ZTBL Islamabad invites bids for the procurement of an Internet Banking Web Portal and Mobile Banking App under IT Software & Licenses category. This tender is issued by Zarai Taraqiati Bank Limited (ZTBL), a premier financial institution dedicated to supporting Pakistan's agriculture sector through innovative financial services. The scope includes delivery, implementation, configuration, and integration of a comprehensive digital banking solution with a three-year SLA support. The solution must comply with SBP regulations and include features such as digital onboarding, multi-factor authentication, biometric verification, Raast integration, card and beneficiary management, complaint handling, and third-party fintech integrations. The system must be PCI-SSF ISO 27001 certified and adhere to OWASP security standards. Delivery and go-live are expected within six months from the purchase order date, with penalties applicable for delays. Bidders must meet stringent eligibility criteria including prior experience implementing mobile and internet banking solutions in at least two Pakistani financial institutions, valid authorization from OEMs, and compliance with FBR Active Taxpayers List. The bid validity is 120 days, and a bid security of PKR 1,000,000 in the form of CDR/PO/Banker cheque is mandatory. The contract includes a 10% performance guarantee and no advance payment will be made. Submission deadline is on 12th February 2026 at 11:00 AM via the PPRA EPAD System, with bid opening at 11:30 AM the same day at ZTBL Head Office Islamabad. Original bid security and affidavits must be delivered physically before the closing date. The contract period is three years with possible extension on mutual consent. Pro-Tip: Ensure your bid includes all required documents including OEM authorization, audited financial statements, and a detailed project plan. Pay special attention to the security compliance requirements and the SLA terms, as these are critical evaluation factors. Also, verify that your bid security is submitted in the correct form and delivered on time to avoid disqualification.