{"id":2457,"date":"2025-01-15T09:16:58","date_gmt":"2025-01-15T09:16:58","guid":{"rendered":"https:\/\/pivot.uz\/kaspi-kz-kichik-bankdan-yirik-fintexgacha-bolgan-yol\/"},"modified":"2025-01-15T14:17:06","modified_gmt":"2025-01-15T14:17:06","slug":"kaspi-kz-kichik-bankdan-yirik-fintexgacha-bolgan-yol","status":"publish","type":"post","link":"https:\/\/pivot.uz\/uz\/kaspi-kz-kichik-bankdan-yirik-fintexgacha-bolgan-yol\/","title":{"rendered":"Kaspi.kz: kichik bankdan yirik Fintexgacha bo\u2018lgan yo\u2018l"},"content":{"rendered":"\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\"><\/div>\n<\/div>\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Boshlang\u2018ich qadamlar<\/strong><\/p>\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>1993-yil: Kimning ilk biznesi<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">Fizika-matematika maktabini tamomlagan Vyacheslav Kim 1969-yil 12-iyunda Qozog\u2018istonning Olmaota shahrida tug\u2018ilgan. Kimga tadbirkorlikka oid mahorat va mantiqiy fikrlash qobiliyati iqtisod va biznesda katta yutuqlar olib keldi. Uning 1993-yilda elektronika savdosini rivojlantirish uchun ochgan \u201cPlaneta elektroniki\u201d do\u2018koni qisqa vaqt ichida Qozog\u2018istondagi eng yirik savdo markaziga aylandi.  <\/p>\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1000\" height=\"668\" src=\"https:\/\/pivot.uz\/wp-content\/uploads\/2025\/01\/04-2_59ece09c.jpg\" alt=\"\" class=\"wp-image-2429\" srcset=\"https:\/\/pivot.uz\/wp-content\/uploads\/2025\/01\/04-2_59ece09c.jpg 1000w, https:\/\/pivot.uz\/wp-content\/uploads\/2025\/01\/04-2_59ece09c-300x200.jpg 300w, https:\/\/pivot.uz\/wp-content\/uploads\/2025\/01\/04-2_59ece09c-768x513.jpg 768w, https:\/\/pivot.uz\/wp-content\/uploads\/2025\/01\/04-2_59ece09c-550x367.jpg 550w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>2002-yil: Bank sotib olish<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">Kim mijozlarga kredit taklif qilish orqali savdoni oshirish istagida <strong>\u201cKaspiyskiy\u201d <\/strong>xususiy bankini sotib oldi. Ammo u bankni boshqarish va kreditlash bo\u2018yicha tajribasiz edi, bu esa ko\u2018plab qiyinchiliklarga sabab bo\u2018ldi. Kim bu kunlarini eslar ekan \u201cHamma muvaffaqiyatli tadbirkorlar bank sotib olayotganini ko\u2018rgach biz ham shunday qildik. Lekin bu biznes qanday ishlashini tushunmasdik,\u201d \u2013 deydi.  <\/p>\n\n<p class=\"wp-block-paragraph\"><em>\u201cHamma muvaffaqiyatli tadbirkorlar bank sotib olayotgandi, biz ham shunday qildik. Lekin bank biznesi qanday ishlashini tushunmasdik,\u201d \u2013 deya eslaydi.<\/em><\/p>\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Baring Vostok va Lomtadze bilan hamkorlik<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">Kim bu qiyinchiliklarni yakka o\u2018zi yengolmasligini anglab, Baring Vostok fondidan yordam so\u2018radi. Fonddagi yosh moliyachi Mixail Lomtadze bilan hamkorlik Kaspi.kz tarixida burilish nuqtasi bo\u2018ldi. Gruziyada tug\u2018ilgan, <strong>Garvardda MBA<\/strong> darajasiga ega bo\u2018lgan Lomtadze <strong>GCG audit<\/strong> kompaniyasiga asos solgan edi. 2004-yilda Kim va Lomtadze birlashib, Kim aksiyalarning 51 foiz ulushini <strong>Baring Vostok <\/strong>fondiga sotishga qaror qildi.   <\/p>\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Kaspi.kz: Strategik o\u2018zgarishlar<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Lomtadze <\/strong>xalqaro tajribaga ega yosh mutaxassislarni ishga olib, bank rahbariyatini yangiladi, kompaniya faoliyatini yaxshiladi.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Iste\u2019molchilarga e\u2019tibor:<\/strong> Kaspi.kz tadbirkorlarga xizmat ko\u2018rsatishni to\u2018xtatdi va iste\u2019molchilarga qulay moliyaviy xizmatlarni taklif qildi.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Davlat bilan hamkorlik:<\/strong> Kim amaldorlar bilan yaqin aloqalar o\u2018rnatdi va ularga mos xizmatlarni taklif qila boshladi.