A leading fintech and e-commerce company in Kazakhstan, and the first technology unicorn in Central Asia. Its super app combines payment services, a marketplace, and financial technologies, radically transforming how millions of people shop, manage finances, and access government and commercial services. The story of Kaspi.kz has been studied in Harvard Business School (HBS) case studies, where the company is highlighted as an example of digital transformation and a scalable business model in emerging markets.
The Kaspi.kz ecosystem includes Kaspi Shop — the country’s largest online marketplace with over 8 million active users, and Kaspi Pay — a digital service for businesses. Kaspi Shop offers over 4 million products from thousands of sellers, providing convenient installment options, fast delivery, and an intuitive interface. Kaspi Pay enables entrepreneurs to accept payments from more than 14 million customers, open business accounts online, offer installment and credit options, and manage tax reporting — all through a mobile app.