Ktrade is an app for investing in stocks listed on Pakistan Stock Exchange (PSX). Investors can also put money in mutual funds. We will launch commodity very soon. The vision is to make this into a digital bank. We are fully regulated and have trading rights on PSX. We have complete systems for trading, settlement, finance and compliance. We launched in July 2018 and now have 2% market share of all trading on PSX. Our clients are both institutional investors and retail savers. There are only 250,000 people who invest in stocks in Pakistan. However, mobile will change that. 61m have smartphones -growing by 1m per month. PSX has been acquired by Shanghai Stock Exchange and they are targeting 2m investors in 3 years. We want to capture that growth. Will also target Pakistani diaspora overseas - 9m who send $20m back through remittances.