Gulfam Mustafa
GulfamMustafa

Writing · Digitalisation

Digitalisation

Thoughts, perspectives, and articles filed under Digitalisation.

01
Forget Stripe and PayPal - Pakistan Already Has Payment Gateways
5 September 20262 min read

Forget Stripe and PayPal - Pakistan Already Has Payment Gateways

Pakistan already has local banks and SBP-licensed fintechs - from HBL and Bank Alfalah to Safepay, Easypay, and JazzCash IPG - that let you accept payments from local and international customers. You don't need Stripe or PayPal; you need to register your business and pick the right gateway.

02
Why School Digitisation Is More Than Moving Registers Online
15 August 20269 min read

Why School Digitisation Is More Than Moving Registers Online

School digitisation should do more than replace registers, fee ledgers and report cards with screens. The real opportunity is to connect people, processes, payments and data so schools become more efficient, responsive and focused on learning.

03
The Opportunity in Digitising Pakistan’s Small Businesses
18 July 20268 min read

The Opportunity in Digitising Pakistan’s Small Businesses

Millions of Pakistani small businesses still operate through fragmented combinations of cash, notebooks, spreadsheets, WhatsApp and social media. Connecting commerce, payments, operations and data represents one of Pakistan’s biggest opportunities for digital innovation and economic growth.