KKS.F

Joint Stock Company Kaspi.kz (KKS.F), along with its various subsidiaries, offers a comprehensive range of financial services, primarily delivered via its digital mobile application throughout the Republic of Kazakhstan. The company organizes its extensive operations across three principal platforms: Payments, Marketplace, and Fintech. The Payments Platform serves as a vital connector between individual consumers and businesses (merchants), facilitating effortless cashless and digital financial transactions. This segment also provides the core technological framework necessary for making and receiving payments for goods and services, in addition to enabling money transfers and withdrawals. The Marketplace Platform creates a link between merchants and consumers, thereby helping businesses significantly boost their sales while allowing customers to explore and purchase a wide variety of products and services from numerous sellers. The Fintech Platform empowers users to efficiently manage their personal finances online and access diverse consumer finance and deposit products, predominantly through the specialized Kaspi.kz Super App. Beyond these foundational platforms, Kaspi.kz is also actively involved in various sectors including e-commerce, banking, insurance, and asset management. Its portfolio further extends to real estate, online travel services, and general payment processing solutions. Founded in 2008, the company maintains its headquarters in Almaty, Kazakhstan.