This paper discusses the success of cash domination in Pakistan, challenges from digitalization, and the way forward to maintain its dominance in future. 
 Cash has traditionally been the dominant form of payment. However, with the rapid advancement of digital technologies and increasing financial inclusion, the payment landscape is undergoing a massive transformation. 
While digital payment methods are gaining traction in Pakistan, cash remains significant in the country’s economy. 
 Pakistan is predominantly cash strapped and cash reliant country and  mostly  people rely on cash payments, referring to it as more convenient and safer than any other available media. Further, cash is widely used as a traditional gift-giving method in social and cultural contexts. Cash also serves as a domestic store of value for many individuals. 
 For a cash-centric economy like Pakistan, the population prefers cash. 
Digital payments offer unparalleled convenience. With just a few smartphone taps or computer clicks, transactions can be completed instantly, irrespective of geographical boundaries. The digital payments are on the rise in Pakistan with digital channels handling 87% of retail payments by volume, reflecting growing public trust. The collective number of mobile banking app users grew by 4%, reaching 96.5 million from 93.0 million in previous quarter. 
Despite this progress, challenges such as limited financial literacy, inadequate infrastructure, and cybersecurity concerns hinder widespread digital adoption.  
The future of cash will depend on effectively overcoming these challenges and fostering a more inclusive financial ecosystem. 
Given the current infrastructure, especially energy and weak infrastructure, the financial literacy of the masses, and a shadow economy, dependence on cash seems highly likely for the foreseeable future. By striking balance between digital payment alternatives and promoting accessibility, Pakistan can achieve an efficient, inclusive, and secure payment network that caters to the diverse needs and preferences of its population.