THE CONTRIBUTION OF E-COMMERCE TO ECONOMIC DEVELOPMENT IN PAKISTAN: OPPORTUNITIES AND CHALLENGES

Abstract

E-commerce has emerged as one of most critical economic transformations in developing nations, which provide companies with a chance to overcome the geographical boundaries and increase productivity. In Pakistan, there are however differences across regions and underdeveloped districts like Dera Ismail Khan are behind in terms of digital preparedness. This research paper analyses the role of e-commerce in the economic growth of regions like Dera Ismail Khan through the adoption rates of e-commerce by small and medium enterprises (SMEs), consumer behavior, and impact of digital infrastructure, payment system & government support. It was quantitative & cross-sectional study that was conducted on 364 participants. The analysis identified how infrastructure, adoption, and digital payments; demographic differences & institutional factors have significant influences. E-commerce has proven to have a positive impact in economic activity and access to the market economy in Dera Ismail Khan, but there are still infrastructural and trust-overcoming challenges. The results provide significant information for reaching conclusion. Thus, the regional digital development be inclusive, & strategic policy interventions, such as enhancing broadband connectivity, promoting fintech trust, increasing logistics capacity & developing human capital are needed.