Air Link Communication Limited, listed on the Pakistan Stock Exchange under the ticker AIRLINK, has formally approved the incorporation of a wholly owned subsidiary named AirFin Consumer Finance (Private) Limited, marking the company’s entry into Pakistan’s growing Buy Now Pay Later market. The board has approved a Rs500 million investment in the new venture through the issuance of 50 million ordinary shares at Rs10 each, with the subsidiary set to operate in investment finance services with Buy Now Pay Later as its primary business line, subject to the receipt of a No Objection Certificate and licensing approval from the Securities and Exchange Commission of Pakistan.
The move is a logical extension of Air Link’s existing commercial positioning. Founded in 2014, the company has grown from a mobile distribution business into a diversified technology player spanning retail, distribution, and local manufacturing, and has already demonstrated an appetite for the consumer finance segment through a recent collaboration with fintech platform EduFi to offer installment-based smartphone purchases. AirFin Consumer Finance formalises that interest into a regulated, separately incorporated entity, giving Air Link direct control over the lending product rather than relying on third-party fintech partnerships.
The timing reflects broader momentum in Pakistan’s embedded finance and consumer credit space, where demand for flexible, installment-based payment solutions has been rising steadily, particularly in consumer electronics, a segment in which Air Link is already a dominant player. By integrating a Buy Now Pay Later offering through a licensed subsidiary, Air Link positions itself to capture a share of the financing margin on the same device sales that flow through its distribution and retail channels, creating a vertically integrated model that spans product supply, retail, and consumer credit in a single ecosystem. The launch of AirFin Consumer Finance also aligns with Air Link’s stated strategy of diversifying beyond traditional distribution, following earlier investments in manufacturing capacity and plans to separately list its manufacturing arm on the stock exchange.
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