Digital payments are quite a buzz these days. Pick an unemployed graduate from a private university at random and there is a high probability he will tell you about his “disruptive” fintech, which will soon transition Pakistan away from a cash-based economy. When that’s going to happen is anybody’s guess. The more important question is: how will that come about? After all, digital has many roads, some more sophisticated than others. From internet banking and QR payments to point-of-sale (PoS) machines and mobile wallets, where does our answer lie? Is there a prescribed path or should we attack from all fronts?