AZM Fouz Ullah Chowdhury The writer is a digital finance practitioner. He can be reached at fouzullah@gmail.com One app for all payments Payment Initiation Service (PIS) is a smarter way to make payments directly from a bank account or mobile financial service wallet using a single application. 15 December 2025, 18:42 PM 15 December 2025, 18:42 PM