Ahmed Ayub

Attention Pakistani freelancers, service providers and international clients! 🌎💼 I've discovered a game-changer for receiving payments from abroad: SadaPay Biz. Here's why I'm excited about it: ✅ Hassle-free payments via Debit Card, Credit Card, Google & Apple Pay ✅ Best exchange rates available ✅ Hold your earnings in USD (as long as you want) ✅ Convert to PKR when it suits you My experience: SadaPay Biz offers 100% peace of mind for international transactions. It's the best option I've found for freelancers who want full control over their foreign earnings. Ready to simplify your international payments? Sign up for SadaBiz using my special link: https://lnkd.in/dsegm98A #Freelancing #InternationalPayments #FinTech #SadaPayBiz #RemoteWork #DigitalNomad #FreelanceLife #GlobalPayments #CurrencyExchange #OnlineBusinesses #PakistanFreelancers #PaymentSolutions #FintechInnovation #CrossBorderPayments #FreelanceFinances #SmartMoney #BusinessGrowth #EntrepreneurLife #TechForFreelancers

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The Pakistani Economy: Addressing the Core Issues Let's discuss the core issues facing the Pakistani economy, starting with the trade imbalance. Our exports fall short of our imports, leading to a need for more dollars than we earn. This demand impacts the USD-PKR exchange rate, causing the USD to appreciate and the PKR to depreciate. Power policies play a crucial role due to the capital-intensive nature of projects. Over 60 years, Pakistan built 20 GW of power capacity, which nearly doubled in the next 15 years through public sector projects and CPEC initiatives, resulting in a heavy capacity payment burden. Former interim minister Gohar Ejaz highlighted that IPPs account for only 15% of the PKR 2 trillion capacity payments, distinguishing them from G2G CPEC projects. The root causes of high capacity payments and tariffs include trade imbalance, poor decision-making, and major leakages like high technical losses and theft. Effective policy formulation requires thorough deliberation and consultation, considering the economy's linkage with USD. Missteps in capacity additions and ignoring expert warnings have led to a financial burden. Politicizing IPPs only worsens investment prospects in Pakistan. Improved decision-making, addressing technical losses, and strategic planning could significantly reduce capacity payments and tariffs. #PakistaniEconomy #TradeImbalance #PowerPolicies #Investment #EconomicDevelopment https://lnkd.in/d3_VK3UG

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I had the pleasure of attending an eye-opening online webinar on Psychological Contract delivered by the remarkable Kanwal Malik, Senior HR Manager and Talent Acquisition Expert at CureMD. This event was organized by Global HR Professionals - GHRP - and powered by Artificial Intelligence Community of Pakistan Kanwal's expertise shed light on the crucial elements of the psychological contract, emphasizing its importance in today’s evolving work environment. Here are some key takeaways from the session: - Understanding the Concept: A clear exploration of what the psychological contract is and its vital role in shaping employer-employee relationships. - Components and Expectations: Insights into the components and expectations that define this unwritten agreement. - Impact on Organizations: How maintaining a strong psychological contract can lead to higher employee engagement and improved organizational success. - Management Strategies: Practical strategies for managing and nurturing this critical aspect of HR. - Adaptation and Future Readiness: Preparing for future challenges by aligning psychological contracts with modern workplace demands. A huge thank you to Hussain Sajid & Abeer Azhar - CHRP the founders of Global HR Professionals - GHRP - and the Artificial Intelligence Community of Pakistan for taking such an initiative. This was an enriching experience that has provided me with fresh perspectives on managing human capital effectively. Looking forward to applying these insights in my work and staying engaged with future discussions in this ever-evolving field. #PsychologicalContract #Webinar #KanwalMalik #HR #GHRP #AICP #EmployeeEngagement #OrganizationalSuccess #HRStrategies #FutureOfWork #ProfessionalDevelopment #Leadership

