Lack of Transparency with Remittance Utilization Continues to Impact Migrant Communities


Pakistanis living abroad remit funds for essential tasks back home, and they often complain about their money not being used for the intended purpose. While living abroad as a migrant has its set of challenges, migrants also have to face time-sensitive delays and misuse of remittance back home.

Challenges Faced by Pakistani Immigrants Across the Globe

Zero Transparency

There is zero transparency in the traditional system; dishonest and dubious vendors back home are the reason why migrants have started to find safe, instant, and independent ways to transfer their hard-earned money to native countries.

Challenges that usually occur while dealing with vendors are:

  1. Misuse of funds,
  2. Money/goods not being delivered timely,
  3. Inflated bills & invoices,
  4. Ghosting by Business Vendors back home.

It’s because of these factors that migrants have lost ample time in the past. And are rapidly losing their trust in traditional remittance as well. Migrants are now switching to different reliable models that do the job well. 

Finding the Right Vendor

Accessibility issue comes as the biggest challenge, especially when one is miles away from home. Due to busy friends and family and a lack of access to trustworthy vendors, migrants have no choice but to work with any service provider they can find, resulting in an unsatisfactory delivery or no delivery at all.

Migrants have slowly realized that the traditional remittance model has become a black hole where there is no transparency on money spending. 

Firsthand Payments

According to a survey from CENFRI, 71% of migrants would prefer to make payments directly to a business vendor back home instead of sending money to a cousin or uncle and asking them to manage the transaction on their behalf. Direct payments to business vendors imply that migrants only pay for the actual cost of the particular service that they use. They don’t have to fret about facing any delays, misuse, or misplacement of funds. 

Immigrants Remit Funds for Key Tasks Back Home


75% short-term (everyday tasks)

  • Healthcare
  • Older care
  • Charity
  • Insurance
  • Education
  • Home Bills
  • Event Planning
  • Groceries
  • Legal Work
  • Documentation
  • Specialty Gifts

The study by CENFRI states that over 70% of migrants send their money to friends, family, siblings, extended families, or grandparents for these everyday tasks.

The research also suggested that the respondents’ largest share indicated that they remit for health, household expenses, school fees, and celebrations.

25% long term tasks

  • Buy Assets
  • Investments
  • Savings

InstaKin is A One-Stop Solution for Migrants Living Abroad

Migrant communities are now moving away from traditional remittances towards a new model – InstaKinwhere they can make direct payments to business vendors residing in their home countries. This method is also commonly known as purpose-driven remittances or task-based remittances.

InstaKin aims at connecting migrant communities with already operational, verified, and trusted vendors back home through a quick, accurate, and compliant financial platform. 

Thanks to InstaKin, migrants now have:

  1. Transparency on costs back home,
  2. Zero dependencies on busy relatives of friends,
  3. No leakages as all transactions are invoiced. Contracts get issued via InstaKin,
  4. And most importantly, peace of mind as migrants don’t have to run around.

Our Customer App

InstaKin’s App is easy to use with powerful features and secure payments, as it offers migrants a one-stop solution to all their tasks dealing with problems back home. InstaKin’s App has the edge over its competitors in the following:


One-stop solution for all immigrants, InstaKin makes getting tasks done back home a whole lot easier. With Instakin, your tasks are just a click away.


Thanks to InstaKin, you know precisely where and when you spent your money. You have complete control and visibility.


We’re big on loyalty programs. With InstaKin, spend more, save more.

Access to Vendors

You can now spend your hard-earned funds on your choice of services directly via InstaKin’s App. From Legal Documentation to Special Requests, we’ve got you covered!

Key features to securely provide immigrants with access back home:

  • Secure Transactions
  • InstaPay for payment security
  • Multi-Payment Options
  • Digital Wallet
  • Cross-Platform
  • Community Chat & Message Boards
  • Vendor Collaboration
  • Intuitive Interface

Our process is simple and convenient:

  • Contact Instakin’s team through our website by clicking on Contact Us and let us know what you need.
  • Our customer excellence team will coordinate and gather all the information from you and provide you with a timeline and a quote.
  • You will make an online payment via our secure payment gateway.
  • We will work with our network of vendors to complete your order’s requirements.
  • We will submit you a full report with our 100% guarantee.

The minute you submit your inquiry on our website, our expert Kin will reach out to you instantly and get your tasks managed as per your liking. Customers will make direct payments with the help of our App for any services they have availed. 

Migrant communities living abroad need not fret as our team of experts at InstaKin will help you manage all your matters back at homeland, be it anything; you are welcome to avail of our services 24/7. Post a request or become our partner today.