Overview
Pakistan Alternative & Real-Economy Data API
Welcome to the comprehensive source for Pakistan Alternative Data. While traditional market data tracks price action, our Alternative Data APIs capture the "ground truth" of the Pakistani economy. By aggregating non-traditional datasets—ranging from microfinance activity to telecom connectivity and digital payment adoption—we provide the high-signal intelligence required for modern credit scoring, ESG analysis, and alpha generation.
Whether you are building a digital lending platform, an agricultural tech solution, or a macro-strategy hedge fund, our documentation provides the tools to integrate deep-tier economic signals that traditional financial statements often miss.
Data Pipeline: From Field Signals to Your App
Our engine serves as a specialized bridge between non-bank financial institutions, regulatory bodies, and digital infrastructure providers:
- Real-Economy Ingestion: We track high-frequency data from the Pakistan Telecommunication Authority (PTA), Microfinance Institutions (MFIs), and digital payment gateways.
- Geospatial & Sectoral Granularity: Data is often available at the provincial or sectoral level, allowing for localized economic analysis.
- Credit & Inclusion Metrics: We normalize disparate datasets into standardized JSON structures to help quantify the "unbanked" and "under-banked" segments of the economy.
API Categorization
To streamline your integration, our alternative and real-economy endpoints are organized into the following five core modules:
- Telecommunication Sector: Telecom subscriber data, network performance, complaints, and revenue metrics from PTA.
- SME Financing: Microfinance sector data including borrower counts, loan portfolios, NPL ratios, and Islamic financing metrics.
- Mobile Money: Branchless banking metrics covering accounts, transactions, agents, market shares, and social welfare disbursements.
- Banking Operations & Credit: Banking sector aggregates including deposits, advances, credit exposures, NPL ratios, and national savings.
- Digital Payments & Infrastructure: Digital payment ecosystem data including licensed players, e-banking, ATMs, POS, online/mobile/IVR banking, e-commerce, and Raast transactions.
Data Reporting & Update Frequency
Alternative data sets often follow diverse reporting cycles:
- Monthly Refresh: Telecom subscriber data, digital payment volumes, and banking credit aggregates are typically updated monthly.
- Quarterly Deep-Dives: Microfinance aggregates and SME financing reports are refreshed following regulatory disclosures from the SBP and PMN.
Available Endpoints
| API Name | Description |
|---|---|
| 3G Subscribers | Data for 3g subscribers. |
| 4G Subscribers | Data for 4g subscribers. |
| Active Mobile Money Accounts | Data for active mobile money accounts. |
| Active Mobile Money Agents | Data for active mobile money agents. |
| Affordability Index | Data for affordability index. |
| Amicable Resolution as a Share of All Complaints | Data for amicable resolution as a share of all complaints. |
| Annual ATM Transactions (Value) | Annual atm transactions (value). |
| Annual ATM Transactions (Volume) | Annual atm transactions (volume). |
| Annual Call Centers/IVR Banking Transactions (Value) | Annual call centers/ivr banking transactions (value). |
| Annual Call Centers/IVR Banking Transactions (Volume) | Annual call centers/ivr banking transactions (volume). |
| Annual Internet Banking Transactions (Value) | Annual internet banking transactions (value). |
| Annual Internet Banking Transactions (Volume) | Annual internet banking transactions (volume). |
| Annual Investment in Telecom Sector | Data for annual investment in telecom sector. |
| Annual Mobile Banking Transactions (Value) | Annual mobile banking transactions (value). |
| Annual Mobile Banking Transactions (Volume) | Annual mobile banking transactions (volume). |
| Annual Point of Sale (POS) Transactions (Value) | Annual point of sale (pos) transactions (value). |
| Annual Point of Sale (POS) Transactions (Volume) | Annual point of sale (pos) transactions (volume). |
| Annual Real Time Online Banking Transactions (Value) | Annual real time online banking transactions (value). |
| Annual Real Time Online Banking Transactions (Volume) | Annual real time online banking transactions (volume). |
| Annual Revenues of Telecom Sector | Data for annual revenues of telecom sector. |
| Average Deposit per Account | Data for average deposit per account. |
| Average Mobile Money Transactions per Day | Data for average mobile money transactions per day. |
| Branchless Banking Agents | Data for branchless banking agents. |