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𝐆𝐨𝐨𝐝 𝐁𝐨𝐬𝐬 𝐯𝐬. 𝐓𝐨𝐮𝐠𝐡 𝐁𝐨𝐬𝐬: 𝐖𝐡𝐢𝐜𝐡 𝐈𝐬 𝐁𝐞𝐭𝐭𝐞𝐫? Salim Ghauri | Hassan Raza | Techtitans Pakistan In our recent podcast with Salim Ghauri, CEO of NETSOL Technologies Pakistan, we explored an age-old question in leadership: 𝐆𝐨𝐨𝐝 𝐁𝐨𝐬𝐬 𝐯𝐬. 𝐓𝐨𝐮𝐠𝐡 𝐁𝐨𝐬𝐬 – 𝐖𝐡𝐢𝐜𝐡 𝐈𝐬 𝐁𝐞𝐭𝐭𝐞𝐫? Salim shared invaluable insights from his journey, emphasizing that a successful boss is not about being simply "good" or "tough." Instead, it’s about balancing empathy with accountability. He believes that great leaders know when to support and when to challenge, creating a workplace that’s both motivating and results-driven. His approach combines understanding with high expectations, helping teams reach their full potential. Tune in to hear Salim’s thoughts on leadership, and discover what truly makes a boss effective!

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Keeping up with increasing demand and ensuring the on-time delivery model is every developer's need of the hour. Watch our CEO, Mr. Imran Farooq, share insights on how SAMANA plans to do that. #samana #CEO #imranfarooq #ontimeeverytime #constructionweekconference #accuracy #insights #leadership

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🚨 𝐔𝐫𝐠𝐞𝐧𝐭 𝐀𝐭𝐭𝐞𝐧𝐭𝐢𝐨𝐧 𝐍𝐞𝐞𝐝𝐞𝐝 - 𝐃𝐞𝐥𝐚𝐲𝐬 𝐢𝐧 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐟𝐫𝐨𝐦 𝐏𝐚𝐲𝐨𝐧𝐞𝐞𝐫 𝐭𝐨 𝐁𝐚𝐧𝐤 𝐀𝐜𝐜𝐨𝐮𝐧𝐭𝐬 🚨 We are experiencing an unexpected delay in receiving payments from Payoneer to our bank accounts. It has been 5 days since I withdrew the amount from Payoneer, but I have not received the funds yet. This delay is causing significant inconvenience and financial strain. The State Bank of Pakistan (SBP) should take immediate action to address such issues and ensure timely processing of #internationalpayments. Additionally, the day I withdrew the amount, the conversion rate was different, and now it has changed. Clarity is needed on the current exchange rate for converting USD to Pakistani Rupees (PKR) as the PKR currency remains unstable. I would also like to understand how the Pakistan Software Export Board (PSEB) and the Ministry of IT and Telecom Pakistan are handling such cases. This situation is impacting tech companies like ours and causing undue stress for our employees who rely on timely payments. Your prompt attention and resolution of this matter would be greatly appreciated. #TechIndustry #StateBankOfPakistan #Payoneer #PaymentsDelay #PSEB #MinistryOfIT #FinancialStability #ExchangeRate #USDToPKR #SupportLocalBusinesses

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Addressing the elephant in the room i.e., the Pakistani IT "services" industry best to my modest knowledge and experience as an employee, and an employer. Every other post I come across lately is from an employee sharing grievances such as withheld salaries, layoffs, or manhandling by a so-called software house. On the other hand, some employers are bashing employees for forfeiting company policies, not achieving KPIs, or even grave accusations such as data theft. Now, who's actually at fault? The employee, or the employer? It's a two-way road. These are just the consequences; the bigger problem lies in the line of business and the work process itself. The industry has become so densely populated lately with everyone jumping on the bandwagon, still pursuing cliched business ideas and execution processes related to content, design, or development. Employers or investors don't have the knack or patience to work on a new business idea or execution model. Everyone is just looking to make quick bucks which leaves no breathing space for the industry to survive, let alone thrive. How many product-based companies do even exist in Pakistan? I can count them on my fingertips. While we should have focused on SaaS (Software as a Service), we twisted that into (Sales as a Service). The obnoxiously high salary slabs that have been normalized in the market can only be justified by unrealistic sales targets. Both employers and employees make unrealistic demands and live in a pipedream, which has turned the whole industry's practices upside down. Securing a $300 lead from Google/Bing to sell a $50 logo with hopes of upselling some accounts maliciously to get a better ROI. A meager 2 developers to support a sales team of 20 people. Where do I even begin? Giddy up lads, or Qibla badal len! This bubble seems to be bursting out very soon!

