A team from Bankable Frontier Associates started a project to study the effect of interoperability in retail payments on the outcome of financial inclusion in Pakistan. The target they set was 100 million Pakistanis to be financially included electronically by 2020. Now the final report is ready and available for the public. Specific ideas for the Pakistani market are provided in the report. These are intended to be implemented in workshops with Pakistan industry. Moreover, the report stresses on the importance of interoperability and the reasons for that as wel as on how people should think about it from a policy and market development perspective and how it should be measured.