| Broadband Subscribers | Data for broadband subscribers. |
| Cellular Subscribers | Data for cellular subscribers. |
| Consumer Complaints by Technology | Data for consumer complaints by technology. |
| Consumer Complaints received by Cellular Mobile Operators | Data for consumer complaints received by cellular mobile operators. |
| Currency in Circulation | Data for currency in circulation. |
| Deposits in Foreign Currency | Data for deposits in foreign currency. |
| E-Banking Transactions (Volume & Value) | E-banking transactions (volume & value). |
| E-Commerce Transactions - by Value | E-commerce transactions - by value. |
| E-Commerce Transactions - by Volume | E-commerce transactions - by volume. |
| Loans to Private Sector Business - by Institution | Data for loans to private sector business - by institution. |
| Loans to Private Sector Businesses | Data for loans to private sector businesses. |
| Loans to SMEs (Including Bills Purchased & Discounted) | Data for loans to smes (including bills purchased & discounted). |
| M-Wallets Transactions - by Value | Data for m-wallets transactions - by value. |
| M-Wallets Transactions - by Volume | Data for m-wallets transactions - by volume. |
| Market Share by Accounts | Data for market share by accounts. |
| Market Share by Agents | Data for market share by agents. |
| Market Share by Deposits | Data for market share by deposits. |
| Market Share by Value of Transactions | Data for market share by value of transactions. |
| Market Share by Volume of Transactions | Data for market share by volume of transactions. |
| Market Share of Cellular Mobile Operators | Data for market share of cellular mobile operators. |
| Mobile Money Accounts | Data for mobile money accounts. |
| Mobile Money Accounts - Female | Data for mobile money accounts - female. |
| Mobile Money Accounts - Male | Data for mobile money accounts - male. |
| Mobile Money Accounts - by Sex | Data for mobile money accounts - by sex. |
| Mobile Money Agents | Data for mobile money agents. |
| Mobile Money Agents - by Province | Data for mobile money agents - by province. |
| Network Performance Index | Data for network performance index. |
| Non Performing Loans (Banks & DFIs) | Data for non performing loans (banks & dfis). |
| Number of ATMs | Number of atms. |
| Number of Bank Branches | Data for number of bank branches. |
| Number of Banks | Data for number of banks. |
| Number of Digitally Enabled Merchants | Number of digitally enabled merchants. |
| Number of Electronic Money Institutions - EMIs | Number of electronic money institutions - emis. |
| Number of Licensed Market Players | Number of licensed market players. |
| Number of POS Machines | Number of pos machines. |
| Number of Payment Cards | Number of payment cards. |
| Number of Real Time Online Bank Branches | Number of real time online bank branches. |
| Number of payment systems operators | Number of payment systems operators. |
| OTC Transactions - by Value | Data for otc transactions - by value. |
| OTC Transactions - by Volume | Data for otc transactions - by volume. |
| Outstanding Amount held in National Savings Accounts | Data for outstanding amount held in national savings accounts. |
| Outstanding Amount invested in National Savings Certificates | Data for outstanding amount invested in national savings certificates. |
| Outstanding SME Portfolio | Data for outstanding sme portfolio. |
| Outstanding SME Portfolio by Facility Type | Data for outstanding sme portfolio by facility type. |
| Outstanding SME Portfolio by Sector | Data for outstanding sme portfolio by sector. |
| PRISM Transactions - by Value | Prism transactions - by value. |
| PRISM Transactions - by Volume | Prism transactions - by volume. |
| Paper Based Transactions - Value | Paper based transactions - value. |
| Paper Based Transactions - Volume | Paper based transactions - volume. |
| Private Sector Credit | Data for private sector credit. |
| Proportion of Active Accounts | Data for proportion of active accounts. |
| Proportion of Digital Payments (in Total Retail Payments)- Value | Proportion of digital payments (in total retail payments)- value. |
| Proportion of Digital Payments (in Total Retail Payments)- Volume | Proportion of digital payments (in total retail payments)- volume. |
| Proportion of Individuals with Access to Mobile Phones | Data for proportion of individuals with access to mobile phones. |
| Proportion of Mobile Phone Owners | Data for proportion of mobile phone owners. |
| Proportion using 3G/4G Subscribers | Data for proportion using 3g/4g subscribers. |