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Startups are risky, and as an engineer, when you join one, you have to accept the risk that comes with this. SadaPay - a promising startup laying off a substantial number of their workforce has been in the news lately. Regardless of where it happens in the world, startups are unpredictable, high risk ventures that rarely break out. So if you are an Engineer, you need to be aware that high risk means you can lose your job with no warning, and without it being your fault. You can earn and learn very quickly at startups in most cases, but you need to make sure you accept the uncertainty that comes with it. Overall, global tech job market is not on a good trajectory at the moment and the fact that new devs are entering local markets by tens of thousands each year, and experienced talent competing against them for similar roles makes for a hectic job search situation. Add to this that #copilots and other tools are closing the experience gap, companies do not need majority of their devs to have years of experience, the mix is changing, few experienced engineers and majority of new/mid-level engineers can produce solid outcomes. I know some people will disagree with this but in the boardrooms and during leadership meetings, these are the options being discussed. I hope those impacted find someplace to land soon but there is more qualified talent in the market today and it won’t be easy landing quickly. Taking the huge potential #Pakistan has and turning it into successful outcome has not been, and will not be a smooth journey, but there are companies/platforms that will come to market over next 6-12 months that have the potential to upset the incumbents. Hang in there, it always gets harder before it gets better.

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Yesterday’s internet outage in Pakistan was a stark reminder of the pressing issues our IT sector faces. Despite claims of ongoing improvements, we are repeatedly confronted with fundamental infrastructure deficiencies that hinder our progress. Let's delve into the major pain points affecting the future of IT in Pakistan: Internet Outages and Disruptions: The recent internet outage, coupled with months of frequent slowdowns and disruptions, has severely impacted businesses and individuals alike. Reliable internet is the backbone of any modern IT infrastructure, and these recurring issues highlight a critical vulnerability that needs urgent attention. Lagging in Connectivity: While the world is moving beyond 5G and even testing 7G technologies, Pakistan is still struggling with 4G coverage. Many regions remain unconnected, leaving a significant portion of our population without access to high-speed internet. This digital divide hampers innovation and economic growth. Lack of Basic Infrastructure: Despite bold claims of improving the IT sector, the reality on the ground tells a different story. Without a robust and reliable internet infrastructure, these claims remain hollow. The government and private sector must invest heavily in upgrading our internet infrastructure to keep pace with global advancements. Absence of International Payment Gateways: The lack of international payment gateways has a detrimental impact on freelancers and businesses that rely on receiving payments from abroad. This not only limits growth opportunities but also discourages potential talent from entering the freelance market, stifling the development of a vibrant digital economy. High Electricity Costs and Frequent Outages: The cost of electricity and frequent power outages significantly raise the cost of doing business in Pakistan. IT companies and freelancers require a stable and affordable power supply to operate effectively. The current situation leads to increased operational costs and decreased productivity, further eroding our competitiveness on the global stage. To truly harness the potential of the IT sector and position Pakistan as a leader in the digital economy, we must address these foundational issues head-on. This includes ensuring reliable internet connectivity, expanding 4G and beyond, facilitating international transactions, and providing a stable and cost-effective power supply. Let's work together to build a future where Pakistan's IT sector can thrive and compete on a global level. The time for action is now.

