Air Link Enters BNPL Market With New Digital Lending Subsidiary

Air Link Communication Limited (PSX: AIRLINK) has entered Pakistan’s growing Buy Now Pay Later (BNPL) market through the launch of a wholly owned subsidiary, marking a strategic expansion into digital consumer lending.

The company announced a Rs500 million investment in the new venture through the issuance of 50 million ordinary shares of Rs10 each, subject to regulatory approvals.

According to a notice sent to the Pakistan Stock Exchange, Airlink’s board has approved the incorporation of AirFin Consumer Finance (Private) Limited, which will operate in investment finance services with BNPL as its primary business line.

The subsidiary will require a No Objection Certificate and licensing approval from the Securities and Exchange Commission of Pakistan before starting operations.

The move positions Airlink to tap into Pakistan’s expanding installment-based digital finance market, where demand for flexible payment solutions has been rising, particularly in consumer electronics.

The company has already shown interest in the segment through partnerships, including a recent collaboration with fintech platform EduFi to offer installment-based smartphone purchases.

Founded in 2014, Airlink has grown into a major technology player with operations spanning mobile distribution, retail, and local manufacturing.

Its latest move aligns with a broader strategy to diversify beyond traditional distribution, following investments in manufacturing capacity and plans to separately list its manufacturing arm.

Airlink’s entry into digital lending reflects growing convergence between technology and financial services in Pakistan, as companies seek new revenue streams through embedded finance and consumer credit solutions.

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