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Ekotizim yaratish:<\/strong> Kaspi.kz oddiy bankdan texnologik kompaniyaga aylanish uchun bir qancha xizmatlarni ishga tushirdi. Bular telefon raqami yoki QR-kod orqali to\u2018lov tizimlari, onlayn va oflayn xaridlarni birlashtiruvchi marketpleys, soliq, ta\u2019lim va transport to\u2018lovlari uchun davlat xizmatlari integratsiyasi.<br\/><br\/><\/p>\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<ul class=\"wp-block-list\">\n<li>Telefon raqami yoki QR-kod orqali to\u2018lov tizimlari.<\/li>\n\n\n\n<li>Onlayn va oflayn xaridlarni birlashtiruvchi marketpleys.<\/li>\n\n\n\n<li>Soliq, ta\u2019lim va transport to\u2018lovlari uchun davlat xizmatlari integratsiyasi.<\/li>\n\n\n\n<li>Kaspi.kz va Humo: O\u2018zbekiston bozoriga kirishga urinish<\/li>\n\n\n\n<li>Markaziy Osiyoda aholi soni jihatdan katta imkoniyatlarga ega bo\u2019lgan O\u2018zbekiston investorlar uchun jozibali davlatga aylanmoqda.<\/li>\n<\/ul>\n<\/div><\/div>\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Humo tizimini sotib olishdan voz kechish<\/strong><\/p>\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/pivot.uz\/wp-content\/uploads\/2025\/01\/5tJK0j17263857259976_l-1024x683.jpg\" alt=\"\" class=\"wp-image-2441\" srcset=\"https:\/\/pivot.uz\/wp-content\/uploads\/2025\/01\/5tJK0j17263857259976_l-1024x683.jpg 1024w, https:\/\/pivot.uz\/wp-content\/uploads\/2025\/01\/5tJK0j17263857259976_l-300x200.jpg 300w, https:\/\/pivot.uz\/wp-content\/uploads\/2025\/01\/5tJK0j17263857259976_l-768x512.jpg 768w, https:\/\/pivot.uz\/wp-content\/uploads\/2025\/01\/5tJK0j17263857259976_l-550x367.jpg 550w, https:\/\/pivot.uz\/wp-content\/uploads\/2025\/01\/5tJK0j17263857259976_l.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<p class=\"wp-block-paragraph\">2024-yil <a href=\"https:\/\/kaspi.kz\/\" data-type=\"link\" data-id=\"https:\/\/kaspi.kz\/\" target=\"_blank\" rel=\"noopener\">Kaspi.kz<\/a> O\u2018zbekistondagi<a href=\"https:\/\/humocard.uz\/uz\/\" data-type=\"link\" data-id=\"https:\/\/humocard.uz\/uz\/\" target=\"_blank\" rel=\"noopener\"> Humo <\/a>milliy to\u2018lov tizimining 100 foizlik davlat ulushini sotib olishga qiziqish bildirdi. U tizimni innovatsion texnologiyalar bilan boyitib, naqd pulsiz to\u2018lovlarni qulay va ommabop qilish, katta investitsiya kiritishni rejalashtirgan edi. <\/p>\n\n<p class=\"wp-block-paragraph\">2024-yil Kaspi.kz O\u2018zbekistondagi Humo milliy to\u2018lov tizimining 100 foizlik davlat ulushini sotib olishga qiziqish bildirdi. U tizimni innovatsion texnologiyalar bilan boyitib, naqd pulsiz to\u2018lovlarni qulay va ommabop qilish, katta investitsiya kiritishni rejalashtirgan edi.<\/p>\n\n<p class=\"wp-block-paragraph\">Kaspining to\u2018lov tizimini sotib olishidagi ehtimoliy holati va buning ijobiy tomonlari haqida o\u2018ylasak, milliy kompaniyalarning sotuvida qimmatroq narxga baholanish imkonini yaralishi, salbiy holatlar sifatida esa monopoliya yuzaga kelgan holatda to\u2019lov tizimida narxlar oshishini taxmin qilish mumkin. Humo tizimini xususiylashtirish jarayoni esa davom etdi va Paynet kompaniyasi Humoni 65 million AQSh dollarga sotib oldi. <a href=\"\" data-type=\"\" data-id=\"\">Paynet <\/a>2005-yilda Botir Arifjanov tomonidan tashkil etilgan.  <\/p>\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>So\u2018nggi so\u2018z o\u2018rnida<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">Umuman olganda davlatning to\u2018lov tizimini xorijiy kompaniyalarga sotish qanchalik to\u2018g\u2018ri degan masala anchayin bahsli. Buning iqtisodiy xavflari yuqoriligi haqida tortishuvlar tugamaydi. Ochiq bozorga ega davlatlarda bu savolga javob muqarrar: to\u2018lov tizimining kimda bo\u2018lishi ahamiyati nolga teng. Ammo bitta kompaniya ham to\u2018lov tizimi, bank va to\u2018lov tashkilotiga ega bo\u2018lishi absolyut iqtisodiy monopoliyaga yo\u2018l ochishi sir emas.   <\/p>\n\n<p class=\"wp-block-paragraph\">Humoning sotilishi keysida talabgorlar orasida Kaspi.kz bilan birga boshqa yirik IT sohasidagi kompaniyalardan biri ham o\u2018yindan chiqqanini ma\u2019lum qilgan. Ammo talabgorlar taklif qilgan narx ochiqlanmadi. <\/p>\n\n<p class=\"wp-block-paragraph\">Shuningdek, Kaspi. kz 2024-yil oktyabrida turk bozoridagi Hepsiburada onlayn-do\u2018konining 65 foiz ulushini 1,127 milliard dollarga sotib olish bo\u2018yicha kelishuvga erishgan. Bu shartnoma 2025-yilning birinchi choragida yakunlanishi kutilmoqda. <\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Bu kelishuv haqida Lomtadze shunday deydi:<\/strong><\/p>\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/pivot.uz\/wp-content\/uploads\/2025\/01\/phppuK3Iy-1024x576.jpg\" alt=\"\" class=\"wp-image-2443\" srcset=\"https:\/\/pivot.uz\/wp-content\/uploads\/2025\/01\/phppuK3Iy-1024x576.jpg 1024w, https:\/\/pivot.uz\/wp-content\/uploads\/2025\/01\/phppuK3Iy-300x169.jpg 300w, https:\/\/pivot.uz\/wp-content\/uploads\/2025\/01\/phppuK3Iy-768x432.jpg 768w, https:\/\/pivot.uz\/wp-content\/uploads\/2025\/01\/phppuK3Iy.jpg 1056w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<p class=\"wp-block-paragraph\"><em>Turkiya bozori biz uchun qiziqarli \u2014 u ayrim jihatlari bilan Qozog\u2018iston bozoriga o\u2018xshaydi. Bozor hajmi biz uchun juda muhim \u2014 85 milliondan ortiq aholi. Qaror qabul qilishda asosiy omil, albatta, sotib olinadigan kompaniyaning o\u2018zidir.Unda juda kuchli menejment va xizmatlar yaratishga asoslangan.   <\/em><\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Kaspi.kz misolida xususiylashtirish jarayonlarida shaffoflikni yo\u2018lga qo\u2018yish har bir davlat rivoji uchun manfaatli raqobat muhiti yaratishini ta\u2019kidlash o\u2018rinli.<\/strong><\/p>\n\n<p class=\"has-text-align-right wp-block-paragraph\">Tayyorladi: Laylo Xondamirovna<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Boshlang\u2018ich qadamlar 1993-yil: Kimning ilk biznesi Fizika-matematika maktabini tamomlagan Vyacheslav Kim 1969-yil 12-iyunda Qozog\u2018istonning Olmaota shahrida tug\u2018ilgan. Kimga tadbirkorlikka oid mahorat va mantiqiy fikrlash qobiliyati iqtisod va biznesda katta yutuqlar olib keldi. Uning 1993-yilda elektronika savdosini rivojlantirish uchun ochgan \u201cPlaneta elektroniki\u201d do\u2018koni qisqa vaqt ichida Qozog\u2018istondagi eng yirik savdo markaziga aylandi. 2002-yil: Bank sotib olish [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":2455,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":[],"jnews_primary_category":[],"jnews_override_bookmark_settings":[],"jnews_paywall_metabox":[],"jnews_override_counter":[],"jnews_podcast_option":[],"jnews_podcast_series":[],"footnotes":""},"categories":[197],"tags":[201,199,198,200,202],"jnews-series":[],"class_list":["post-2457","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-iqtisod","tag-bank-uz","tag-humo-uz","tag-kaspi-kz-uz","tag-paynet-uz","tag-vyacheslav-kim-uz"],"_links":{"self":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts\/2457","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/comments?post=2457"}],"version-history":[{"count":4,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts\/2457\/revisions"}],"predecessor-version":[{"id":2462,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/posts\/2457\/revisions\/2462"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/media\/2455"}],"wp:attachment":[{"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/media?parent=2457"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/categories?post=2457"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/tags?post=2457"},{"taxonomy":"jnews-series","embeddable":true,"href":"https:\/\/pivot.uz\/uz\/wp-json\/wp\/v2\/jnews-series?post=2457"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}