{"id":25579,"date":"2022-01-17T00:00:00","date_gmt":"2022-01-16T20:00:00","guid":{"rendered":"https:\/\/bankofgeorgia.ge\/blog\/siakhleebi\/kaspi-ert-erti-umsxvilesi-fint\/"},"modified":"2026-04-01T18:02:27","modified_gmt":"2026-04-01T14:02:27","slug":"kaspi-ert-erti-umsxvilesi-fint","status":"publish","type":"post","link":"https:\/\/bankofgeorgia.ge\/blog\/biznesi\/inovaciebi-da-startapebi\/kaspi-ert-erti-umsxvilesi-fint\/","title":{"rendered":"Kaspi: \u10db\u10d8\u10ee\u10d4\u10d8\u10da \u10da\u10dd\u10db\u10d7\u10d0\u10eb\u10d4 \u10d3\u10d0 \u10e4\u10d8\u10dc\u10e2\u10d4\u10e5\u10d8\u10e1 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3\u10d4\u10e0\u10e3\u10da\u10d8 \u10d8\u10e1\u10e2\u10dd\u10e0\u10d8\u10d0"},"content":{"rendered":"<p>\u10ea\u10dd\u10e2\u10d0 \u10ee\u10dc\u10d8\u10e1 \u10ec\u10d8\u10dc \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10e3\u10db\u10d3\u10d8\u10d3\u10e0\u10d4\u10e1\u10d8 \u10db\u10dd\u10e5\u10d0\u10da\u10d0\u10e5\u10d4 \u10db\u10d8\u10ee\u10d4\u10d8\u10da \u10da\u10dd\u10db\u10d7\u10d0\u10eb\u10d4 \u10d2\u10d0\u10ee\u10d3\u10d0. Forbes-\u10d8\u10e1 \u10db\u10d8\u10ee\u10d4\u10d3\u10d5\u10d8\u10d7, \u10db\u10d8\u10e1\u10d8 \u10e5\u10dd\u10dc\u10d4\u10d1\u10d0 \u10e0\u10d4\u10d0\u10da\u10e3\u10e0 \u10d3\u10e0\u10dd\u10e8\u10d8 $4.9 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3\u10e1 \u10e8\u10d4\u10d0\u10d3\u10d2\u10d4\u10dc\u10e1. \u10d9\u10d8\u10d3\u10d4\u10d5 \u10e3\u10e4\u10e0\u10dd \u10e1\u10d0\u10d8\u10dc\u10e2\u10d4\u10e0\u10d4\u10e1\u10dd \u10d8\u10e1\u10d0\u10d0, \u10e0\u10dd\u10db \u10db\u10d8\u10ee\u10d4\u10d8\u10da\u10d8 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10e3\u10db\u10d3\u10d8\u10d3\u10e0\u10d4\u10e1\u10d8 \u10d0\u10d3\u10d0\u10db\u10d8\u10d0\u10dc\u10d8 \u10e4\u10d8\u10dc\u10e2\u10d4\u10e5\u10d8\u10e1, Kaspi-\u10e1 \u10ec\u10e7\u10d0\u10da\u10dd\u10d1\u10d8\u10d7 \u10d2\u10d0\u10ee\u10d3\u10d0, \u10e0\u10d0\u10d3\u10d2\u10d0\u10dc \u10db\u10d8\u10e1\u10d8 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d8\u10e1 \u10eb\u10d8\u10e0\u10d8\u10d7\u10d0\u10d3\u10d8 \u10ec\u10e7\u10d0\u10e0\u10dd \u10e1\u10ec\u10dd\u10e0\u10d4\u10d3 \u10d4\u10e1 \u10dd\u10e0\u10d2\u10d0\u10dc\u10d8\u10d6\u10d0\u10ea\u10d8\u10d0\u10d0.<\/p>\n<p>Kaspi.kz \u10e7\u10d0\u10d6\u10d0\u10ee\u10d4\u10d7\u10d8\u10e1 \u10d4\u10e0\u10d7-\u10d4\u10e0\u10d7 \u10e3\u10db\u10e1\u10ee\u10d5\u10d8\u10da\u10d4\u10e1 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d0\u10e1 \u10ec\u10d0\u10e0\u10db\u10dd\u10d0\u10d3\u10d2\u10d4\u10dc\u10e1 \u10d3\u10d0 \u10db\u10e1\u10dd\u10e4\u10da\u10d8\u10dd\u10e1 20 \u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10eb\u10d5\u10d8\u10e0\u10d0\u10d3\u10e6\u10d8\u10e0\u10d4\u10d1\u10e3\u10da \u10e4\u10d8\u10dc\u10e2\u10d4\u10e5\u10e8\u10d8 \u10e8\u10d4\u10d3\u10d8\u10e1, \u10d7\u10d8\u10d7\u10e5\u10db\u10d8\u10e1 $21 \u10db\u10da\u10e0\u10d3 \u10e1\u10d0\u10d1\u10d0\u10d6\u10e0\u10dd \u10d9\u10d0\u10de\u10d8\u10e2\u10d0\u10da\u10d8\u10d6\u10d0\u10ea\u10d8\u10d8\u10d7.