The Punjab Chief Minister has taken a major step towards financial inclusion and transparency by formally launching a Digital payment system 2025 for daily wage workers across the province.

The project is part of the government’s larger effort to improve the lives of low-income workers and bring them into the formal financial system, so that their income is secure, transparent and paid on time.

Visit for more details: https://cm.punjab.gov.pk/

Need for Change

Daily wage laborers are some of the hardest working people in our society. They build roads, clean streets, lift heavy loads and play a vital role in the development of the country. But their lives are often fraught with difficulties, especially financial problems.

Most workers are paid in cash, which is a risky and uncertain method. Sometimes the money is received late, sometimes less, and sometimes not at all. There is no proper record, so the workers cannot even prove that they have been abused. In such a situation, contractors or brokers easily exploit them.

The Punjab government’s new Digital payment system 2025 is the solution to these problems, which will provide a safe, transparent and fair system for the workers.

What is a Digital payment system 2025?

Digital payment system 2025 through which workers will be paid their wages directly in their mobile or bank accounts. Now they will not need to take cash.

The government has created an app that keeps a record of every payment, so that no worker is a victim of fraud.

For this work, the government has also taken help from Easypaisa, Jazz Cash and some banks. If a worker does not have a bank account, he can create a bank account or mobile wallet for free in just a few minutes.

Also Read: BISP June 2025 Payment Update – Revised Schedule & Complete Guide

Key Features of Digital payment system 2025

💳 The worker will get the money directly

➡️ Now there is no need to take any middleman or cash in between.
➡️ The money will go directly to the worker’s account or mobile wallet.

📜 There will be a record of every payment

➡️ A record of every time money is received will be created automatically.
➡️  The worker will be able to see on his mobile how often and when he received the money.

⏰ On-time payment

➡️ The wages will be received on time.
➡️ There will be no delay, no deduction.

🔐 Security of money

➡️ There will be no risk of cash being lost or stolen.
➡️ The worker can withdraw money from an ATM or a nearby agent at any time.

📝 Easy registration

➡️ Registration will be done with just a CNIC and mobile number.
➡️ There will also be help centers at the workplaces that will guide.

How does Digital payment system 2025 work?

📝 Worker Registration

🆔 Workers can register by simply providing their ID card number and mobile number.
🏦 They will be linked to a mobile wallet or bank account.

📲 Payment by work

👷 Contractors working on government or private projects will register their workers on the app.
🗓️ They will enter the attendance and work details of each day on the app.

💸 Digital payment of wages

✅ Once the work is completed and verified, the wages will go directly to the worker’s account.
📩 The worker will be notified via SMS on every payment.

☎️ Grievance System

❗ If the worker does not receive money or receives less, he can file a complaint through the app or helpline.
🔍 The government team will examine the complaint and take appropriate action.

Also Read: CM Punjab Insulin Program 2025 – Great Relief with Free Insulin for Children

Benefits for Workers

This new Digital payment system 2025 has brought several benefits to daily wage workers:

🧍‍♂️ Autonomy

💼 Now workers can control their own money. They will not have to depend on anyone.

📄 Proof of Work

📊 Due to the digital record, workers can easily get another better job, as they will have proof of work.

🏛️ Eligibility for Government Assistance

🩺 By coming to the digital system, workers can also be eligible for government assistance, loans and insurance schemes.

💰 Financial Planning

📆 By getting money on time and having a savings system, workers will be able to plan better for their children and home.

Benefits for the government and the economy

This scheme is very beneficial not only for the workers, but also for the government and the country’s economy:

🔍 Transparency

📜 Digital payment system 2025 will reduce corruption and wage theft, as there will be a record of every payment.

📊 Accurate Information

🧾 The government will get accurate data about workers and employment, which will help in making better decisions.

💸 Improvement in the Tax System

📈 When workers come into the formal system, the government will be able to do better tax planning.

🖥️ Promotion of the Digital Economy

💳 With this system, people will use more digital services, and Pakistan’s economy will move towards becoming cashless.

Also Read: Magnificent Punjab Tourism Internship Program 2025 – A Golden Opportunity for Youth

Pilot program success

Before launching the Digital payment system 2025 across Punjab, the government tested the system in some areas of Lahore and Faisalabad. The trial phase involved about 10,000 workers, mostly from the construction and sanitation sectors.

The results were very encouraging:

93% of workers received their full wages on time.

More than 8,000 workers opened mobile or bank accounts for the first time.

Complaints decreased by more than 70%.

Seeing these successful results, the Chief Minister decided to now launch the program across Punjab.

Punjab Chief Minister’s statement

At the inauguration of the project, the Punjab Chief Minister said:

“Our daily wage labourers are the backbone of our economy. This Digital payment system 2025 is a step towards recognising their hard work and giving them the respect they deserve. Now no labourer will remain without wages, will not get less money, and will not be cheated. With this system, we are building a fair, transparent and modern Punjab.”

He also announced that the government will provide digital education to the labourers and provide guidance and support at every centre.

Future Plans

The government has made several plans to improve and expand Digital payment system 2025:

🤝 Linkage with BISP and Ehsaas Programs

🎁 Laborers will be provided with additional facilities like emergency loans, food assistance, and health insurance.

🔒 Biometric Identification

🧬 A fingerprint or facial recognition system will be introduced to identify and protect every worker.

🏢 Expansion to the Private Sector

🏗️ The government will also encourage private companies and contractors to adopt this system.

👩‍🔧 Inclusion of Women Workers

🧹 Special efforts will be made to register domestic workers and daily wage workers.

📱 Training and Awareness Campaign

🎓 Laborers will be trained to use the app and mobile wallet safely.

Challenges Ahead

While this scheme is great, there are some challenges:

📵 Digital Illiteracy

Many workers are unaware of mobile apps or digital banking.

📶 Network Issues

Mobile networks may not be reliable in remote or rural areas.

🕵️‍♂️ Fraud Risk

Some individuals may attempt to misuse or exploit the system.

But the government has planned help centers, SMS information, and strict security measures to address these issues.

Conclusion

The Punjab government’s launch of a Digital payment system 2025 for daily wage workers is a huge and necessary step. It shows that the government is serious about the betterment of the working class, ending exploitation, and making the lives of the poor easier. If this system is implemented successfully, it can become an example for other provinces and countries as well.

This project will not only strengthen the economy but will also ensure that no worker is left behind in the development of a digital Pakistan.

FAQs on Digital payment system 2025