Accessibility: With many individuals unbanked or underbanked, DCB provides an essential payment solution that allows access to digital goods and services

Growing Digital Economy: The rise of digital consumption—particularly in gaming and streaming—has fueled the adoption of DCB as a preferred payment method due to its ease of use and security

Convenience: Users can pay for various services, including digital content, apps, and subscriptions, with a simple SMS confirmation process

User-Friendly Interface: The QIWI Wallet app is designed for ease of use, enabling quick transactions and money transfers using only phone number. Convenience to make various payments, including utility bills, mobile top-ups, online purchases, and money transfers, all from a single platform

Accessibility: QIWI has established a robust infrastructure with over 30,000 payment points in Kazakhstan, making it easy for users to access services both online and through physical kiosks. A solution to individuals who may not have access to traditional banking services

Innovative Features: The introduction of virtual cards and partnerships with major financial institutions enhances user experience. For instance, QIWI was among the first to offer virtual cards in collaboration with Visa, allowing for secure online transactions

User Engagement: The platform has achieved high levels of user engagement, with an average of 71 transactions per active consumer per month. This frequent interaction fosters loyalty and increases the likelihood of cross-selling additional services

Merchant Onboarding: The rapid growth of merchant partnerships is notable, with over 485,000 active merchants onboarded by early 2024

Innovative Features: Kaspi Pay offers several innovative features such as mobile POS systems, remote payment options, and instant invoicing. These tools not only enhance convenience for users but also attract new merchants looking to streamline their payment processes