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I observe a growing frustration among Pakistani people, especially the salaried class, due to high inflation and an elite-focused budget in Pakistan. This is a critical time to reflect on the situation and respond thoughtfully. 1. Clear Your Mind Clear your mind and focus on what you can control. Understand the holistic overview of political scenarios. Don't criticize government policies blindly; engage constructively in political discussions. Negative thoughts will harm you internally without impacting the government. Instead, support and advocate for policies and leaders that align with your values. 2. Acknowledge and Fix Problems Don't be negative all the time. Acknowledge the problem and start fixing it. Educate yourself about financial literacy, taxes, and their implications on your financial situation. You're not alone in this situation; many people might be looking to fix the same problem. Participate in community discussions to find solutions together. 3. Beware of Ponzi and Fraud Schemes Beware of Ponzi and fraud schemes. There's a famous proverb in Pakistan: "As long as there are greedy people, a scammer will never go hungry." Mostly, the greedy are the ones being scammed. In these tough times, everyone needs additional sources of income, and people tend to take shortcuts, wanting quick and fast results. These individuals are the easiest targets for scammers. Scammers play with their emotions, creating a sense of urgency, making them feel like they might miss out on a lucrative opportunity if they don't act immediately. Always take calculated steps; urgent and emotional decisions often lead to disastrous consequences. Can you share your thoughts on this?

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Fintech most likely to fail after Brandon Timinsky departure! With it’s recent acquisition and change in structure and procedure. The one platform in Pakistan’s ecosystem that followed a simple process and had good customer service is losing its initial qualities. Already there has been a recent trend towards of many users opting out of SadaPay after its acquisition, the digital platform is also not speaking to its users anymore and not working on solution offering & is comfortable losing its intial users. After checking all records, they claim to send emails but there is no record and if you’re gonna lock someone out with a limited user base as this is still not a traditional bank, a phone call would’ve been appreciated. None the less, another loss for Pakistan’s financial ecosystem, why can’t we just make things simple, why do we have to make it difficult? #poorexperience #losingtrust #losingusers #managementchange #sadapay #financialuncertainty

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This is how PayPeople.pk - Cloud HR Software teams working hard to automate HRTech industry in Pakistan.

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And in return, they'll give us nothing, - We'll have to buy (interrupted) electricity at high prices, then pay for generator fuel. - We'll have to pay for (interrupted) gas at high prices, then for the cylinder. - We'll have to pay for water supply and then pay for tankers. - We'll have to pay General sales tax, Adv. sales tax, and other sales tax. - We'll have to pay tax on everything from pencils to medicine. - We'll get broken infrastructure. - We'll get killed by snatchers for mobile, vehicle, and cash. - We'll get robbed by police with unidentified bikes. - We'll get stuck in the rain because (jb ziyada barish ata hai to zyada pain ata hai). May Allah bless us all and help us in leaving this country.

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Most people find it difficult to check which bank is their Raast ID registered with BUT the champions of customer experience i.e. SadaPay provides you information of the bank registered with your Raast ID (if any) This is such a great feature which is missing in almost all banking apps, do try it out #banking #userexperience #linkedin

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Right now, many people in Pakistan are finding it really hard to make ends meet. The economy is struggling, and things have become very expensive. Prices of everyday items, like food and fuel, have gone up a lot. For those who have regular jobs and earn a salary, the situation is even tougher. The government has put high taxes on the salaried class, which means a big chunk of their earnings goes to taxes. After paying these taxes, there’s not much left for other expenses like rent, utilities, and groceries. In simple words, it has become very difficult for the average person to survive in Pakistan today. Ahsan Iqbal Chaudhary Salaried Class Alliance Pakistan Many people are trying to start freelancing to earn extra money. However, platforms like Upwork are making it hard for new freelancers. They keep asking for more "connects" (credits needed to apply for jobs), making it difficult for beginners to find work. In simple words, it has become very difficult for the average person to survive in Pakistan today. Hit up on Upwork, lets discuss your project and turn your idea into reality https://lnkd.in/dFcb7VAV #OpenToWork #WorkAbroad #PolandJobs #AustriaJobs #HungaryJobs #EstoniaJobs #JobSearch #CareerOpportunities #WorkInEurope #InternationalJobs #software #softwareTesting #java #selenium #playwright #automation #Agile #scrum #taxkumkaro

