Pakistanis have intricate financial lives, mainly relying on unregulated, informal mechanisms to address their financial needs. Pakistan is one of the largest unbanked countries in the world, with only 14% of all adults being financially included. Although the nascent mobile money industry has enabled thousands of poor Pakistanis to remit cash and pay bills with ease, banks still lead the way in account registration. Between 2013 and 2017, bank account holders grew by 4 percentage points. Today, almost eight in 10 Pakistanis (76%) are aware of a mobile money provider; mobile money users remain largely OTC users, who grew by 4 percentage points between 2016 and 2017 while only four percent have registered accounts. Turning awareness to use will position the country to make leaps in financial inclusion.