Everything you need to know about new tax on all banking transactions

If you have a bank account in Pakistan or if you are a businessman or a salaried employee, you must have heard about a new type of tax being imposed on all new banking transactions. The tax was first announced in budget speech this year by Pakistan’s finance minister and came into full effect from 1st July 2015, that is when people started to notice the tax rate and since then mainly traders are holding strikes, even Lahore Chamber of Commerce is holding demonstrations and other traders and business unions are also thinking about the same.

FBR increasing Tax Net

Image Courtesy of Tribune.com.pk

So, what is this tax and why I should be concerned about it?

I have had full-length discussions with two of my bankers today, and here is what I know now and what you need to know as well:

  • This tax is a measure introduced by Pakistan’s Government to increase the tax net in the country. If you follow the news, you would know that IMF dictated for it, and rightly so, this should be done as we can’t run a country without generating enough income from internal taxes, that incapacity makes us dependent on foreign loans. So, the purpose of the tax is to penalize those people who are not paying any income tax or not filing any annual income tax returns.
  • There is NO new tax on annual tax return filers. They only have to pay 0.3% tax on cash withdrawals above Rs.50,000.
  • People who don’t file their annual income returns needs to pay 0.6% With Holding Tax (W.H.T) on all banking transactions above Rs.50,000.
  • If you file your annual income tax returns or have at least filed last years return, your name should have been included in the Active Tax Payer List published by FBR this year. If it’s there, you need to talk to your bank manager immediately, he will verify if the bank already knows about your filer status, if not, you will need to provide a copy of your last return and your status with the bank will be sorted.
  • If you are an employee, you must have been paying your income tax at the source since the beginning but most people do not file their tax returns. Note that you have to do this by yourself every year, if you do not know how to, find an accountant or tax lawyer who will file the return on your behalf. Once you file the return, update your bank and they will stop charging you 0.6% on every transaction above Rs.50,000.
  • The tax is of With Holding Tax (W.H.T) type, that means you can claim it back in your next year return as well.

So, basically just go out there and sort your matters with tax authorities and your bank. I am still in disbelief by looking at all these people who are holding strikes and demonstrations, what are you asking for? To keep your status as non-filer?

Transport in Dubai

Even if the public mode of transport is not famous in Dubai, there are quite a number of ways to navigate the city without using one’s own vehicle. There is a combination of minivans, buses, taxis and boats which make all parts of Dubai’s metropolitan area accessible. For most international visitors, the point of entry is Dubai International Airport; the highly acclaimed airport.

Even if travelling by car is still the major transport choice for most local residents, there is a reasonable choice of public transport accessible to visitors. Exploring the city can be accomplished through the use of taxis, the system of public buses, city water taxis. Even then, most hotels have their own minivans, which they use to ferry guests from one point to another.

The Dubai Metro

Dubai Metro

Inaugurated on 9th September 2009, the Dubai metro is driver less. It is a metro rail network which is fully automated in the United Arab Emirates Dubai city. The Green Line and the Red Line are fully operational in addition to three further lines planned. There are 70 Kilometers in the first two lines of the Dubai Metro with an additional nine stations underground. The transport system in Dubai is divided into five zones. By the year 2013, the most affordable ticket on a 3 Km distance cost only 2.00 AED. Better to keep the Dubai Metro pocket brochure


Dubai Taxis

The Dubai taxis are not only cheap but also plentiful compared to other similar cities. Most of the cars are new, safe and very clean. Moreover, the drivers are honest and don’t rip you off. Even if the transport system in Dubai is constantly improving, it is still a city of cars and hence sensible to use a taxi at some point during your trip.


Dubai Buses

A major part of Dubai’s system of public transport is made up of buses. Buses are able to access those places where the metro may not be able to reach such as Jumeirah beach. The bus stops are recognized from their space age design which is an air conditioned metal box. Regrettably, if the air conditioning is malfunctioning; the metal box’s interior can be a furnace of air that is super heated irrespective of the weather condition.

New Bus Journey Planner for Manchester is here

UK Government announced the closure of TransportDirect.info website on September 23rd, 2014 and they closed it down on following October 1st. It’s typical Tori way of doing things. Abrupt. Government claimed that TransportDirect website was sucking in £50 million every year. They said it’s too much for a simple transit website which was at least 3 times slower than it’s alternatives. The Government is obviously not working in the interests of common people, Conservatives are mostly inclined towards corporates and businesses, subsiding and providing service to a common man is not the top priority of this Government, clearly. On the other hand, £50 million is what you shouldn’t obviously be paying at this day and age when engineering something is a lot more cheaper because of existing tools and technologies, plus UK GOV Data is doing a splendid job in terms of open sourcing the Government data for the developers to play along.

Manchester Buses

Manchester Buses

TransportDirect website itself was conceived in 1999 by then Deputy Prime Minister but as red tapes of Government go along, the site itself came online in 2004. The best thing of the website was it’s responsiveness, making it available for over 50% of website visitors now who use their mobiles primarily for searching while on the go.

These types of tools are obviously made for those who stand outside in freezing rain at 11pm, hoping a bus will come along soon. The only other currently live alternative is Traveline, whose website is not mobile optimised. The UK Government cited reason that there are several alternatives now available for local transit search, in practice, those alternatives are for London only. It’s true that London has more than 300 apps available just to search and compete with TFL, the official journey planner of Transport for London. Similarly, to attract developers, London alone has same local bus passengers which rest of UK has combined but is there life outside London dear Government? Yes, there is. Greater Manchester is home to 2.5 million people. Although, most use cars and there are trams and local trains available, the city itself moves on a fleet of buses which connect every part of Greater Manchester together. The city is also home to three universities, University of Manchester, Manchester Metropolitan University and Salford University, each of these universities attract 10s of thousands of students every year from around the world. All of these students rely on extensive bus network which Transport for Greater Manchester operates. Yes, Citymapper and other apps are available for London and yes Google Maps provides the local transit information but is it mostly accurate? Is that a dedicated service? Is turning everything around Google is a good idea?

