ABHI DIY Banking Marks a Bold Microfinance Shift
ABHI Microfinance Bank is putting self-service kiosks, ATMs, cash deposit machines and instant card printing into its branches — a launch that matters less for the technology itself than for where it's landing.
ABHI DIY Banking is now live across ABHI Microfinance Bank's branch network, and it's worth pausing on why a microfinance bank pushing self-service banking is actually the more interesting headline than the launch itself.
Self-service kiosks and cash deposit machines aren't new in Pakistani banking — HBL, MCB and UBL have had them for years. What's less common is a microfinance bank, built around serving lower-income and often less digitally-experienced customers, betting on the same self-service model.
Key Takeaways
- The self-service push bundles four channels: ATM, Cash Deposit Machine, self-service kiosk, and instant card printing.
- Instant card printing lets customers walk out with a physical card the same day, rather than waiting for one to be mailed.
- ABHI hasn't said how many branches have DIY Banking yet, or when the rollout completes.
- ABHI Microfinance Bank was FINCA Microfinance Bank until ABHI and TPL Corp acquired and rebranded it in early 2025.
- The bank's wider network stood at 110+ branches across 100+ cities as of mid-2026, per its own site.
- The launch was distributed as sponsored/branded content across multiple outlets — treat "first-of-its-kind" style claims as the bank's own positioning.
What Is ABHI DIY Banking?
"DIY Banking" — Do It Yourself Banking — is the bank's branded name for a set of self-service touchpoints it's adding to its branches. The idea is that customers handle routine transactions themselves rather than queuing for a teller.
It's built around four pieces: ATMs, Cash Deposit Machines (CDMs), self-service kiosks, and instant card printing. None of these are exotic technology on their own — the news is that a microfinance bank is the one deploying them.
How Does ABHI DIY Banking Work at the Branch?
ABHI DIY Banking's Four Self-Service Touchpoints
| Touchpoint | What it does |
|---|---|
| ATM | Cash withdrawal and other supported banking services |
| Cash Deposit Machine (CDM) | Self-service cash deposits, no teller needed |
| Self-Service Kiosk | A digital touchpoint for selected banking services, handled independently |
| Instant Card Printing | Card issued on the spot at the branch, not mailed later |
Of the four, instant card printing is the one worth a second look. Most Pakistani banks — including several microfinance ones — still mail debit cards, which can take days to arrive and adds a step where customers simply never come back to collect them.
Why ABHI DIY Banking Matters for a Microfinance Bank
Commercial banks digitized their branch counters years ago. Microfinance banks, by contrast, have leaned more heavily on loan officers, agents and in-person counter service — partly because their customer base has historically been less comfortable with self-service technology, and partly because branch footprints in underserved areas were built around human-assisted transactions.
That's what makes this launch worth tracking rather than skipping past as routine PR: if ABHI can get real adoption of self-service kiosks among microfinance customers, it's a genuine signal about how far digital literacy has moved in Pakistan's underserved segments — not just proof that ABHI bought some new machines.
How ABHI DIY Banking Fits Into ABHI's Wider Digital Push
ABHI DIY Banking Builds on the FINCA-to-ABHI Transformation
ABHI started life as a fintech in 2021, then acquired FINCA Microfinance Bank Limited in partnership with TPL Corp — a deal completed in January 2025 and approved by the State Bank of Pakistan and the Competition Commission. The relaunch as ABHI Microfinance Bank followed in February 2025, with SBP Governor Jameel Ahmed attending the event.
DIY Banking is the latest step in that transformation story, not a standalone initiative. ABHI's own app already claims 800,000-plus users, and the bank says it can open an account from a smartphone in about a minute — DIY Banking essentially brings that same self-service philosophy into the physical branch.
What ABHI DIY Banking Still Hasn't Confirmed
The launch announcement is genuinely thin on specifics. There's no branch count for how many locations have DIY Banking today, no rollout timeline for the rest of the network, and no figure on what the infrastructure cost.
Worth flagging too: the announcement was distributed as sponsored or branded content on at least two major outlets, not written as independent reporting. Claims like "first-of-its-kind in the industry" are ABHI's own positioning — reasonable marketing language, but not something PakFinHub has independently verified against competitor offerings.
What to Watch Next From ABHI DIY Banking
- Whether ABHI eventually discloses a branch count or completion date for the rollout.
- Adoption numbers — how many customers actually use the kiosks versus sticking with counter service.
- Whether other microfinance banks in Pakistan follow with similar self-service investments.
- How this fits against ABHI's broader growth targets following the FINCA acquisition.
ABHI Microfinance Bank at a Glance
ABHI DIY Banking FAQs
What is ABHI DIY Banking?
A self-service banking ecosystem ABHI Microfinance Bank is rolling out across its branches, built around ATMs, Cash Deposit Machines, self-service kiosks and instant card printing.
How many ABHI branches have DIY Banking so far?
ABHI hasn't disclosed a branch count or rollout timeline. Its wider network stood at 110+ branches across 100+ cities as of mid-2026, per the bank's own site.
What is instant card printing?
On-the-spot card issuance at the branch, so a customer gets a physical card immediately rather than waiting days for one to be mailed. ABHI calls it a first for the industry, though that claim isn't independently verified.
Is ABHI Microfinance Bank the same as FINCA?
ABHI Microfinance Bank was formerly FINCA Microfinance Bank Limited. ABHI, with TPL Corp, acquired FINCA in a deal completed in January 2025 and relaunched it under the ABHI name that February.
Sources & Last Verified
- DIY Banking launch details (product features, positioning)
- ABHI Microfinance Bank's own launch announcement, distributed as sponsored/branded content across multiple outlets, August 16-17, 2026.
- Branch network, app users, company history
- ABHI Microfinance Bank's own website (About Us, Our History pages), accessed August 2026.
- FINCA acquisition and rebrand details
- ABHI/TPL Corp joint press materials, January-February 2025.
- Microfinance-sector context and analysis
- PakFinHub analysis.
- Last verified
- August 17, 2026. Company claims not independently verified are noted as such above.
The bigger test for ABHI DIY Banking won't be the launch event — it'll be whether ABHI actually shares adoption numbers once the novelty wears off, and whether customers who've relied on tellers for years genuinely switch to the kiosk. That's a harder story to tell than a press release, and it's the one worth watching for.
Where ABHI Microfinance Bank Goes From Here
A self-service push into microfinance branches is a real signal of intent — whether it sticks with customers is the part still to be proven.