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If you understand your client's needs, and support their work, they will choose you over any other competitor. Watch the full video with Ashraful Islam, CEO of Devs Core here - https://lnkd.in/gJPnemVG #ckhnetwork #coachkamrulhasan #Entrepreneurship #business #success #It

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Empowering Pakistan How Branchless Banking is Redefining Financial Inclusion and Economic Growth Branchless banking in Pakistan holds significant potential for transforming the financial market. Let’s discuss the key points. 1- Financial Inclusion 2- Cost Efficiency 3- Convenience and Accessibility 4- Technology Adoption 5- Regulatory Support 6- Economic Growth Financial Inclusion: Branchless banking can extend financial services to underserved and unbanked populations, particularly in rural areas where traditional banking infrastructure is limited.   Cost Efficiency: It reduces operational costs for banks by minimizing the need for physical branches and associated expenses.   Convenience and Accessibility: Mobile banking platforms and agent networks offer greater convenience for customers, providing 24/7 access to banking services.   Technology Adoption: With the growing penetration of mobile phones and internet connectivity, especially among younger populations, branchless banking is well-positioned to leverage these trends.   Regulatory Support: The State Bank of Pakistan has been supportive of digital financial services, creating a conducive regulatory environment for the growth of branchless banking.    Economic Growth: By promoting financial inclusion and facilitating transactions, branchless banking can give new energy to economic activities and growth.   In summary, branchless banking in Pakistan has the potential to revolutionize the financial landscape by enhancing accessibility, reducing costs, and promoting economic development.

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🎉 Meet Syed Yawar Abbas The Man, The Myth, The Legend 🎉 If you’ve ever worked with someone who seems to be a one-man army, you know how rare and inspiring that can be. For me, that person is Syed Yawar Abbas. 💡 Why do I call him a one-man army? Because he’s someone who brings unmatched energy, dedication, and mastery to everything he does. Let me share just a few of the many qualities that make Yawar such a remarkable person: 1️⃣ Dedication to Building an Amazing Company Culture At IOMechs (a company that enables businesses and startups with their development needs), Yawar works tirelessly to ensure that the team thrives in an environment of collaboration, growth, and positivity. 2️⃣ Mastery of Details and Clear Communication Whether he’s managing client relationships or navigating complex projects, Yawar ensures every interaction is handled with precision, clarity, and a personal touch. 3️⃣ Supporter of Community Initiatives He’s always looking for ways to give back to the developer community. For instance, partnering with GDG Kolachi‘s DevFest to enable and empower developers. His commitment to the community is truly inspiring. 4️⃣ Financial Savvy and Vision Yawar’s keen eye on company finances and projections ensures we stay ahead of the curve. His ability to think strategically and execute effectively is second to none. And the best part? It seems like he doesn’t even age! I’ve known him since 2010, and he’s just as energetic and inspiring now as he was back then. 😅 👏 Here’s to Yawar: Your ability to balance so many roles with such grace and energy is something I deeply admire. Whether it’s client dealings, setting company culture, or supporting the community, you’re the kind of leader who inspires everyone around you. It’s a privilege to work alongside someone like you! 💬 Who’s the one person in your career who inspires you the most? Let me know in the comments—I’d love to hear your stories! #Leadership #CommunityBuilding #SoftwareConsultancy #TeamCulture #Inspiration #DevFest #GDGKolachi PS: if you’re a business owner who needs help with getting their MVP shipped, or scaled, reach out at [email protected]

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