No credit card? No problem!
By A Abbas
In Pakistan, the concept of plastic money is still a new one. People are cautious around banks and their jargon. But with the boom of online businesses on Facebook, their owners have come up with new ways of getting their payments.
Nargis Firdaus, a media sciences student, runs the Facebook cosmetic and accessories store, Dhanak. She offers bank transfers and ‘Easy Paisa’ as modes of payment. “I offer these methods because some people are not comfortable with bank transfers. I feel that they have problems with it, even though it is quiet easy.”

 

 

 

 

It is so easy. You click ‘Add to Cart’ and the virtual shopping basket has an item you like. You ‘Proceed to Checkout’ and fill in your credit card details. Elsewhere, a computer hums as your order is processed hence beginning a cycle in which your item will be wrapped, labeled and shipped out. Three to 30 days later, you open the door to the courier man, ready with your parcel. The anticipation for it was well worth the few simple clicks you made to get that item.

Online shopping is gaining popularity among Karachiites. Not long ago, Pakistan wasn’t an option a website offered in its shipping menu. The only other way for getting goodies from abroad was to ask one’s relatives who were visiting for the summer. Today, market forces have brought in a new era of the shopping experience. Through YouTube and Amazon, consumers here are aware of the best brands and want more than just run-of-the-mill, substandard products.

Initially, online shopping in Pakistan meant electronics as there was an abundance of websites which sell laptops, cell phones, DSLR cameras and other gadgets. But that has slowly changed and now there are websites for clothes, cosmetics, jewellery and accessories. Zainab Mehmood, the brand and marketing manager for Just4Girls.pk, an online website dealing primarily in branded cosmetics, believes that online shopping has huge potential in Pakistan. “Countries like USA and UK have been trading in online businesses for many years with their audiences growing every year. Pakistan has had a slow start to this form of business due to the lack of access to fast internet in the past and also as people in Pakistan can be quite reluctant to pay before receiving an item, but thanks to cash on delivery (COD) services offered by courier companies in Pakistan the ratings for online sales has doubled since 2011,” she says.

Mehmood narrates how the idea for Just4Girls.pk evolved when a few girls from the UK and Pakistan felt that young Pakistani women deserved to have more variety in brands and easy accessibility to them as well. “There are many brands which one may find in supermarkets in Karachi and Lahore but unfortunately women living in smaller cities do not have access to these products. So with our services we want them to avail the benefits of having a vast variety to choose from as well as have the products delivered at their very doorstep”.

Mehmood is optimistic that the online shopping trend will continue to grow in Pakistan. “More people are becoming aware of the concept. I would say that we have opened the eyes of many women throughout Pakistan with regards to shopping online.”

For entrepreneurs, the online shopping trend has been a major breakthrough. Many have started their own businesses and have used social networking sites to market them. Satrangi, a business specialising in bangles and wallets adorned with chamakpati was founded by Fizza Ali Syed when she was experimenting with materials while on summer break. “I have always been making my own accessories and was encouraged by friends to turn it into a business.”  

Since she did not have a physical outlet, Syed used social media to get customers. “They need to see something they have never seen before and the truck art inspired jewellery really caught their eye. Photography and presentation play a very important role when you are promoting your brand/products through virtual media.”

Syed also knows that one has to keep customers coming back for more. “The online shopping trend is even bigger than it seems,” she says, “It needs to be an experience hence we always want to make the consumer feel that their order is getting the ‘royal’ treatment hence Satrangi is always being creative with ideas to keep the customers, happy, we slip in surprise gifts and handwritten thank you notes with the parcels. It is always a pleasure to know that one’s work is appreciated.”

Handmade.Fabulous.Fancified was found by Hera Khoso when she felt bored with all the jewellery available in the market. “It was too ‘wedding’ like for my taste.” On the encouragement of her friends she launched her Facebook page, specialising in handmade earrings. “I never did anything special to market it,” she says. “I am amazed at how it spread.”

Khoso’s success is based on personally interacting with her customers through email. This ‘personal touch’ is why she feels customers come back again and again. “Online shopping has gained major points in the past two years. One reason is that you get to browse things sitting within the comfort of your home so it is easy. Secondly, one thing which I personally feel makes online shopping special is that a lot of the brands working online have so much special to offer which we do not find at shops otherwise so you WANT to own something that is not at every shop you enter. Its value as a product increases.”

