Tag Archives: HBL

HBL Introduces New Rule For Debit Cards For Security Reasons

HBL Introduces New Rule For Debit Cards For Security Reasons


Sumera Saeed | category: Banking

HBL Introduces New Rule For Debit Cards For Security Reasons. Habib Bank Limited (HBL) has introduced a new rule according to which the customers of Debit card holders won’t be able to use their cards internationally by default.

HBL has taken this step in order to secure the customers’ data from hackers and started issuing debit cards that customers will only be able to use in Pakistan.

The new rule by HBL will be applicable for the existing debit cards as well. HBL said that the aim of new mode is to protect customers after cards were hacked and money was withdrawn internationally.

If the HBL debit cards holders want to use them internationally they need first to unlock their cards. The new law for the HBL debit cards will effect from 6th April, 2018.

In this regard Habib Bank Limited (HBL) has sent letters to all it debit card holders on Friday, read as,

    HBL is committed towards the security of your debit card. Our aim is to provide a secure environment to you when you are accessing your finance domestically or while travelling abroad.

For your added safety and to protect you against fraudulent transactions, HBL debit card at international locations will be restricted with effect April 6, 2018.

If the customers of Debit Cards want to use their cards abroad they can call HBL phone banking at 021- 111-111-425 any time to activate international usage services.

This new rule is applicable for the international use of the HBL Debit Cards and will not affect the Pakistani customers

It is worth mentioning here that Chinese hackers stole data from HBL customers by installing skimming devices in ATMs last year which results in hacking million of rupees.

As per Federal Investigative Agency (FIA) investigation the Chinese hackers had stolen Rs. 10 million from 559 HBL accounts.

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Institute of Competitive Examination CSS PMS (ICE) Scholarships

Institute of Competitive Examination CSS PMS (ICE) Scholarships


Sumera Saeed | category: Education

Institute of Competitive Examination CSS PMS (ICE) Scholarships

Now the students who are willing to participate in the CCS examination 2019 can now get the scholarships for the preparation of exams. The Institute of competitive examination CSS PMS Islamabad is now providing an excellent opportunity for candidates willing to appear in CSS Examination 2019 with scholarships.

Here is the complete detail for getting Institute of Competitive Examination CSS PMS (ICE) Scholarships

  • Number of Scholarships 500
  • Full Scholarships 100 (Full Tuition Fee Off) CO
  • Partial Scholarships 400 (75% Tuition Fee Off)

Age Limit: interested candidates with the age of 21-30 years are eligible to apply.

How to apply?

Interested candidates who are willing to participate in the CSS examination 2019 need first to download application form & deposit slip from PTS official website.

Download Application Form

The candidates need to submit the fee in specified bank branches HBL & UBL country wide.

Test, screening, skill, interview fee is Non-Refundable and Non-Transferable

You need to send your fully filled applications with required documents to the address mentioned below:

Address: “Scholarships ICE” to Pakistan Testing Service Head Quarter, 3rd Floor, Adeel Plaza, Fazal-e-Haq Road, Blue Area, Islamabad

For additional details see the advertisement below of Institute of Competitive Examination CSS PMS (ICE) Scholarships.

Click Here for advertisement

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Multan Sultans Squad for PSL 2018


Sumera Saeed | category: Cricket

Multan Sultans Squad for PSL 2018. Multan Sultans has started their HBL Pakistan Super League campaign and declared the official squad for PSL 2018. Multan Sultans has the first nine picks in the expansion draft.

Sri Lankan legend Kumar Sangakkara and West Indian all-rounder Kieron Pollard are part of Multan Sultans Squad for PSL 2018.

Everything You Need to Know About PSL 3 2018

On the other hand the Pakistani all-rounders Shoaib Malik and Sohail Tanvir are also are the part of Multan Sultans Squad, revealed a statement by Pakistan Cricket Board (PCB).

Team Picks
Multan Sultans Squad for PSL 2018

For further updates stay tuned with daytimes.pk

Maximizing Ecommerce Penetration via Digital Payment Solutions

Maximizing E-commerce Penetration via Digital Payment Solutions


Sumera Saeed | category: Business

Maximizing Ecommerce Penetration via Digital Payment Solutions. Online payments are a cornerstone of e-commerce activity. And consumer trust, a crucial barometer of its health. The payment methods consumers turn to are indicative of their levels of trust in the security of online shopping. Data from Daraz.pk’s recent Independence Day sale opens a window into consumer trust in prepaid transactions. While prepayment is an emergent player in the ecommerce landscape, Cash on Delivery still predominates.

