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Kaspi.kz Announces Second Quarter 2021 Financial Results Kazakhstan , 26 July 2021 – JSC Kaspi.kz ( “ Kaspi.kz ” , " we " , or the " Company " ) which operates the Kaspi.kz Super App , Kazakhstan's leading mobile Super App , today publishes its unaudited consolidated IFRS financial results for the quarter ending 30 June 2021 . Key highlights ● ● ● ● Super App MAU up 30 % year - over - year to 10.2 million , DAU up 67 % to 6.0 million . Average monthly transactions per active consumer up 2.0x to a record 39.3 transactions . ● Continuing on from its hugely successful launch last year , Kaspi Pay continues to scale at an incredible rate and has firmly established itself as the digital payments platform of choice for merchants of all sizes , across all segments of Kazakhstan's retail market . O Payments Platform merchants increased 448 % year - over - year to reach 134.8K . o 179.6K active Kaspi Pay POS devices by June 2021 , up 11x year - over - year and equivalent to 51 % share of the country's total POS network . o By number of transactions , Kaspi Pay POS Solutions accounted for 68 % of all Kaspi Gold in - store purchase transaction , up from just 7 % in June 2020 . O Consumers continue to embrace Kaspi Pay's contactless Kaspi QR technology . Number of transactions using Kaspi Pay POS Solutions increased 26x year - over - year , with Kaspi QR accounting for 80 % of transactions in the second quarter 2021 . o We expect a larger Payments Platform merchant base to in turn drive another step - up in Marketplace merchant growth . Currently , only 40 % of total merchants are available on both Payments and Marketplace Platforms . o We expect a larger Kaspi.kz merchant base to in turn drive up consumer penetration across all three of our platforms , from 38 % currently . O In e - Commerce we continue to scale Kaspi Smart Logistics Platform , with total deliveries up 205 % year - over - year , 54 % orders delivered within ≤2 days and 98 % of deliveries free for consumers . Fast nationwide delivery is an important tool to attract new merchants and free delivery is another key benefit for consumers . In just seven months since its launch , Kaspi Travel has taken 26 % share of the flight bookings market and in June we added rail ticketing . GovTech is an important addition to the Kaspi.kz Super App , with MAU up 3.9x year - over - year in June 2021 . Marketplace GMV growth accelerated to 253 % year - over - year . O e - Commerce GMV up by 171 % year - over - year . O m - Commerce GMV up by 457 % year - over - year . Fintech TFV growth accelerated to 456 % year - over - year . ● Payments TPV growth accelerated to 155 % year - over - year . Marketplace adj . net income¹ up 574 % year - over - year and record 67 % adj . net income margin . ● Fintech adj . net income up 37 % year - over - year to 38 % adj.net income margin . Payments adj . net come up 128 % year - over - year to record 60.3 % adj . net income margin . 1 Net income adjusted for stock - based compensation 1