Taking care all of these aspects and considering our love for Greater Manchester, it’s people and it’s fleet of buses which keep the city going, we decided to build Manchester Buses – Your new Bus Journey Planner, the website is optimised for mobile users, provides latest and up-to-date information and is far more quicker than now defunct TransportDirect. We are in the process of integrating local maps to make it more useful for local commuters, dedicated and natively-coded Android and iOS mobile apps are also following along soon.



Operation – 021, a true cinematic experience (Review)

Operation - 021 Poster

Operation – 021 Poster

We live in the age of commercial cinema where everything revolves around pleasing masses and making as much money as possible through your film. This is particularly true for Bollywood and previously near non-existent Pakistani cinema. Well, after a very long time, Operation – 021 has reminded us why the art of cinema took birth at first place and why you should spend money and time while locked down in a hall, watching a movie. If it was for cheap entertainment, plenty of it is available in the comfort of our own living rooms in the form of cable TV.

It’s not your ordinary Masala movie, if that is why you are thinking to spend Rs.400, I would better suggest you to watch Na Maloom Afraad. I was particularly uneasy in the packed cinema house where most in the audience were unaware of the fact that movie contains no dance item numbers and there will be no thrilling action stunts.

While we were going for the movie, a friend told me that it’s ISPR (public relations wing of Pakistan Army) funded and audience stopped the screening of the movie at two cinemas in Karachi because they simply didn’t liked it. Technically, Pakistani audience is not yet prepared to watch such flicks, the directors must have thought about this before embarking to make a movie of such genre. There is a very liberal use of Pashto, Urdu and English languages in the movie, clearly, it’s not made for Pakistan only, even if you look at the director’s list, along with Pakistan’s Jami you will find Australian director Summer Nicks and if you look at the writer’s credits, dutchman Joe Towne is there who is also playing as ‘Nathan’ in the movie. Surely, it’s made for International audience and we can expect it to be shown at Film festivals and cinemas around the world. As per the ISPR part goes, suspicion is a fashion in Pakistan nowadays, if someone is talking common-sense, he is a liberal and works for western interests. If someone simply posts something Islamic on Facebook then he is ‘Maulvi’ by default . Similarly, if there is a movie plot going against the popular propaganda of western and eastern media houses (read business houses), then it must be funded by ISPR and ISI. Well, as per this movie goes, CIA and ISI are working hands-in-hands, collaborating on missions from decades. Why would ISPR fund such an idea which could go against popular anti-american sentiment in Pakistan?

The movie is in the backdrop of American invasion of Afghanistan and how corporations and capitalism then fuels the length of a war which once started from mere social conflicts (or it was for mineral resources at the first place?). Obviously, no nation can afford to fight for decades if there is nothing to be gained. Everything from background music, acting, cinematography, direction, script is super good and even after watching the movie you will have to struggle to find holes in it. The movie brings you an experience, it’s story-telling in it’s purest form.

Acting-wise, I was a fan of Ayub Khoso but this performance actually made me find his Facebook page to like it. Shaan is as brilliant as in every movie, he blends in so-well with his character that it almost looks natural for him. I particularly liked the character of Nathan, very strong indeed!

You need to watch this movie if you understand and praise standards of cinematography, strong plot, best acting and an overall better cinematic experience.

ہم ناچیں تو مجرا اور وہ ناچیں تو ڈسکو

میڈیا کی طاقت کا اندازہ آج کل بلاگ لکھنے والے یا سوشل میڈیا پر متحرک لوگ آرام سے لگا سکتے ہیں۔ مثال کے طور پر اگر میرے بلاگ یا فیس بک پیج کو دس ہزار لوگ فولو کرتے ہیں اور کسی دن میرا کوئی ایشو اچھالنے کو دل کر تو لاکھ دو لاکھ لوگوں تک اپنی بات پہنچانا تو کوئی مسلئہ ہی نہیں ہے اور اگر یہی میرے پاس پیسے ہوں، آزادئ صحافت نام کا ڈنڈا ہو تواس “آزاد” ملک میں مجھے کون روکنے والا ہے؟

مجھے آج تک اچھی طرح یاد ہے، یونی ورسٹی کے آ خری دن تھے، ہمارے فلیٹ کے فرش پر پڑا ایک پرانا مانیٹر ٹی وی کا کام دیتا تھا۔ تبھی لال مسجد کا واقعہ ہوا تھا۔ میں ٹہرا ازلی اخباروں کوچاٹنے والا لیکن وہ پہلا موقع تھا کہ میں روز ٹی وی کے آگے کھڑے ہو کے سوچتا تھا کہ یہ جیو کر کیا رہا ہے؟ وہ پہلا ایشو تھا جو انہوں نے اٹھایا اور اس کے بعد کیسی انارکی پھیلی وہ کسی سے ڈھکی چھپی نہیں۔ یہی کامران خان سارا دن یہ ہو گیا وہ ہوگیا، فوج آ گئی حملہ ہو گیا۔ مجھے آج تک یقین ہے کہ ایسا کبھی نہ ہوتا اگر صرف اکیلا جیو نہ ہوتا، وہ کوئی ایسا بڑا مسئلہ نہیں تھا جو بات کرنے سے حل نہیں ہو سکتا تھا۔ اس کے بعد ایک کے بعد ایک ۔۔ دنیا میں اپنی زمہ داری سمبھالنے ک پرچار کرنا اسی چینل زمہ ٹھہرا، چاہے دوسروں کی ایجنسیاں کھلم کھلا ہماری سڑکوں پہ ہمارا ہی خون بہاتی رہیں لیکن اگر ہم اپنے تحفظ کے لیے کسی پر پابندی بھی لگا دیں تو “ٓآزادئ صحافت” اور “جمہوریت” جیسی سرمایہ دارانہ نظام کی چیلاوں کو غش پڑ جاتا ہے۔ یہی زبان بی بی سی کی ہے اور یہی سی این این اور فاکس نیوز کی لیکن چلو ان کا دکھ تو سمجھ میں آتا ہے۔ اپنے ملکوں میں تو ان کی آزادئ صحافت کا یہ حال ہے کہ کیری کیچر بنانا تو دور کی بات، پارلیمنٹ کی کمیٹیوں کے اجلاسوں تک یہ قومی مفاد کے نام پر “میڈیا بلیک آوٹ” لگا دیتے ہیں اور پھر کسی کی مجال جو خلاف ورزی کر کے دکھائےاورہمارے یہاں کی نیشنل اور سب سے بڑی خفیہ ایجنسی کا سربراہ بھی کسی “بلیک آوٹ” کی زد میں نہیں آتا۔ 

