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This study aims to determine the applicability of the placement-layering-integration model of money laundering (ML) in the South Asian context with emphasis on Pakistan by analysing different ML typologies.

This study applied content analysis in the first step. It explored three primary documents concerning ML typologies: Asia Pacific Group’s yearly reports on ML typologies from 2010 to 2021, the mutual evaluation reports and the National Risk Assessment of Pakistan. In the second step, expert interviews were recorded, and NVivo was used for data management and analysis.

This study found primary predicate offences: corruption, tax crimes, smuggling and drug and human trafficking. Pakistani launderers often use traditional typologies, including cash smuggling, round-tripping, multiple bank accounts, investment in real estate (in Pakistan and Dubai) and hawala. However, cybercrimes, cyber laundering and trade-based ML are rising. The politically exposed persons are involved in most of the laundering cases.

Rare studies specifically address the south Asian typologies and the limitations of the placement, layering and integration model. Therefore, there is a need to understand the current typologies used in developing, less regulated and undocumented jurisdictions like Pakistan.

This study acknowledges the existing digital divide in India, particularly for marginalised populations, and highlights the need for exceptional attention to address their unique needs, challenges and demands. Although previous research and policies have primarily focused on physical access and internet skills, this study shifts the focus to the outcomes of internet use. By understanding how older adults in marginalised communities incorporate the internet into their daily routines, this study aims to contribute to the development of an operational framework that charts the disadvantages of the digital divide.

The study draws from Helsper’s (2015) internet outcomes framework to identify the outcomes that older adults can derive from being online. By using a qualitative approach, the study seeks to understand how educational and economic backgrounds influence internet usage among older adults and how this can promote advantageous internet use.

The findings indicate that highly educated individuals are more likely to experience positive outcomes across various societal domains than their less educated counterparts. However, it was observed that the highly educated participants also try to limit the impact of internet use on their personal lives by intentionally disconnecting from the internet whenever possible.

By offering programmes and interventions to encourage internet use and improve digital skills, as well as by enhancing digital accessibility and incentive systems, the government should go forward with its plan to close the outcomes gap in internet use among older adults. For policymakers, it turns the spotlight on creating an environment conducive to the digital inclusion of older adults, consistent with sociocultural structures.

This study contributes to understanding the nuanced dynamics of internet use among older adults, shedding light on the role of educational background and sociocultural factors in shaping internet outcomes. It highlights the need to consider qualitative approaches in digital inequality research to capture the complexities underlying the digital divide.