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Empowering Pakistan’s Digital Future Through Innovation

EPL (Private) Limited is a leading technology driven company focused on advancing digital transformation across payments, education and cybersecurity. Through its portfolio of pioneering brands, EPL enables sustainable growth, impact and accessibility in the digital economy.

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about epl

EPL Nurtures as the Parent Company of the Future Focused Ventures

EPL is a pioneering digital innovation company driving transformative growth across fintech, cybersecurity, digital learning and technology-enabled services. We build secure, accessible and future-ready platforms that empower individuals, businesses and communities to thrive in an increasingly digital world.

  • Industry expertise
  • Financial enablement
  • Strategic Leadership
  • Online Ecosystems

Through our portfolio of ventures – including digital financial services, Shariah-compliant banking, digital payments, cybersecurity, and professional learning solutions—we enable financial inclusion, digital literacy and ethical innovation, strengthening Pakistan’s digital economy and connecting it to global opportunities.

Our Vision
To be a leading force in shaping Pakistan’s digital future by building innovative, inclusive and technology-driven ecosystems that empower individuals, businesses and communities.
Our Mission
EPL’s mission is to drive sustainable digital growth by developing and scaling high-impact ventures. We work to strengthen collaboration between public and private sector stakeholders, while delivering accessible and inclusive digital solutions for underserved and emerging markets. Through visionary leadership, strategic expertise and advanced technology, EPL is committed to building secure, future-ready platforms that contribute to a resilient national digital economy.
Our Portfolio Brands
At EPL our journey of innovation continues beyond our current portfolio of CBA, Keytaab and CyberCure. We are actively expanding into new verticals to build a fully integrated E-commerce, Payments, and Digital Infrastructure Ecosystem.
CBA is a nationwide digital services platform that aggregates different digital and physical products through a single platform and empowers retail partners to deliver essential services within their communities. Through its technology-enabled network, CBA offers:
• Bill payments (utilities, internet, government fees)
• Mobile top-ups and postpaid billing
• Domestic and international ticketing
• Courier and logistics solutions
• e-Vouchers and digital financial services
• Cash-in and cash-out facilities
Keytaab is an e-learning and professional development platform designed to make education accessible through technology. It provides:
• Professional courses and training programs
• Industry-based certificate programs
• Digital learning solutions for institutions and enterprises
• Technology-enabled content delivery and skill development
• Specialized offerings in healthcare, technology, and business education
We strengthen the digital resilience of public and private sector organizations through advanced cybersecurity solutions.
Service areas include:
• Cyber risk assessment and advisory
• Threat intelligence and monitoring
• Governance, Risk & Compliance (GRC)
• Secure infrastructure and response services
• Digital identity and data protection solutions
CBA Global is a leading digital payments platform offering flexible solutions for businesses and consumers worldwide. Its services include:
• CBA (Digital Distribution Platform) network for local payments
• Cross-border remittances and e-wallet services
• Merchant payment solutions and POS systems
• Digital onboarding and identity verification
• Secure transaction monitoring and fraud prevention
Pak Islamic Digital Account (PIDA) is a Shariah-compliant digital banking solution designed to bring modern banking to every individual. Its services include:
• Fully digital account opening and management
• Islamic savings and investment products
• Instant payments and fund transfers
• Secure online and mobile banking
• Financial literacy and inclusion initiatives
EPL redefines digital security through advanced biometric technology, transforming any smartphone into a secure terminal capable of verifying a user’s identity quickly, seamlessly, and reliably. Our solutions include:
• Mobile Biometrics
• Identity Document
Processing
• Biometric & Facial Identity Management
• Digital Identity
Our Core Values

Integrity and Accountability

Ethical leadership and responsible growth are at the heart of everything we do.

Innovation with Purpose

We design and support solutions that create real-world impact.

Digital Inclusion

We empower underserved segments through access to technology-driven services.

Sustainability and Scale

Our initiatives are built to grow, evolve, and serve long-term national needs.

Cyber Resilience & Security

We safeguard digital assets and build trust in Pakistan's tech landscape.

Partnership & Collaboration

We build strong alliances with public and private sector stakeholders to drive shared success.

Ghazanfar Ali Khan

Founder & CEO - EPL

With over 25 years of leadership experience in banking, digital payments, telecom, and public-sector innovation, Ghazanfar Ali Khan has led transformative projects nationwide. His expertise spans product development, project management, compliance, distribution networks, and digital strategy.

He is recognized for pioneering initiatives such as:
• Pakistan’s first biometric-based disbursement system for BISP beneficiaries
• Enabling NADRA’s Pakistan Identity project for overseas Pakistanis
• Establishing collaborative ecosystems for G2P digital payment channels

A strategist and policy advocate, he works to advance digital inclusion and economic support for underserved communities across Pakistan.

Advisory Board
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Lt. Gen (R) Humayun Aziz, HI(M)

As, The Group Chairman, he brings over 41 years of distinguished experience across defence, technology, real estate, education, and international relations. He has served in senior leadership roles as Head of major organizations and as a Federal Secretary, contributing extensively to national policy, institutional development, and strategic governance.
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Kazi Abdul Muktadir

Former Deputy Governor of the State Bank of Pakistan, Kazi Abdul Muktadir has led key national initiatives in payment systems, banking operations, and financial regulation. He chaired the SAARC Payment Council and contributed to the National Payment Strategy. His governance experience includes board representation at institutions such as the Securities and Exchange Commission of Pakistan. He has also played a major role in banking policy development, SME sector support, capital adequacy frameworks, and risk management.
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Tahir Hassan Qureshi

With more than 33 years of experience in banking and finance, Tahir Hassan Qureshi is a seasoned executive and board member with deep expertise in corporate governance, audit, and financial management. A fellow of ICAP and member of multiple professional bodies, he serves as an advisor and independent/non-executive director for various public and private sector institutions
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Barrister Sherjeel Adnan Sheikh

A former Federal Minister for Law and Justice, Barrister Sherjeel Adnan Sheikh is a distinguished legal expert in corporate and commercial law. He is qualified in Canada, and England and Wales, and is an Advocate of the Supreme Court of Pakistan. His career includes advising corporations, high-net-worth individuals, and international clients across a range of legal and regulatory domains.
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Sajjeed Aslam

A seasoned professional with over 20 years of experience in governance, compliance, risk, corporate finance, and entrepreneurship, Sajjeed Aslam has worked across FMCG, telecom, and education sectors. He has held senior roles including CFO and Chief Business Development Officer at multinational companies and served on multiple boards. He has worked internationally in countries such as Australia, Turkey, UAE, and Switzerland, starting his career at Nestlé in Pakistan.
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