<\/p>\n<p>\u10e4\u10d8\u10dc\u10e2\u10d4\u10e5\u10db\u10d0 \u10e1\u10d0\u10d4\u10e0\u10d7\u10d0\u10e8\u10dd\u10e0\u10d8\u10e1\u10dd \u10db\u10d4\u10d3\u10d8\u10d8\u10e1 \u10e7\u10e3\u10e0\u10d0\u10d3\u10e6\u10d4\u10d1\u10d0 \u10ef\u10d4\u10e0 \u10d9\u10d8\u10d3\u10d4\u10d5 2020 \u10ec\u10d4\u10da\u10e1 \u10db\u10d8\u10d8\u10de\u10e7\u10e0\u10dd, \u10e0\u10dd\u10d3\u10d4\u10e1\u10d0\u10ea \u10da\u10dd\u10dc\u10d3\u10dd\u10dc\u10d8\u10e1 \u10e1\u10d0\u10e4\u10dd\u10dc\u10d3\u10dd \u10d1\u10d8\u10e0\u10df\u10d0\u10d6\u10d4, \u10ec\u10da\u10d8\u10e1 \u10e3\u10db\u10e1\u10ee\u10d5\u10d8\u10da\u10d4\u10e1\u10d8 \u10e1\u10d0\u10d4\u10e0\u10d7\u10d0\u10e8\u10dd\u10e0\u10d8\u10e1\u10dd IPO (Initial Public Offering)-\u10d8\u10e1 \u10d0\u10d5\u10e2\u10dd\u10e0\u10d8 \u10d2\u10d0\u10ee\u10d3\u10d0, \u10db\u10d8\u10e1\u10d8 \u10db\u10e4\u10da\u10dd\u10d1\u10d4\u10da\u10d4\u10d1\u10d8 \u10d9\u10d8 Forbes-\u10d8\u10e1 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3\u10d4\u10e0\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d8\u10d0\u10e8\u10d8 \u10db\u10dd\u10ee\u10d5\u10d3\u10dc\u10d4\u10dc.<\/p>\n<p>Kaspi-\u10e1 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d4\u10d1\u10d8 2019 \u10ec\u10d4\u10da\u10e1\u10d0\u10ea \u10d0\u10e0\u10d0\u10dc\u10d0\u10d9\u10da\u10d4\u10d1 \u10e8\u10d7\u10d0\u10db\u10d1\u10d4\u10ed\u10d3\u10d0\u10d5\u10d8 \u10d8\u10e7\u10dd \u10d3\u10d0 \u10db\u10d0\u10dc $1.3 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3\u10d8 \u10e8\u10d4\u10d0\u10d3\u10d2\u10d8\u10dc\u10d0, 2020 \u10ec\u10d4\u10da\u10e1 \u10d9\u10d8 \u10d8\u10e1 $1.5 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3\u10d0\u10db\u10d3\u10d4 \u10d2\u10d0\u10d8\u10d6\u10d0\u10e0\u10d3\u10d0.<\/p>\n<p>\u10d0\u10db \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10da\u10d4\u10d1\u10d0\u10db\u10d3\u10d4 \u10db\u10dd\u10e1\u10d0\u10e1\u10d5\u10da\u10d4\u10da\u10d0\u10d3, \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d0\u10db \u10e1\u10d0\u10d9\u10db\u10d0\u10dd\u10d3 \u10d2\u10e0\u10eb\u10d4\u10da\u10d8 \u10d2\u10d6\u10d0 \u10d2\u10d0\u10dc\u10d5\u10da\u10dd. Kaspi-\u10e1 \u10d8\u10e1\u10e2\u10dd\u10e0\u10d8\u10d0 \u10ef\u10d4\u10e0 \u10d9\u10d8\u10d3\u10d4\u10d5 1991 \u10ec\u10d4\u10da\u10e1 \u10d8\u10ec\u10e7\u10d4\u10d1\u10d0, \u10d7\u10d0\u10d5\u10d3\u10d0\u10de\u10d8\u10e0\u10d5\u10d4\u10da\u10d0\u10d3 \u10db\u10d8\u10e1\u10d8 \u10e1\u10d0\u10ee\u10d4\u10da\u10d8 \u0410\u043b\u044c \u0411\u0430\u0440\u0430\u043a\u0430 \u041a\u0430\u0437\u0430\u0445\u0441\u0442\u0430\u043d \u10d8\u10e7\u10dd \u10d3\u10d0 \u10db\u10d8\u10e1 \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d4\u10d1\u10e1 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10d8 \u10ea\u10d8\u10e4\u10e0\u10e3\u10da\u10d8 \u10e1\u10d0\u10db\u10e7\u10d0\u10e0\u10dd\u10e1 \u10db\u10d8\u10e6\u10db\u10d0 \u10d8\u10e6\u10d4\u10d1\u10d3\u10dc\u10d4\u10dc, 1997 \u10ec\u10d4\u10da\u10e1 \u10dd\u10e0\u10d2\u10d0\u10dc\u10d8\u10d6\u10d0\u10ea\u10d8\u10d8\u10e1 \u10e1\u10d0\u10ee\u10d4\u10da\u10d8 \u0411\u0430\u043d\u043a \u041a\u0430\u0441\u043f\u0438\u0439\u0441\u043a\u0438\u0439 \u10d2\u10d0\u10ee\u10d3\u10d0, 2008 \u10ec\u10da\u10d8\u10d3\u10d0\u10dc \u10d9\u10d8 \u10e1\u10d0\u10d6\u10dd\u10d2\u10d0\u10d3\u10dd\u10d4\u10d1\u10d0 \u10db\u10d0\u10e1 Kaspi Bank-\u10d0\u10d3 \u10d8\u10ea\u10dc\u10dd\u10d1\u10e1.<\/p>\n<p>\u10d0\u10db\u10df\u10d0\u10db\u10d0\u10d3 Kaspi \u10e7\u10d0\u10d6\u10d0\u10ee\u10d4\u10d7\u10d8\u10e1 \u10e3\u10db\u10e1\u10ee\u10d5\u10d8\u10da\u10d4\u10e1\u10d8 \u10e1\u10d0\u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10dd \u10de\u10e0\u10dd\u10d5\u10d0\u10d8\u10d3\u10d4\u10e0\u10d8 \u10d3\u10d0 \u10e4\u10d8\u10dc\u10e2\u10d4\u10e5 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d0\u10d0, \u10e0\u10dd\u10db\u10d4\u10da\u10e1\u10d0\u10ea 7 \u10db\u10d8\u10da\u10d8\u10dd\u10dc\u10d6\u10d4 \u10db\u10d4\u10e2\u10d8 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10d8 \u10f0\u10e7\u10d0\u10d5\u10e1 (\u10e7\u10d0\u10d6\u10d0\u10ee\u10d4\u10d7\u10d8\u10e1 \u10db\u10dd\u10e1\u10d0\u10ee\u10da\u10d4\u10dd\u10d1\u10d0 18.5 \u10db\u10d8\u10da\u10d8\u10dd\u10dc\u10d8\u10d0). Forbes-\u10d8\u10e1 \u10db\u10d8\u10ee\u10d4\u10d3\u10d5\u10d8\u10d7, 2020 \u10ec\u10da\u10d8\u10e1 \u10d8\u10d5\u10dc\u10d8\u10e1\u10d8\u10e1 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10d8\u10d7, \u10e5\u10d5\u10d4\u10e7\u10d0\u10dc\u10d0\u10e8\u10d8 \u10d2\u10d0\u10dc\u10ee\u10dd\u10e0\u10ea\u10d8\u10d4\u10da\u10d4\u10d1\u10e3\u10da\u10d8 \u10e2\u10e0\u10d0\u10dc\u10d6\u10d0\u10e5\u10ea\u10d8\u10d4\u10d1\u10d8\u10e1 66% \u10e1\u10ec\u10dd\u10e0\u10d4\u10d3 Kaspi-\u10d6\u10d4 \u10db\u10dd\u10d3\u10d8\u10dd\u10d3\u10d0.<\/p>\n<p>\u10d8\u10e1\u10d4\u10d5\u10d4 \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10e1\u10ee\u10d5\u10d0 \u10e2\u10d4\u10e5.