Wouldn’t it be convenient if we didn't have to carry a debit or a credit card?

Imagine an electronic wallet through which you could:

• Access your bank accounts
• Deposit or withdraw cash
• Check balance
• Transfer money
• Pay at outlets

Sound like a dream? Here are the top options in no particular order:

1. JazzCash by JAZZ

What's on offer: Offers bill payment, cash transfers, online retail, offline retail, salary disbursements, donations, social cash transfers, insurance, savings and salary/corporate disbursements.

What's special: It also has the feature to pay for passport fee, purchasing rail ticket, interbank transfer and online payments. Also, even non-jazz users can also use this facility.

Visit website or download app.

2. Easy paisa by Telenor

What's on offer: Offers bill payment, cash transfers, online retail, offline retail, salary disbursements, donations, social cash transfers, insurance and savings.

What's special: It also provides inter-bank fund transfer and online payments.

Visit website or download app

3. SimSim by Finja

What's on offer: Lets you do the following such as, bill payment, cash transfers, online retail, offline retail, donations, social cash transfers, inter bank transfer and savings.

What's special: Additional Services are QR code payments, merchant locator app, and payroll functionality for companies , etc. It also has home remittance facility where you can receive money from all over the world sent via XPress money.

Visit website or download app on Google Play and the App Store

4. Keenu-Wallet

What's on offer: The prominent features of the Program include retail/online purchases, bill payments, mobile recharge, and request & make payments and to top it all off, every payment and purchase is linked with instant cash back and rewards.

What's special: Keenu rewards you instantly on every purchase.

Visit website or download app on Google Play or the App Store

5. U-paisa by Ufone

What's on offer: This is one of the oldest facilities, only available to Ufone users. It allows bill payment, cash transfers, donations, social cash transfers, etc.

Visit website or download app on Google Play or App Store