KalPay, headquartered in Lahore, is a Shariah Aligned consumer financing Fintech platform, committed to making credit easily accessible for the underbanked population. Established in late 2021, KalPay operates across three main areas: KalPay Taleem, specializing in education financing; KalPay Rasayi, providing monthly installment services for short-term loans; and KalPay BNPL, the country’s largest Buy Now Pay Later (BNPL) solution. KalPay is set to achieve its mission of simplifying the financing process through digital-first support, including e-KYC verification, document collection, credit scoring, payment processing, and installment collection via digital payment methods.