| Quarterly ATM Transactions - by Value | Quarterly atm transactions - by value. |
| Quarterly ATM Transactions - by Volume | Quarterly atm transactions - by volume. |
| Quarterly Call Centers/IVR Banking Transactions (Value) | Quarterly call centers/ivr banking transactions (value). |
| Quarterly Call Centers/IVR Banking Transactions (Volume) | Quarterly call centers/ivr banking transactions (volume). |
| Quarterly Internet Banking Transactions - by Value | Quarterly internet banking transactions - by value. |
| Quarterly Internet Banking Transactions - by Volume | Quarterly internet banking transactions - by volume. |
| Quarterly Mobile Banking Transactions - by Value | Quarterly mobile banking transactions - by value. |
| Quarterly Mobile Banking Transactions - by Volume | Quarterly mobile banking transactions - by value. |
| Quarterly Point of Sale (POS) Transactions (Value) | Quarterly point of sale (pos) transactions (value). |
| Quarterly Point of Sale (POS) Transactions (Volume) | Quarterly point of sale (pos) transactions (volume). |
| Quarterly Real Time Online Banking Transactions - by Value | Quarterly real time online banking transactions - by value. |
| Quarterly Real Time Online Banking Transactions - by Volume | Quarterly real time online banking transactions - by volume. |
| Raast Transactions - Value of Bulk Payments | Raast transactions - value of bulk payments. |
| Raast Transactions - Value of P2P Transfers | Raast transactions - value of p2p transfers. |
| Raast Transactions - Volume of Bulk Payments | Raast transactions - volume of bulk payments. |
| Raast Transactions - Volume of P2P Transfers | Raast transactions - volume of p2p transfers. |
| Redressal Ratio - by Technology | Data for redressal ratio - by technology. |
| Redressal Ratio of Cellular Mobile Operators | Data for redressal ratio of cellular mobile operators. |
| Redressed Consumer Complaints - by Technology | Data for redressed consumer complaints - by technology. |
| Redressed Consumer Complaints of Cellular Mobile Operators | Data for redressed consumer complaints of cellular mobile operators. |
| Registered E-Commerce Merchants | Registered e-commerce merchants. |
| Registered Internet/Mobile/IVR Banking Users | Registered internet/mobile/ivr banking users. |
| SBP's Credit to Government Sector (Net of Deposits) | Data for sbp's credit to government sector (net of deposits). |
| SBP's Credit to Non - Government Sector | Data for sbp's credit to non - government sector. |
| SBP's Credit to Private Sector | Data for sbp's credit to private sector. |
| SME Borrowers | Data for sme borrowers. |
| SME Finance as % of Private Sector Credit | Data for sme finance as % of private sector credit. |
| SME Finance as % of Total Credit | Data for sme finance as % of total credit. |
| SME Financing by Islamic Banks and Islamic Banking Divisions | Data for sme financing by islamic banks and islamic banking divisions. |
| SME Loans Outstanding by Tenor - 1 to 3 Years | Data for sme loans outstanding by tenor - 1 to 3 years. |
| SME Loans Outstanding by Tenor < 1 Year | Data for sme loans outstanding by tenor < 1 year. |
| SME Loans Outstanding by Tenor > 3 Years | Data for sme loans outstanding by tenor > 3 years. |
| SME NPL Ratio | Data for sme npl ratio. |
| Scheduled Banks Credit to Government Sector (Net of Deposits) | Data for scheduled banks credit to government sector (net of deposits). |
| Scheduled Banks Credit to Non - Government Sector | Data for scheduled banks credit to non - government sector. |
| Social Welfare Disbursements in Pakistan | Data for social welfare disbursements in pakistan. |
| Social Welfare Recipients in Pakistan | Data for social welfare recipients in pakistan. |
| Teledensity | Data for teledensity. |
| Total Advances of Scheduled Banks | Data for total advances of scheduled banks. |
| Total Deposits held in Mobile Money Accounts | Data for total deposits held in mobile money accounts. |
| Total Deposits with Scheduled Banks | Data for total deposits with scheduled banks. |
| Total Investments of Scheduled Banks | Data for total investments of scheduled banks. |
| Total Outstanding Credit of the Banking Sector | Data for total outstanding credit of the banking sector. |
| Value of Mobile Money Transactions | Data for value of mobile money transactions. |
| Value of Mobile Money Transactions by Payment Method | Data for value of mobile money transactions by payment method. |
| Volume of Mobile Money Transactions | Data for volume of mobile money transactions. |
| Volume of Mobile Money Transactions by Payment Method | Data for volume of mobile money transactions by payment method. |