无论是在快速普及的手机银行服务等新兴领域，还是在伊斯兰传统的慈善、司法和教育等领域，都可以看到这些力量的影响。如果巴基斯坦政府和援助机构能够以创新的方式与这些力量合作，将会创造出令人惊讶的成果。

Pakistan has one of the best regulatory environments in the world for microfinance and one of the fastest growing microfinance sectors, with 3m borrowers. It is also one of the most innovative places in the world for mobile banking services, partly due to the State Bank of Pakistan’s moves to encourage the market. About 1.5m customers make about 30m transactions a quarter through their mobiles, using a network of 20,000 agents, mainly local shops, to collect their cash.

巴基斯坦对小额贷款业务的监管环境在全球范围内首屈一指，并且其小额贷款行业的增长速度也极为迅猛，目前贷款人数已经达到了300万人。巴基斯坦在手机银行服务方面的创新能力同样全球领先，部分受益于巴基斯坦国家银行(State Bank of Pakistan)对这一细分市场的鼓励政策。每个季度大约有150万名客户借助移动设备进行3000万次交易，并通过主要由本地商户组成的2万家代理商网络收取现金。

A wave of charitable giving by individuals has helped to ensure that the hundreds of thousands of people displaced by floods in 2010 are not still living in tents. A guerrilla army of more than 100,000 Lady Health Workers, funded by government, has helped to reduce markedly the number of women and babies who die in child birth, according to studies by the World Bank.

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