CEO of Jet Finance on the role of business in shaping the financial culture of society

Azamat Seitbekov, CEO Jet Finance, LinkedIn, LinkedIn Jet Finance

About the Company and the Market

The financial market of Kazakhstan has entered a phase of mature transformation. Following a period of rapid growth, the industry is now moving into a stage of systemic development, where efficiency, transparency, and technological integration take center stage. The market is advancing toward quality through automation, risk management, and the development of local funding sources. Leading players are focusing on sustainability and trust, recognizing that these factors create long-term business value.

The success of Jet Finance is built on a systematic approach, technological discipline, and trust. Instead of pursuing rapid growth, we have created a sustainable model featuring AI-based scoring, transparent risk control, and well-thought-out funding. This has allowed us to scale without compromising portfolio quality or investor trust. The second key factor is our team: the combination of an entrepreneurial mindset and financial expertise has fostered a culture of efficiency. Finally, our strategic goal is not merely to issue loans, but to solve real problems for clients and the economy, making financing accessible and responsible.

About Financial Literacy

Financial literacy is the foundation of stable economic development. Today, as people gain access to more tools and channels for financing, understanding how to use them becomes a key factor in personal and societal resilience.

Without a financial culture, even the best products can lead to over-indebtedness and a loss of trust. It is important to us that clients make informed decisions, understanding the cost of credit, their obligations, and their options. By enhancing financial literacy, we help shape a mature market where responsibility is shared between the client and the lender.

Low levels of financial literacy reduce economic resilience: people are more likely to make impulsive borrowing decisions, accumulate debt, and lose trust in financial institutions. For the market, this means increased risks and lower portfolio quality; for clients, it means limited opportunities for development. Financial culture is not just about knowing terminology; it is the basis for responsible consumption and long-term economic growth.

The Role of MFIs in Developing Financial Culture

Microfinance organizations play a key role in increasing financial literacy, as they are often the first point of contact for clients with financial products.

We recognize this responsibility and actively participate in several initiatives aimed at developing financial culture, including projects initiated by the regulator. Additionally, Jet Finance supports private educational programs, such as the FINGRAM Eco-system by Dmitriy Kazantsev and others.

We believe that systematic cooperation between the government, business, and experts can foster a culture of conscious borrowing and financial management among the population. This, in turn, makes the market more resilient.

Investments in financial education create a more mature client base, reduce the risk of non-payment, and strengthen trust in the brand. Companies that help people understand finance gain loyal clients, a stable portfolio, and long-term growth.

About Jet Finance Projects and Approaches

Jet Finance is an ecosystem of modern financial solutions, combining technology, transparency, and trust. The company offers products that accompany the client throughout their journey—from obtaining financing to purchasing a car.

Jet Car is the company’s flagship product and one of the leaders in the Kazakhstan auto-loan market. It provides clients with transparent and convenient access to financing for purchasing a vehicle and loans secured by a car. For many, a car is not just a means of transportation, but a tool for earning income and mobility, and Jet Car makes this tool accessible to everyone.

Jet Money is a service offering fast, accessible, and clear loans, designed for those who value the ability to quickly resolve financial issues without hidden conditions.

Jet Auto is Jet Finance’s newest product, creating a transparent and secure infrastructure for the automotive market. It is a digital platform where the interests of dealers and buyers meet on equal footing. For dealers, it offers a completely free sales management system that combines CRM, analytics, and publishing in one interface. For buyers, it guarantees fair transactions: only customs-cleared vehicles with verified VIN codes and open histories.

Collectively, these products form a unified ecosystem where technology serves trust, and trust drives development. Jet Finance is creating a next-generation financial infrastructure where accessibility, transparency, and responsibility become market standards.

About the Future and the Role of Business

The mission of Jet Finance is to build an ecosystem where finance, technology, and trust work for the benefit of people.

In the coming years, we see the development of this mission in the creation of a unified digital space where the client receives not just a product, but a complete path for solving their tasks—from financing and purchasing to servicing and insuring a vehicle.

In the strategic perspective, we envision Jet Finance as a platform that unites not only products but also partners—dealers, insurance companies, service centers, and investors—into a single digital ecosystem where all participants benefit from transparency and efficiency.

I believe that sustainability begins with people—with the teams that create, manage, and make decisions. Everything we invest our attention and energy into grows. Therefore, it is important to consciously choose what to invest in, whether it be technology, relationships, or trust.

Our goal is not just to grow, but to bring real value to the market and to people. We strive to enter the top 3 microfinance organizations in Kazakhstan, maintaining our reputation as a responsible and transparent player. For us, it is important not only to develop the business but also to be a reliable employer, creating opportunities for professional growth and fostering a culture of trust.

We also see our role in developing financial infrastructure in regions where access to financing remains limited. By expanding our presence, we aim to give people more tools for development, entrepreneurship, and confidence in the future.