This article gives an overview of several payment instruments available on Daraz.pk. While far from widespread, these online payment solutions are growing in influence.

In Prepaid We Trust

Daraz.pk’s Black Friday sale in November 2015 raised the benchmark for prepaid payments. The percentage of customers relying on prepaid transactions spiked to 33% from 5% during this sale alone.

Since then, the ecommerce company has been building partnerships with leading banks the likes of HBL, Standard Chartered Bank, UBL, Meezan Bank, Silk Bank and more. It has started offering easy monthly installments, made its portal 3D Secure and inducted mobile wallets and bank transfers into the mix.

The most recent HBL Independence Day ShopFest continued this upward trend. In MD Zain Suharwardy’s words:

When you’re Pakistan’s largest online marketplace, it isn’t enough to simply set up shop. The digitization of commerce has to work in tandem with payment solutions in order to truly effect a paradigm shift. We’ve made progress to this end and aim to convert greater numbers of customers to prepaid.”

Trust by Numbers

70% of Independence Day ShopFest sales were prepaid: 47% of these were new customers and 25% were old customers opting for prepayment for the first time.

“It’s encouraging to know that almost half our prepayment customers during the Independence Day sale were brand new customers to Daraz, making first-time Daraz orders. Prepaid is a vote of confidence in an increasingly sophisticated ecosystem,” ads Suharwardy.

While the peaks in Daraz’s prepayment graph can be accounted for by major sale events such as Black Friday and Independence Day, the overall trend telegraphs growing trust in prepaid over time.

Daraz.pk’s payments ecosystem has grown to accommodate a range of electronic payments solutions. Cash on Delivery is no longer a foregone conclusion: Daraz has adopted a range of special offers, security features and payment options to give customers greater latitude and ease-of-use when shopping online.

Trust by Method

Online Digital payment solutions ensuring maximum coverage

Daraz has actively been working with payment partners to ensure the maximum number of people can avail online payment facilities.
To this end, Daraz has onboarded Easypay and JazzCash – online payment solutions for ecommerce sellers and customers. There are several ways of paying via these payment solutions. One of these solutions allows any local or internationally issued Visa/MasterCard Credit or Debit card holder to pay online using these portals. Compliance with International Data security standards and stringent security checks ensure these solutions optimize online shopping for millions of end users nationwide.

Pakistan is a country with limited bank account penetration, and so, to bridge this gap, mobile wallets on Daraz – the Easypaisa Mobile Account and the JazzCash Mobile Account – empower customers without bank accounts to make payments online. Between January and July 2017, orders fulfilled using Easypaisa Mobile Account increased 168%. Including JazzCash Mobile Account transactions, the overall increase in Mobile Wallet payments in the first seven months of the year is at 243%.

Daraz also facilitates bank transfers through Keenu NetConnect – an innovative card-less service in Pakistan custom-designed for online stores. It is a secure way for customers to pay online from their bank account.

3D Secure Payments

According to State Bank recommendations, growing numbers of banks are adopting 3D Secure.

Daraz is a 3D Secure enabled website. 3D Secure, the latest technology powered by Verified by Visa (VBV) and MasterCard SecureCode, adds an additional layer of security and secondary verification when using credit cards for internet-based transactions. It provides customers added protection from unauthorized internet-based transactions by requiring them to provide a One-Time Password (OTP) when they shop on 3D Secure enabled websites, such as Daraz. Secondary verification is completed via SMS and/or email.

Easy Monthly Instalments on Daraz

Daraz offers easy monthly instalments, letting customers shop off Daraz through a deferred payment plan. The innovative online financing option, a breakthrough in the ecommerce space, makes online shopping more affordable for customers – it is free of markup, processing fee, down payment or other hidden costs. The zero-cost easy monthly instalment lets customers shop through over 300,000 products available on Daraz with a total cart value equal to or greater than Rs 10,000. Repayment can be scheduled in 3, 6 or 12 month tenures on checkout.