بات تو وہی ہے کہ ہم ناچیں تو مجرا اور وہ ناچیں تو ڈسکو۔ ۔ ۔

Popcorn Time: The Easiest and Safest Way to Watch Free Movies Online

Popcorn Time is back! It’s the nightmare of everyone related to media and a dream come true for every movie-goer and Internet buff. We all have been there and done that! Today, even if someone only knows how to log-in to Facebook and post statuses, the second thing he/she would know is how to search and download movies from torrents. Once, the space was reserved for that so-called “computer kid” at home but now everyone knows how to do that but then as the speed of Internet is changing and even in countries like Pakistan the minimum standard speed at home DSL is 4Mb, now instead of downloading songs (read illegal downloads), we are fond of apps such as SoundCloud and Dhingana (R.I.P for Dhingana).

Likewise, in this day and age, downloading movies should have been a thing of the past but the beauty of torrents is that: No one hosts them, they are all decentrelized, it’s peer-2-peer download which means, I host 2mb of Frozen on my computer and someone else in Australia has 500Kb of next bit then someone in Somalia is hosting 1Mb and then 2Mb in India and so on.. That allows the torrents to circumvent the furious media industry and courts as they can’t just go and shut the server hosting illegal content.

Luckily, there is a new open-source program called Popcorn Time. It now allows you to “stream” torrent movies, which means you don’t have to download them, you can just open the software, search or click on a movie, it will start buffering and your movie will play! I have tested on my Mac, it works well and highly recommended (I don’t recommend watching or downloading illegal content, please use the software on your own risk!).

Due to the nature of software, it will keep appearing on website for mostly a maximum of couple of weeks before the authorities will pull it off but as the software is open source (it’s full source code is based on NodeJS and is easily available on GitHub) and as instead of relying on a main streaming server, it relies on distributed torrent files, it will keep on working once you have downloaded it.

But for now, grab it before it disappears again..

Download Popcorn Time:


Here are the screenshots:


Main screen of Popcorn Time

1st Step: Main screen of Popcorn Time – A list of movies to watch


Details screen of a movie on Popcorn Time

2nd Step: Details screen of a movie on Popcorn Time


Movie is buffering in Popcorn Time

3rd Step: Movie is buffering in Popcorn Time


4th and Final step: Movie is Playing in Popcorn Time

4th and Final step: Movie is Playing in Popcorn Time






Why Good Programmers are like Gold-Dust?

I was attending a conference last month in London, question was with regards to Engineering and panel member said “good engineering people are like gold-dust”. I am an engineer by trade, have worked in a financial services company at the heart of London and later-on became the driving force behind many consumer and B2B applications but still at a time, my first university was about to kick-me out because I was not interested in grasping the courses which were not of my interest. I reluctantly turned back and used the same systems to pass those courses which were used by other student in my class (rote, cheating), just to study those course which were of my interest. This led me to question the “gold dust” equation and role of what education system is today!

The In-take

The problem starts from in-take of Undergrad batches. Let’s take Computer Engineering intake, in most universities, nobody asks a student why you want admission in Engineering discipline? Maybe Computer Science is right for you, why don’t you go there? Or, your entrance exam shows that your skills are more theoretical rather than analytical, have you thought about taking an Arts related degree? While, many high-end schools and colleges around the world ask this question and interviews are mandatory but when we talk about more mainstream universities in countries like Pakistan, the idea is to fill more seats or emphasis is on the marks you get in your secondary and higher secondary schools (which are again based more on rote based studies rather than filling student with necessary tools which he would desperately need in University and real world. That’s another debate and I will leave that here..).

Let Us C

Why we need a full 3 and half months course to teach “Let Us C”? Why can’t we just do that whole thing in one week? Not everyone is a programmer by default, if you tried to counsel the prospective student at in-take stage, you would not need to worry much about the background and grasp of students in your class. The whole basic programming resolves around 6 or 7 basic tools (variables, loops, arrays etc.) you teach them, give them couple of exercise to do and then take couple of hands-on labs, show them how to pass from blue screen to a calculator, all done within a week and in next week you can do polymorphism, abstract classes, inheritance etc. (these all are more theoretical concepts, if the base is right then these come as logical steps and a teacher need not to worry too much about it, yes, you will worry if your in-take is not right but if your class is on-par with basic tools and have done a calculator in your first week, they will be a pro in object oriented programming within second week – approximately 18 hours later and it’s all what is required to teach programming to someone who is really interested in this subject. If someone is not, you can go on to teach him for next 4 years and he will come out of university thinking “aliens do programming, I can’t understand a word of it”).