\u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1, Kaspi-\u10e1\u10d7\u10d5\u10d8\u10e1\u10d0\u10ea \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d0 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d0\u10d3 \u10d2\u10d0\u10d3\u10d0\u10d8\u10e5\u10ea\u10d0 \u10d3\u10d0 \u10d8\u10e1 \u10e7\u10d0\u10d6\u10d0\u10ee\u10d4\u10d7\u10d8\u10e1 \u10db\u10dd\u10e5\u10d0\u10da\u10d0\u10e5\u10d4\u10d4\u10d1\u10d8\u10e1 \u10e7\u10dd\u10d5\u10d4\u10da\u10d3\u10e6\u10d8\u10e3\u10e0\u10dd\u10d1\u10d8\u10e1 \u10dc\u10d0\u10ec\u10d8\u10da\u10d8 \u10d2\u10d0\u10ee\u10d3\u10d0.<\/p>\n<p>\u10db\u10d8\u10e1\u10d8 \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d8 \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10d8\u10dc\u10e2\u10d4\u10e0\u10dc\u10d4\u10e2 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10e1, \u10d8\u10e1\u10d4 \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10e1\u10d0 \u10d3\u10d0 \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d0\u10e1 \u10e4\u10d0\u10e0\u10d0\u10d5\u10e1. Paypal-\u10d8\u10e1 \u10d3\u10d0 Klarna-\u10e1 \u10db\u10e1\u10d2\u10d0\u10d5\u10e1\u10d0\u10d3, \u10db\u10d0\u10e1 \u10d4\u10e0\u10d7\u10d2\u10d5\u10d0\u10e0\u10d8 \u10d2\u10d0\u10dc\u10d5\u10d0\u10d3\u10d4\u10d1\u10d8\u10e1 \u10e4\u10e3\u10dc\u10e5\u10ea\u10d8\u10d0\u10ea \u10d0\u10e5\u10d5\u10e1, \u10e0\u10dd\u10db\u10d4\u10da\u10e1\u10d0\u10ea &#8220;Buy now, pay later&#8221; \u10d4\u10ec\u10dd\u10d3\u10d4\u10d1\u10d0. \u10ef\u10d4\u10e0 \u10d9\u10d8\u10d3\u10d4\u10d5 2019 \u10ec\u10d4\u10da\u10e1 Kaspi-\u10db \u10e8\u10d4\u10eb\u10da\u10dd \u10d3\u10d0 \u10e7\u10d0\u10d6\u10d0\u10ee\u10d4\u10d7\u10e8\u10d8 \u10d0\u10e0\u10e1\u10d4\u10d1\u10e3\u10da\u10d8 \u10e1\u10d0\u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10dd \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d8\u10e1 32%-\u10e1 \u10db\u10dd\u10d4\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d0.<\/p>\n<p>\u10db\u10d8\u10e1\u10d8 \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d4\u10d1\u10d8 \u10ec\u10da\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10e1\u10d5\u10da\u10d0\u10e1\u10d7\u10d0\u10dc \u10d4\u10e0\u10d7\u10d0\u10d3 \u10e3\u10e4\u10e0\u10dd \u10db\u10e0\u10d0\u10d5\u10d0\u10da\u10e4\u10d4\u10e0\u10dd\u10d5\u10d0\u10dc\u10d8 \u10ee\u10d3\u10d4\u10d1\u10d0. 2017 \u10ec\u10d4\u10da\u10e1 Kaspi-\u10db \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10e1 \u10d0\u10de\u10da\u10d8\u10d9\u10d0\u10ea\u10d8\u10d0 \u10e8\u10d4\u10e1\u10d7\u10d0\u10d5\u10d0\u10d6\u10d0, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10d1\u10d0\u10e0\u10d0\u10d7\u10d8\u10e1 \u10d0\u10dc \u10e2\u10d4\u10da\u10d4\u10e4\u10dd\u10dc\u10d8\u10e1 \u10dc\u10dd\u10db\u10e0\u10d8\u10e1 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d8\u10d7, P2P \u10d2\u10d0\u10d3\u10d0\u10e0\u10d8\u10ea\u10ee\u10d5\u10d4\u10d1\u10e1 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