Halan Microfinance Bank has collaborated with Dukan and Sona AI to introduce a digital gold liquidity platform designed to support individuals and small businesses across Pakistan. The initiative is centered on providing quick and secure access to liquidity through fully digitized processes that allow customers to utilize their gold as a financial asset without procedural complications. The platform brings together fintech capability and artificial intelligence driven decision support to create a streamlined experience for users in need of accessible financial options. This collaboration signals a coordinated effort among the participating organisations to strengthen financial access for underserved communities and digitally active small businesses that rely on reliable and immediate liquidity tools.
According to the announcement, the partnership aims to support an inclusive model of financial accessibility where AI is applied to simplify customer journeys from authentication to valuation and processing. By enabling gold backed liquidity in a digital format, the system reduces the need for lengthy manual steps that traditionally accompany such financial services. Halan Microfinance Bank contributes regulated financial infrastructure, Dukan brings retailer centric technology, and Sona AI supports intelligent features designed to enhance processing efficiency and compliance checks. Together, the three entities have structured a platform that is expected to meet the needs of both urban and rural users, especially small merchants who often face barriers when accessing formal credit. The collaborative approach also highlights how digital financial tools can strengthen operational transparency while providing predictable experiences for customers who depend on timely support.
Dukan stated that its mission continues to focus on empowering retailers and small businesses with intelligent financial tools that help manage growth and cash flow more effectively. The digital gold liquidity solution aligns with this mission by offering an alternative path to short term liquidity without requiring customers to navigate conventional loan procedures. The inclusion of AI first design components indicates an intention to build a system capable of scaling while preserving accuracy in valuation and risk assessment. Sona AI supports this with machine learning features that enhance the verification process, contributing to a model where users can complete transactions confidently in a digital environment. This design approach also positions the platform to support evolving financial patterns among technology aware businesses in Pakistan.
The organisations involved noted that the digital gold liquidity platform is part of a broader effort to strengthen financial inclusion across the country by offering tools that blend technology with everyday business needs. Halan Microfinance Bank has been working to extend modern financial services to a wider population, and this partnership adds another dimension to that strategy. Users will be able to access liquidity with greater ease, reflecting the collective objective of promoting secure and convenient financial services that integrate into daily economic activity. The collaboration between Halan Microfinance Bank, Dukan and Sona AI illustrates a growing focus within Pakistan’s fintech ecosystem on creating solutions that support business resilience and accessible financial participation. Through this initiative, the organisations aim to contribute to a stronger digital finance landscape where practical technology driven services help individuals and small businesses manage their financial requirements with improved confidence.
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