Now, I have heard about this approach in some universities, they will emphasise on one course for couple of weeks or a month, finish it and then start the second. I am not arguing anything about the duration. If a course is requires 4 months mandatory class then it should be given but what is it you are teaching in those 4 months? Whatever it is, it shouldn’t be a wastage of time.

The Professional Studies Architecture

The study architecture should be based on developing base for a student which most curriculums do, like in first 4 semesters (that’s 2 years) we studied Calculus-I to III, Discreet Maths, Ordinary Differential Equations, Signals & Systems and several electronics courses. I am sure those courses were of some importance if I had not taken the road to be a Web Developer and then an App Developer and then finding myself running a software house and then ditching everything for online travel industry. However, I am pretty used to of taking a spin on everything, be it Image Processing, Machine Learning, Human Language Processing etc. and yes at very deep level I had to work around some equations but I am still waiting to see when those advance Fourier transforms or triple integrations will come to my aid. Those courses surely have opened my mind, given me necessary critical thinking skills which were lacking from schooling background but I take it as side-advantage rather than intended advantage of studying these courses.

Now, some will argue that a course is designed for everyone and for all fields and it’s up to the student to decide where to go. That is exactly my point: Why we design and teach everything to everyone? Why can’t we design courses and speed-up the processes? I have taken interviews of engineering students, they come equipped with A-grades in Calculus, Communications Systems and all the way up to System on Chip but they struggle while understanding what an object is?. I in fact hired couple of such students thinking they have 3+ GPA and grasping OOP should be a night’s work for them but guess what, after giving them at least 3 or 4 lectures and repeated work of same nature for at least 6 months, they were still struggling with basic concepts. They still didn’t knew what polymorphism is and why we use OOP at first place!

All of this has led me to question very basic system of University education.

Absent Skills vs Present Skills

Why don’t we teach:

  • Analytical Reasoning
  • Critical Thinking
  • Self-motivation
  • Ability to question everything

Rather than teaching everything above Calculus-I, Electronics-I and basic introduction to Programming and OOP. Even in Computer Science side of things why we need Compiler Construction for example or why we study Assembly language in Advanced DLD? Who needs them? Maybe those who built companies like Oculus and Deep Mind? Or may be the guys who are responsible for world’s fastest search algorithms at Google? Or may be the guys at helm of Facebook’s face recognition technology? Do you really think each of 200 students you are taking as an in-take in an Undergrad course at COMSATS will be able to work at all those technologies or will build one of those? My class went to all types of fields, industry automation, telecommunication, game programming, apps and even software QA. Couple of guys from my junior class are working for Intel, maybe writing algorithms for their next-gen 4g technologies but do we really think that 2 out of 1000 is the success story of our education system? Do we not think that we have failed at least 600 out of 1000? Do we not think that we lack all the soft skills for our jobs and possess and struggle and waste our time for 4 years on acquiring skills most of which are irrelevant to current job market?

The Solution as it should be

Do we not think that with proper guidance and with proper short base we can grow a system where a student would spend a maximum of 1 year in the class and may be a year as an apprentice before going full-fledge behind what he really wants to become. If he thinks that most local jobs are of iOS and Android devs (current market) then he could go there or human language processing or machine learning side. Maybe 6 months more theory would be required for churning out a students who would have experience, will and skills to assist the today’s industry. Maybe, Universities should have CTOs from local companies onboard, curriculums should be devised in presence of these CTOs and once every 3 months one of these CTOs should attend classes to see what’s going on. As I understand, that’s the only way we can convert gold-dust into plenty-of-skilled-workforce to gain momentum in innovation and to bring in those techno-dollars.

We have found Malaysia Airlines MH370 in Pakistan

Malaysian MH370 found in Pakistan

Malaysia MH370 found in Pakistan

It’s a norm now, every thing whatever and wherever it happens in the world, it’s a work of some long-beard, bald headed Pakistani! Western media is so sanitised in itself that it wouldn’t even know about thousands of rape cases every year in USA, NSA spying on nearly every citizen of world effectively listening to every conversation we make everyday! but.. yes, human rights violations only exist in poor countries where there is some value, be it oil, be it natural gas, be it keeping eye on your super power status competition. Everything is alright under your noses. Problem is only where you want to look!

What I am not able to understand and nearly everyone is asking this question on Facebook and Twitter, we live in a digital space where NSA is used to of spreading malware through Facebook and still we are not able to track one of the biggest planes on earth? How a plane of the size of Boeing 777 carrying 239 passengers could cross Vietnam, Thailand, Myanmar and India to only land in Pakistan? What were military radars of these countries doing? Can a airliner cross a territory without permission? Do you really think it’s that easy or somebody is fuelling you dollars to say that?

It wouldn’t take you more than a few Google searches to know how aviation radars work? There are primarily 5 types of communication mechanisms which a commercial airliner can use during the flight.

