saving money via a variety of methods. Even though this indicates a low penetration of advanced usage, given the large population of Pakistan, the total users of advanced financial services amount to nearly 10 million people. 8 million people, moreover, say that they actively save. This represents a substantial market capitalize on and to design better products for.