But is it all as it is hyped up to be? Huda Ayaz, 21, a university student does not shop online because no courier delivers to her doorstep. “I live in Korangi and when I give my address, many couriers say that they will not deliver there. Also, I shop once a month for the things I need so I do not feel the need to shop online.” Sheerin Jafri, also a university student cites the same reason. “Where I live in Rizvia society, couriers usually don’t deliver. So the few times I have shopped online, I sent my purchase within their delivery limits and picked it up from there.”

Hina Luqman, 32, favours the traditional way of shopping. “I would rather feel the product in my hand than buy it based only on a picture. Online shopping cannot replace the feeling of browsing through stores and selecting things to buy.”

Sonia Ashraf, 21, highlights some pros and cons of shopping online, “I am a full time student so online shopping is very convenient for me. It negates the need for taking time out to plan a day to go shopping. But one thing that has to be put up with is that there is no guarantee that the product will look exactly like what you see on the computer; the photo may be taken with flash or the computer’s resolution might make it seem different.  So one must allow for slight differences.”

There is definitely scope for growth for online shopping in Pakistan. It does provide ease and accessibility. Yet there will have to be a better infrastructure before everyone can avail its benefits.

 

 

 

 

No credit card? No problem!
By A Abbas

In Pakistan, the concept of plastic money is still a new one. People are cautious around banks and their jargon. But with the boom of online businesses on Facebook, their owners have come up with new ways of getting their payments.

Nargis Firdaus, a media sciences student, runs the Facebook cosmetic and accessories store, Dhanak. She offers bank transfers and ‘Easy Paisa’ as modes of payment. “I offer these methods because some people are not comfortable with bank transfers. I feel that they have problems with it, even though it is quiet easy.”

The ‘Easy Paisa’ mode of payment is comfortable for some as it requires the customer’s NIC document and the receiver’s NIC number. “I just ask a friend of mine to do it, and there aren’t any signatures or ATM PINs involved,” says Sonia Ashraf, an avid online shopper.

Nargis is notified through email and an SMS that she has received the payments. It is interesting to note that these forms of technology have made banking and shopping portable and on-the-go. Yet another method of payment is cash on delivery which is preferred by most online shoppers. It does not require the daunting task of transferring through banks and one can pay at their doorstep. Some Facebook businesses like International Makeup in Pakistan have accounts in more than one bank to make it easier for buyers to deposit their payments.

For businesses in Lahore or Islamabad, courier charges range from Rs130 to 200, hence customers are careful to keep these costs in mind as it adds up. “I have even gone to a business owner’s place to collect her purchase because she did not want to pay the delivery cost,” says Ailya Ahmed, an online shopper and a student.

Companies like Blue Ex offer packages for cash on delivery. Often the claims for ‘free shipping’ are adjusted within the cost of the item being bought.

Of course, customers tend to overlook these charges because of the ease of receiving the product at their very doorstep. Some banks also have charges for depositing money online. “It is unbelievable how the costs can add up,” says Ghazal Iqbal, a shopper contacted through Facebook, “There is the cost of the items you ordered, the cost of the delivery and then the additional bank charges! At the end of it you have spent at least Rs 300 in just extra charges.”

Nargis has to work doubly hard for those customers who would rather pay her in person. “For those customers who live very close, I set up a common meeting place like a restaurant or a mall in the vicinity. Then I go there and give the customers their purchases.” She is on the look-out for a good service that deals with cash on delivery. “At the moment, I am not sure what my options are and how this method works,” she says.

Fatima Ahmed, who runs the Facebook cosmetics and online store, Beauty Unleashed, also goes to deliver products herself. “Online shopping is fun and has its perks but when it comes to delivery it can get a bit messy. We have some people who assist us because they have a vehicle, and sometimes we do it ourselves. But when the situation of the city is precarious, we cannot do so. I feel that to deliver in person is the safest option because the customer can check their products then and there.”

The prevalence of these methods of payment has rendered credit cards unnecessary for online shopping. Customers are able to get a wide variety of goods from abroad and have the option to pay in rupees with a few additional costs. The general consensus remains that cash on delivery is the online shopping community’s preferred way of payment.

 

   

 

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