Currently offered to Standard Chartered Bank customers under Asaan Instalments, several other banks are expected to introduce this payment solution on the website in the near future.

Special offers and regular incentives to improve online payment utilization

In the last year and a half, Daraz has consistently grown the incidence of online payment through special offers and incentives on a regular basis. Mega events such as the Easypay Online Shopping Gala, JazzCash Festival and the HBL ShopFest and the scheduling of regular Bank Partner days – Standard Chartered Super Sundays (15% additional discount) and UBL Wednesdays  (20% additional discount) are cases in point. Silk Bank Tuesdays and Meezan Fridays are expected to go live in the coming week. These bank partnerships allow customers to avail bank-exclusive additional discounts on their cards, further incentivizing card payments and promoting prepayment culture on a regular basis.

Availability of payment systems has changed the e-commerce dynamic. As merchants know only too well, COD (cash on delivery) is not sustainable in the long-run. It has to move to a more formal, prepaid environment, as is the norm in other countries around the world. The role of a payment solutions is crucial – it imparts sellers security, and also extends that security to customers and clients like Daraz.pk, all the while contributing to customer confidence.

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Pakistan Super League (PSL2) Opening Ceremony and Islamabad United vs Peshawar Zalmi Live Streaming

Pakistan Super League (PSL2) Opening Ceremony and Islamabad United vs Peshawar Zalmi Live Streaming


Sumera Saeed | category: Cricket

Pakistan Super League (PSL2) Opening Ceremony and Islamabad United vs Peshawar Zalmi Live Streaming

The big cricket event is all set to start today on 9th February, 2017 at Dubai International Cricket Stadium.

Powered by HBL the Pakistan Super League second edition (PSL2) 2017 opening ceremony will be a big event with bunch of entertainment with the participation of internationally acclaimed singer Shaggy and the top Pakistani singers Ali Zafar and Shehzad Roy. The PSL2 opening ceremony will be hosted by heartthrob actor Fahad Mustafa.

The opening ceremony of PSL2 2017 will also comprise a magnificent fireworks display and a top act by the Flying Drummers. The opening ceremony of PSL2 will be followed by the clash between Islamabad United and Peshawar Zalmi.

Live Streaming and Scores:

You can watch the live streaming of PSL2 matches online on laptop or PC by clicking on the link PSL’s official stream link.

Watch the complete coverage, Live Streaming, Live scores of Islamabad United and Peshawar Zalmi match 2017. You can also watch the Live Streaming of PTV Sports for Islamabad United and Peshawar Zalmi match 2017, Islamabad United and Peshawar Zalmi Live Streaming, Islamabad United and Peshawar Zalmi Live scores, Islamabad United and Peshawar Zalmi Live match, Islamabad United and Peshawar Zalmi match live score.

Streaming online:

For watch the Live Streaming of GEO Super   CLICK HERE

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PSL2 2017 Opening Ceremony with Bunch of Entertainment will be on 9th February

PSL2 2017 Opening Ceremony with Bunch of Entertainment will be on 9th February


Sumera Saeed | category: Cricket

PSL2 2017 Opening Ceremony with Bunch of Entertainment will be on 9th February

The Pakistan Super League second edition (PSL2) 2017 powered by HBL is all set to take place at the Dubai International Cricket Stadium (DICS) on 9th February. The opening ceremony PSL2 will be a big event with bunch of entertainment with the participation of internationally acclaimed singer Shaggy and the top Pakistani singers Ali Zafar and Shehzad Roy.

The heartthrob actor Fahad Mustafa will host the PSL2 opening ceremony, a spokesperson of Pakistan Cricket Board (PCB) said on Friday.

The singer Shaggy has given a special message to his Pakistani fans to come to the stadium and be the part of fun filled ceremony. On the other hand Ali Zafar, Shehzad Roy and Fahad Mustafa have also requested Pakistan cricket lovers to come and watch the big event.

The opening ceremony of PSL2 2017 will also comprise a magnificent fireworks display and a top act by the Flying Drummers. The opening ceremony of PSL2 will be followed by the clash between Islamabad United and Peshawar Zalmi.

Stay in touch for watching the whole event live with daytimes.pk

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