Joint Stock Company Kaspi.kz (KSPI)

業務介紹

合資公司Kaspi.kz及其子公司在哈薩克斯坦共和國為消費者和商家提供支付、市場和金融科技解決方案。它通過三個業務部門運營:支付平台、市場平台和金融科技平台。

支付平台部門促進客戶與商家之間的交易。該部門為消費者提供購物交易、定期家庭賬單和點對點支付;接受線上和店內付款、開具和結算發票、支付供應商和監控商家營業額。它還提供專有數據設施,為企業的多個領域提供決策支持。

市場平台部門連接線上和線下商家與消費者,使商家能夠通過全渠道策略提高銷售,並使消費者能夠從各種商家購買產品和服務。該部門還通過移動商務運營市場平台,這是一種供消費者隨時隨地免費購物的移動解決方案;Kaspi Travel允許消費者預訂國內和國際航班及套餐假期,以及國內鐵路票。它還通過連接支付和金融科技產品、Kapsi廣告和其他配送服務來提高商家的銷售。

金融科技平台部門通過超級應用程式和Kapsi.kz超級應用程式為消費者提供BNPL、金融和儲蓄產品,為商家提供商家金融服務。它還參與銀行業、不良資產管理、房地產業務、支付處理、在線旅遊以及信息存儲和處理服務。

該公司於2008年註冊成立,總部位於哈薩克斯坦共和國阿拉木圖。



Joint Stock Company Kaspi.kz, established in 2008 and based in Almaty, Kazakhstan, operates alongside its subsidiaries to deliver a comprehensive suite of digital services encompassing payments, e-commerce, and financial technology. These offerings cater to both individual consumers and a diverse range of merchants. The company's operations are structured around three core platforms: Payments, Marketplace, and Fintech. The Payments Platform is designed to streamline transactions between customers and businesses. For consumers, it facilitates shopping payments, routine bill settlements, and peer-to-peer money transfers. For merchants, it enables them to accept payments both online and in-store, generate and manage invoices, pay suppliers, and monitor their sales performance. This platform also leverages proprietary data to inform strategic business decisions across various operational areas. The Marketplace Platform functions as an integrated hub, connecting online and physical retailers with consumers. Its primary goal is to boost merchant sales through a robust omnichannel strategy while providing shoppers with access to a vast selection of products and services. Key features include m-commerce, a mobile solution for in-person shopping, and e-commerce capabilities that allow users to shop anywhere, anytime, often with complimentary delivery. The platform also incorporates Kaspi Travel for booking domestic and international flights, holiday packages, and rail tickets. Furthermore, it enhances merchant revenues by integrating payment and fintech products, advertising solutions, and various delivery services. Finally, the Fintech Platform offers a range of financial products, primarily accessed through its Kaspi.kz Super App. Consumers can utilize Buy Now, Pay Later (BNPL) schemes, various lending options, and savings accounts, while merchants benefit from specialized financing services. Beyond these, Kaspi.kz's activities extend to traditional banking, the management of non-performing assets, real estate operations, payment processing, online travel services, and information storage and management.

公司網址

https://www.ir.kaspi.kz