  1. Primary Radars: Mostly used all over the world, even the tiniest and poorest countries in the world have these radars for military purposes. Nothing goes off it’s eyes. It relies on sending electromagnetic waves which then bounce back from any object at a certain altitude and let the people at the base know that some object is flying. That object can then be traced and it’s speed and altitude can be monitored. Air Forces all over the world use these radars to keep an eye on their airspace, any unidentified aircrafts are immediately asked for their intentions, if there is no answer then these Air Forces are allowed to use their multi-million dollar F-16s to tackle the flying object in air. Ironically, MH370 passed 5 countries military radars and tackling aside even none of these countries came up and said “oh yes, we had an unidentified object in our airspace during that time”.
  2. Secondary Radar: It’s the primary method of communication between air traffic controllers and flying planes. Just like military radars, ATCs (Air Traffic Controllers) are tasked to keep an eye on airspace of their region, no commercial plane could pass without identifying themselves first to ATC of that area. These radars also send electromagnetic waves but instead of returning blindly, these waves are then picked up by the transponder of aircraft and a reply is then sent back to ATC identifying the plane. We know now that someone inside the plane delibrately switched of the transponder, so, that means radar was identifying an object but plane was not identifying itself but obvious question is.. a plane was not identifying and ATCs of 5 countries did not do anything?
  3. ADC-B: It’s a new type of equipment which is now coming installed in most aircrafts. Most flight tracking sites such as Flightradar24 uses this equipment to track and plot planes on the map. Everyone can track a flight through these websites or can own a USB-stick for worth $25 and you can then see planes passing your area. Flightradar24 actually picked up planes location and then MH370s transponder suddenly went off the radar. Let’s say someone switched that one off as well.
  4. ACARS: It’s also called pilot communication, it’s sort of SMS service between airline and it’s pilots. The ACARS is subject of most speculation in the case of MH370, this communication system continued to send pings (just a method of telling another server that I am alive) to the satellites, which led experts to believe that MH370 never crashed immediately. It continued to fly for 5 hours more than initially thought and this is what has given the idea that plane is might be in Pakistan (because Pakistan is in that diameter of 5 hour flight from last known point, along with several other countries?)
  5. GPS: Yes, we all do have GPS in our pockets now and we can upload a place on Facebook which could track us back with the accuracy of milli meters, yet most commercial airlines use this technology just like we use it in our cars, to navigate! GPS system installed in Malaysia Airline MH370 was not equipped to send airliner location back to the base.

With all that explained, once again, channels like Fox News and people like Rupert Mudroch are supposed to be most informed but perhaps the scandal of News of the World and subsequent closure of newspaper tell us something, yellow journalism can earn you some dollars but you are never going to get any any respect and your words effectively become hollow over the time.


Local apps and dilemma of Pakistani Android market

Recently, we were approached by mobile Internet department of a major Pakistani telecom player. They were looking for developers which could develop targeted apps for Pakistani users. The reason behind is simple; 3G is just around the corner, sooner or later, telcos will have to launch 3G services, and as a matter of fact, they will not spend money on old and out-dated 3G technology, the licenses on offer include 4G spectrum and we will see service offerings of HSDPA and LTE. These services are known for fast Internet speed, nothing else. You don’t need 3G or 4G for sending SMS or making a phone call. This essentially means that telcos will be spending huge infrastructure money on making high speed Internet accessible for everyone. This also means that primary return on investment will come when users will be actively involved in using data intensive applications and always on – will have a true meaning, watching Youtube videos while riding your school bus will go mainstream!

We are primarily focused on International market of course as our parent company is in UK and most of our apps are iOS based and targeted towards US or European customer base but again we took a chance and spent our month of Ramadan in developing a religious content app with the intention to validate Pakistani apps market. There are few interesting stats we collected on the way. I will list them down here first:

    1. As anybody would guess, Android is the key player here and 70% to 80% smartphones here belong to Android.
    2. The explosion of Android belongs to local (read Chinese) players, such as QMobile, Samsung is on 2nd or maybe even at 3rd place now.
    3. Unofficial statement from QMobile says that they now sell 150,000 Android smartphones a month while market sources say that this number is around 50,000. This is a single brand number and is huge in both cases!
    4. There are a few local apps developed by local indie developers (you can easily guess that they are indie by looking at icons or content of the apps). Download numbers of such few apps are in literally millions, regardless of their quality.
    5. Compared to iOS, Android users are quick to download and subsequently uninstall the app provided if they don’t like it. A major reason of that was memory issue, prior to QMobile, the key smartphone in this market was Samsung Galaxy Y with only 50Mb of free memory, that means you can blow your entire memory in 10-15 apps and can’t download the likes of Facebook app which on average take 32Mb space. However, with advanced phones, this issue is now going away and you can forget about this in 6 months from now.
    6. Another issue is of Android version number which is now going away as well, most phones now run on 4.0 and above.
    7. There is a huge Pakistani diaspora, they need same local apps in some cases, they are always connected, mostly using Samsung S3 or S4 and because they reside in Saudi Arabia, UAE, UK and USA, you can make better money by serving banner ads to them.
    8. Our app is on 31st spot in Audio and Music category with average 200 installs per day which implies that 20th ranked in Top Free is attracting at least 3000-5000 installs per day.
    9. As per my own estimation, we won’t take 2016 to replace feature phone market with smartphones, we will do it much earlier. Most of Nokia N series and E series users will go on Android as soon as next year.

There is obviously a problem of Monetzation here (which is why we don’t see much investment in this sector), however there are few options now available. We are using AdMob, luckily our Islamic religious content is also valid in India and let’s say if it take 1000 Indian banner impressions to make $1 then with Pakistani banner impressions you will need at least 2000 users to make same amount of money.

Keeping all these stats in perspective and looking at our own success, I looked at Top Free Charts on Google Play store; the easiest way to enter in a market is to look at trends of that market, what people are downloading? is the very first and most important question to ask. Google Play store works on IP and if you are in Pakistan, you will automatically see Top Charts of Pakistan or you will need to use proxy with a Pakistani IP to see these charts (maybe use distimo or appannie for same purpose?)


