Small medium enterprises (SMEs) in Pakistan are facing a set of unique external challenges comprised of poor security conditions, undocumented financial operations, and surge in property theft crimes such as cash snatching crimes, burglary, and even robberies. SMEs heavily relay on day-to-day transections that involve cash management operations. However, surge in these crimes have put pressure on SMEs to incorporate new innovative solutions towards their operational management activities. Fintech inclusion in Pakistan presents greater opportunities to SMEs to explore and adapt Fintech-based solutions for their cash management operations. Similarly, Fintech also presents greater opportunity for SMEs to develop technical competencies which aid towards their inclusion in document economy of Pakistan.