ISLAMABAD: A survey conducted by Gallup Pakistan said that about 86 per cent of Pakistanis prefer carrying out face to face monetary transactions for ensured receipt of money. It also said that only 14 per cent of the surveyed population disagreed with the statement. Others were quoted as saying, “When paying for goods or services, it is better to do it face to face to make sure that the money has been received.” A nationally representative sample of men and women from across the four provinces was asked, “Please tell me if you rather agree or rather disagree with these statements? [When paying for goods or services, it is better to do it face-to-face so as to be certain that the money has been received],” a press release noted. Gender breakdown of result revealed that 87 per cent males felt that it was better to carry out monetary transactions on a face to face basis while the same response was given by 84 per cent of the females. Meanwhile, 12 per cent males disagreed with this statement while the same response was given by 16 per cent of the females. A rural/urban breakdown reveals that 86 per cent of the respondents in urban areas and 85 per cent in rural areas agreed that is better to have a face to face transaction when paying for goods and services. This negligible difference between the proportion of urban and rural respondents agreeing with this statement highlights an important aspect of the Pakistani society with regards to the handling of money. Despite there being a considerable disparity in the socio-economic development between the urban and rural areas of Pakistan, the proportion of urban respondents agreeing to this statement is still remarkably high. This seems to show that Pakistanis, regardless of their education or income levels, still are averse to trusting anything other than their own selves when it comes to money and monetary transaction. Finally, 13 per cent in the urban areas disagreed with this statement while the same answer was given by 15 per cent of the respondents in rural areas. Gallup Pakistan, in collaboration with HORUS Development Finance, conducted an extensive survey in over 10,000 households across Pakistan. The primary aim of the study was to determine the extent of financial services being used by Pakistanis as well as to provide insights into the barriers faced by the Pakistani public in accessing formal financial services. The data was released as part of Access to Finance Study 2015. Fieldwork carried out by Gallup Pakistan, the Pakistani affiliate of Gallup International, among a sample of 10,000 households across rural and urban areas of all four provinces of Pakistan, during March 27 – June 12 last year. Error margin is estimated to be approximately ñ 2-3 per cent at 95 per cent confidence level.