For detailed please visit https://play.google.com/store/apps/collection/topselling_free from a Pakistani IP (or proxy)

For detailed please visit https://play.google.com/store/apps/collection/topselling_free from a Pakistani IP (or proxy)

There is only one trend to spot. Yes, there is a Quran Android app, a dictionary app, local maps app, songs app but as you scroll down, you start spotting what’s in majority here, Sex! .. Slightly disturbing but I am old enough to know the cause of it. It was same in Pre-Facebook (or should I say Pre-Orkut) era. There was no Youtube, no websites to download songs, mIRC and MSN were primary source of communication and rest was the same as you see in Google Play store today. Today, all of us are broadband users (no need to dial a line with noisy modem just to get 2Kb of speed), we have better access to education, many of us now watch US television drama seasons, many of us watch movies and biographies of Steve Jobs, people from Plan9 present their startup accelerator in every university of Punjab, there is a TiE cup happening with a top prize of 1 million Pakistani Rupee, so, why our apps market which is expanding at a rate of at least 200,000 local customers per month, is living in dark ages of 1999 and 2000?

There is a very simple answer to above question: Lack of local apps! Majority new users are first time smartphone users, they certainly need to know more productive use of their phones. We need to find ideas (which are in abundance, there is an app for nothing in Pakistan’s case) and then work to develop them. At this moment, in my experience, you don’t need to go all out and spend 6 months on developing something, just make a 3 activity app, upload it, see the traction, if organic downloads are more than 100 a day, bingo! Go for updates. Ideally, this number should be 200 a day as that is where it will start making sense and you will be able to spend money on a designer and a few rupee on marketing, continue doing this and in the process you will see a big enough idea and big enough user base to capitalize on!

What is Plan9 of PITB?

Good question! You must have heard about Plan9 through a friend or an email on your university’s email list or through Facebook. Here I will explain what it really is without using the buzz words like “innovation, passion, initiative, groundbreaking etc. etc.” and with using but explaining buzz words like “incubator, startup, launchpad, mentor network etc. etc.”
Sit tight and buckle up because I am really going to tell you a recipe of making a few million dollars in few years so, please ensure that you read this blog and don’t check your facebook or youtube during this time .. Well, technically if you do check then probably this Plan9 is not for you!

Question: So, what is Plan9?

A: Plan9 is a program of PITB (Punjab Information Technology Board) in which they take teams which are actually trying to solve a problem through technology. Then:

  • They give you office space (working environment) on 9th floor of posh new Arfa Software Technology Park, Lahore.
  • They will give Rs.20,000/month stipend to each team member to cover your day to day expenses such as your bike’s fuel, food, ticket to the concert etc.
  • Office space will have shared Internet, Telephone, Printers, Copier your personal desks and PITB will also allot you laptops/computers (I will advise to bring your own laptops as I know you won’t be sleeping well during nights)
  • They will help you to incorporate your company and protect your intellectual property rights (legal advise), help will be available to manage your Human Resource (you will need this while managing your team), marketing (you will need a marketing plan and campaign to attract customers/users), branding and other similar time consuming but essential tasks.
  • They will give you access to Pakistani (or foreign) advisors (and trust me when I am saying this) who have made or are making millions of dollars every month through tech businesses, these people will give you advise on how to solve the problem and how to make a bigger company and how to make your few million dollars by selling your shares in the company.
  • PITB will take an intake of 15 teams in each term (each term will be of 6 months), 5 of those who qualify (they get their amazing product ready in 5 months) will go to Silicon Valley in California, USA to participate in another similar program for another 1 month (I will explain all of this below).

Question: How 'solving a problem through technology' can be of worth few million dollars?

A: Again a very good question. Do you know who these are?:
  • Google
  • Hotmail
  • Facebook
  • Angry birds

They all solved a problem initially and they are still solving that problem, in fact they grown so big that they made billions not millions and actually they were and are just solving a problem. Let’s analyse them:

  • Google: It’s 1995. My name is Larry Page and I am a doctoral (PhD) student in Stanford University and my area of research will be human-computer interaction, Internet has 10 million pages by now but search engines are not very efficient, together with my friend, Sergey Brin, who is excellent in mathematics I will do my thesis on counting the number of links between different web pages, then prioritizing them on the basis of “PageRank” which will allow me to see important and most cited research work first and weak research work at bottom. 15 years later, my company’s worth will be $247 billion.
  • Hotmail: It’s 1996. My name is Sabeer Bhatia, an indian immigrant in USA. Today, everyone has their own email addresses but they have to pay their ISPs to have them (imagine if someone asks you to pay PTCL for an email address!). The Internet is rising and I can browse everything through my browser window, one day while driving back home I got struck with an idea to have a browser based email service which will be accessible to everyone everywhere and it will be totally free. I called my friend Jack Smith, together we took an office, asked an investor for some money, hired a team, built the service and few months later we will sell Hotmail to Microsoft in exchange of $400 million.
  • Facebook: It’s 2003. My name is Mark Zuckerberg and I am a cheeky student of Harvard University. I have an idea to develop an online directory of my university’s students, I want to see their photos, their relationship statuses and their interests, then I want to send them a message and ask if any of those would want to go for coffee. I will make such a directory with the name of Facebook and 9 years later, in 2012, it will have 955 million users and it will be valued at $95 billion. (You need to watch “The Social Network” movie if you havn’t still!)
  • Angry Birds: It’s 2009. I run a Finnish company called Rovio. iPhone is 2 years old now and everyone is making iPhone games and making millions of dollars (apparently) but so far we have made and published 104 titles and millions are no where to be seen, we are making a game called ‘Angry Birds’ which will be simple, low cost but highly addictive, this is our last bid. Total downloads for Angry Birds will be a billion times on all platforms and in 2012 my company’s worth will be $6 billion.

Intrigued? All of these started by an idea, that idea wasn’t very unique, there were search engines before Google, there were email services before Hotmail, there were social networks before Facbeook and there were iOS games before Angry Birds. These ideas were executed by right people, at a right place, at a right time, with right kind of money, with right kind of resources available. If Sabeer Bhatia remained in Bangalore or Mark Zuckerberg was a student in Estonia .. well.. you never know but hitting that kind of success would have been far fetched. Initial funding in Hotmail was $2,50,000 .. you can think of sitting in front of your own computer and writing a script for mail server but that can’t be Hotmail, you can bring up a prototype but can’t go on to the scale of Hotmail – take your prototype to Plan9 and they will take you further! (not of another mail server, well yes if it’s unique and solving a problem which is not already solved by someone else)

Story: My Idea busted!

