SWOT analysis

Kaspi.kz
Aruzhan Ukanova
 The largest Payments, Marketplace and Fintech Ecosystem
in Kazakhstan.

Kaspi.kz
 S (strengths)

• The largest Payments, Marketplace and Fintech

Ecosystem in Kazakhstan;
• Kaspi.kz user results & financial results ahead of
expectations;
• Innovative consumer products (Kaspi QR, Kaspi
Travel, Government services, KaspiKids);
• Diversification of products and services;
Payments: 
• Mobile payments & P2P;
• Bill payments;
Marketplace: 
• E-commerce;
• Mobile commerce;
Fintech: 
• Digital Finance.
 • As the size and  complexityof the services provided grew, banks faced a
decline inthe efficiency of internal corporate governance;
W (weaknesses) • Currently, one of the serious problems facing banks in Kazakhstan is a
significant level of staff turnover, as well as the level of qualifications of
bank employees.
O (opportunities)
• Improving the bank's credit policy;
Any methodology for assessing a borrower's creditworthiness
is determined independently by the credit policy of a
commercial bank.
• Development of banking competition in the context of the
global financial crisis.
Orientation of banks to a widerange of additional banking
services, to expand the range of their products and services
for serving corporate clients.
T (threats)
• Lending risks;
i.e. the likelihoodthat the borrower will not be able tomake
interest payments or repaythe principal amount of the loan
inaccordance with the loanagreement are an integral part
ofbanking activities.
• Unemployment & Crisis.