Mikhail Lomtadze, Co-founder and CEO of Kaspi.kz, a fintech powerhouse in Kazakhstan, shares insights from his journey transforming a small bank into a vital super app. He discusses the unique challenges of building a digital platform in an emerging market and how Kaspi effectively addresses local financial inclusion issues. The conversation covers their mobile payment innovations, strategic acquisitions, and the cultural focus on extreme simplification that fuels their product development, ensuring sustained competitiveness in a rapidly evolving digital landscape.