An example of what type of problems I spotted and was thinking of solving:

  • It’s 2009. I am sitting in waiting lounge of Heathrow Airport. There is a shop of branded sunglasses, I always liked Ray Ban’s Aviator but they do not look good on my face plus they are expensive. Whenever I go in that shop, a sales girl will come and stand literally on my head, I am a geek, I want to try all of these sunglasses to see which one look good on my face but at the same time I am not comfortable talking to a sales girl who is trying to pull £100 out of my pocket .. hmm .. what I should do? I look at my iPhone – why don’t I write an app (or for computer using a webcam) which will fit all sunglasses on my eyes when I turn the camera on and then I can go and buy those sunglasses or order them online!
    It’s 2012. I never had resources then plus technically that idea was a bit difficult, technology changes very rapidly, recent advances shown me a way – iPhone 4 just came with a front facing camera and improved processing speed. I figured out how to get money and do this thing, one last time I will go to app store and will try to find if somebody already have made this app: I found one Eyewear Try-on, a basic app but serves the purpose, my idea is gone, somebody better than me just uploaded it in July, 2012. What should I do? I am already on the next idea!
This idea stage is very important, some say ‘ideas are dime a dozen’, they are right but idea stage still remain important. Remember the movie “Inception” – “the smallest seed of an idea can grow and destroy you” – in our case it makes you a millionaire!

Question: I spotted a problem and now I have a technical solution for it, what should I do?

A: If you are solving a problem through technology and if it’s Internet based, you have to be:

  • at right place
  • with right kind of advisors
  • with right kind of money
  • at right time

and the answer is:

  • Silicon Valley in USA is the right place where Plan9 will take you for free
  • Plan9 will give you access to right advisors
  • Plan9 will give you stipend while you make your prototype and then will introduce to potential investors
  • and time is now!

Question: So, why do I need only an Internet or mobile technology based idea?

A: No, if you possess the right skillset and have cracked the code to build a gesture control TV or have made a graphene based Microprocessor, consider yourself a game! but if you want to open up a cafe or world’s fastest ship breaking yard then Plan9 is not for you.
Internet or mobile technology based ideas mostly have limitless growth, which means if you are doing an Android mobile app for a new kind of “to-do notes” then you have access to a market in which Android is unlocking 1.2 million devices a week! For Internet, add a few more millions to that number. In physical world, accessing this kind of scale in few years is far fetched. (However, please consult with PITB or Plan9 team, technology has very vast meanings but yes, Internet and mobile technology based ideas are right thing to do in Plan9).

Question: I read the word startup in Plan9 advertisement, What's a startup?

A: A startup is a setup in which you search for a profitable business model (it can be not-for-profit as well but in Plan9 we are talking about money!). Startup is not a smaller version of a bigger company, you can’t compare Coca-Cola with a startup, Coca-Cola already has a proven profitable business model while as I explained above (see Story: My idea busted!), I had an idea to wear sunglasses on camera and see which one suits me, now it was just an idea, the next step would be to find a business model on which this problem solving idea will make money, next steps can be:

  • I will find a seed investor or fund it myself
  • I will get office space
  • hire a team
  • start engineering
  • meanwhile I will do my market research on buying habits of people who wear sunglasses
  • best bid in this case would be to talk with Ray Ban, Gucci, Parada and ask if they will allow me to use their frames and then I will sale those frames as part of my frame testing app
  • I will start doing some sales
  • based on those sales I will make a business growth plan and a marketing plan
  • then I will pitch to investors to get some more money because I know many people will try to copy this idea as soon as I launch so I need to grow fast to avoid competition plus I will be stupid to think that Ray Ban will seriously listen to Hammad Tariq from Lahore, however, they may listen to James Caan of London (don’t know him? Google him .. no not the actor, I am talking about the Entrepreneur)
  • if my idea is good, growth plan is good and I get enough money I will make millions soon enough!
Now you probably know what I am talking about, again:

Startup = Growth – Exponential Growth not slow growth, if you open a corner grocery shop – you can’t call that a startup, it’s a business based on a proven business model plus it’s reach will be very local, it can’t have exponential growth – a startup is exact opposite of that!

This is what Plan9 would be doing

  • Plan9 gives you office space
  • You bring team and idea
  • Plan9 gives you stipend while you make a prototype
  • You do hardwork to find a growth model
  • Plan9 will give you access to advisors and will introduce you to investors
  • You do the sales and make millions

Question: What is a mentor network then?

A: Simple, a mentor is an advisor who ran a similar startup successfully, he was there, done that type of guy, he know the good things to do and the bad things to do… he can help you to make your idea better, he already know investors, how to reach them and how to talk to them. He already know how to spread the word around and generally is the one who has an answer of your every question or he will refer you to another mentor, a mentor connected to another mentor – a mentor network!

These guys are usually super busy and don’t talk to everyone because lot of people approach them daily with their ideas – beauty of Plan9? These guys are sitting there just for you – waiting for you to come and talk to them!

Question: and what is a LaunchPad?

A: “Launch Pad” – it’s an event organized by P@SHA (Pakistan Software Houses Association) in collaboration with PITB and in this event you will give a presentation about your idea, mentors will ask you questions, if you are successful then you will be selected for Plan9 program and off you go!

Question: What is an Incubator?

