# BankIslami digital banking expansion in Pakistan

> Live situation record from CLSTR: https://clstr.news/situations/bankislami-digital-banking-expansion-in-pakistan
> Updated: 2026-09-09T08:22:26.000Z. Sources: 2. Developments: 2.

BankIslami has introduced several digital banking initiatives in Pakistan to support the State Bank of Pakistan’s ‘Go-Cashless’ agenda.

In August 2026, the bank’s digital platform, aik, partnered with AA Enterprises (operator of Shalimar Express) to digitize railway ticketing and cargo payments. The project aims to reduce cash dependency across 40 passenger terminals and cargo hubs using Raast QR payment solutions and audio Soundboxes for real-time transaction confirmation.

In September 2026, BankIslami expanded its digital offerings with the launch of aikTijarat, a Shariah-compliant merchant and business application. The platform enables small traders and shopkeepers to open business accounts via digital onboarding and manage transactions, utility payments, and supplier settlements through smartphone-based QR code technology.

## Timeline

### 2026-09-09: BankIslami launches aikTijarat merchant app in Pakistan

BankIslami launched aikTijarat, Pakistan’s first Shariah-compliant merchant app, offering digital business account opening and QR-based payment solutions to support a cashless economy.

2 sources. https://clstr.news/cluster/bankislami-launches-aiktijarat-merchant-app-in-pakistan

### 2026-08-20: BankIslami partners with Shalimar Express to digitize Pakistan railway payments

aik by BankIslami has partnered with Shalimar Express to digitize railway ticketing and cargo payments across 40 terminals in Pakistan, supporting a national cashless initiative.

2 sources. https://clstr.news/cluster/bankislami-partners-with-shalimar-express-to-digitize-pakistan-railway-payments

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Cite as: BankIslami digital banking expansion in Pakistan. CLSTR, https://clstr.news/situations/bankislami-digital-banking-expansion-in-pakistan