A: Alright, an Incubator is basically the office space and controlled working environment you get while your are building your idea. In Plan9, you have to be present 9 to 5 each working day of the week (in ASTP), you will have a fabulous working environment as many teams will be working with you, you will be able to share your ideas, see each other’s code, solve problems, hardware guys talking to software guys, mentors giving advise – you are in an incubator and getting ready to face the world! After six months Plan9 expects you to be a big boy, go out in real world, rent an office space and execute your new business model from there.

Question: What is a pitch then?

A: Another word for presentation, except in presentation you present your idea in form of power point slides or something, but pitch is something which you can give verbally to anyone standing anywhere – something you can tell to someone in one or few sentences and it will explain all of your idea and big picture, for example: “I am thinking of making an app which will allow you to try and wear virtual sunglasses using camera and then you will be able to order those sunglasses online”, now that’s a pitch!
However, when you will be giving pitch to Plan9 board members, you will have to dish out a little more information such as: why you are best suited to solve this problem, who are your competitors, what are your plans about making money etc. But don’t worry, just come along as Plan9 team will spend a whole day with you just to polish your pitch! So, you actually get mentors (read advisors) even before your pitch, a real opportunity to get yourself out there!

Question: I heard about free ride to Silicon Valley, where is it?

Silicon Valley is an area in California, USA where most of the tech companies were formed or have offices. Apple, Google, Facebook, Dropbox, Microsoft, Oracle .. they are all there plus a few thousand more! Today, technical enthusiasts from all over the world go to this place, it has a perfect eco-system in which you meet investors, engineers, entrepreneurs, lawyers, buyers and sellers! That is the place to be if you want to be on the level of Google, Hotmail, Facebook and even Angry Birds, after Plan9 if you will be able to woo an investor based in Silicon Valley and launch your idea there, most probably you are already on the way up!

Question: Who is an Entrepreneur then?

A: If you can spot problems and then you think about solving them and then you even think about executing that solution, you are an Entrepreneur! An Enterpreneur usually fill gaps in the market through solving a problem and through bringing new products to new markets.
If you ask me, I will say Entrepreneur is a person accustomed of seeing dreams during the day! This guy don’t think rationally, this guy risk it all or have nothing to loose and this guy wants to live his life on his own terms, this guy swim against the tide .. this guy is stupid .. the question is: are you that guy??

Question: What if I pitch my idea to Plan9 and then someone copies it before me?

Plan9 gives you some level of legal protection, however, consider these:
  • If you have an idea which people will be able to copy easily, just don’t do it, hop on to another!
  • Success is measured when others start following you, a startup is always at risk, that’s why you need money – a lot of money and access to right set of advisors to grow fast and kill the competition!
  • My idea is my passion, that was a problem which I faced, then I thought of a solution and looked at 100 possible ways to solve the problem, during that research I learned a lot about problem itself and I came in contact with many people who will later help me in building and selling the product! Read my Eyewear Try-on idea above (Story: My idea busted!)? I just given you a concept and while pitching to Plan9 board members I may let them know that I have a Masters degree in Embedded Digital Systems, I am running a company which make cross platform mobile apps and I have access to a computer vision research group in my mother institute which will help me in building the idea but did I told you these:
    – To find eyes in a live image, I will have to first detect eyes then find their middle and then I will guess the area around eyes to fit a frame on.
    – When the user turn his face side-ways (we always do when trying something on), we can not detect the exact measurements and as for the current state of technology, it is very hard, right now as we speak there are multiple researchers in multiple universities who are doing their PhDs on exact same concept and even if there is a solution, it will be very expensive (to hire that PhD and plead to give his research to us) Solution: build the prototype first and then if it’s successful, research and invest if we will be able to detect side-way view as well.

Alright, I just told you 2 points from my treasure of 100, now consider this: You came to a LaunchPad event, you heard my 10 points pitch, went back home and successfully replicated all of it? Are you serious? You will have to have right set of skills for that! An idea is my baby, when it bites me I can’t sleep, the person who is trying to copy .. is just a copier :-)

  • The problem you faced is never unique, there maybe millions of people who go through that every day (think of someone who like to find perfect sunglasses for himself but can’t stand sales girls or guys), 5 of these millions must have thought of the same solution I thought and 1 of them actually started executing that, when I was placed squarely to solve the problem, I did my research the last time and there was this guy, already launched! You know? You are never unique, your capability to move quickly is unique! What about me? I came up with another idea the next day because that previous idea taught me a lot about image processing and approaching problems, simple isn’t it?

Question: Will PITB or mentors will ask for stake in my startup?

A: No, PITB is a Government organisation, a Government’s primary job is to make policies and promote culture which will help citizens live a better life. Governments already have millions of dollars, they don’t need to take part in your business. For Plan9, mentors are moved by passion of participants and they don’t charge anything in return, basically there is no catch in this program.
However, consider this: There is a mentor who share your passion, believe on the idea and his involvement helped you in shaping the idea, his input is now more than 10-20% and you yourself feel that you need this guy onboard with you not just for Plan9 but even after that, then on mutual consensus you agree to give him a stake, that will be between you and the mentor, nothing to do with PITB or Plan9.

Question: I understand all of this now, I have a wonderful idea, I Googled it but there is nothing like this already and I think this can go on a global scale and I can earn millions, what should I do now?

A: Just go to plan9.pitb.gov.pk, click Apply, they will ask two questions:

  • Which problem you want to solve through technology?
  • Why do you think you are the right person to solve this problem?
They have LaunchPad dates on the website, apply in your choosen city, they will shortlist the ideas and will call you to give a pitch… mentors will first advise and then grill you.. if you pass you will go into incubation program.. keep working hard and you will be in Silicon Valley giving pitches to investors, you will get money and then you ….

If you have any questions, post below or find me on Twitter, the address is http://twitter.com/hammadtariq