{"product_id":"qiwi-business-model-canvas","title":"QIWI Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eQIWI Business Model Canvas: How the Payments Network Creates and Captures Value\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eExplore QIWI's business model through a focused Business Model Canvas-showing how its digital wallet and kiosk network serve consumers and merchants, support everyday payments and SME services, and turn transaction activity into recurring revenue across digital and physical channels.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Agent and Kiosk Operators\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eQIWI relies on a network of over 100,000 third-party agents and kiosks (2025 company filings) that own and run payment terminals, giving users cash-to-digital rails across Russia and CIS markets; this asset-light model expands reach to unbanked and underbanked customers-agents handled roughly 40% of retail cash-in volume in 2024-without QIWI owning hardware, reducing capex and boosting unit economics.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInternational Banking and Financial Institutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCollaborations with global and local banks enable QIWI to settle cross-border flows and hold liquidity in multiple currencies, supporting \u0026gt;$1.2bn in 2024 cross-border transaction volume and access to SWIFT and local clearing rails. As QIWI expands in MENA and CIS, banking alliances help navigate local regs, provide gateway access to national payment systems, and underpin localized products and FX pools.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMerchant and E-commerce Aggregators\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQIWI partners with thousands of merchants-from global gaming platforms to local utilities-covering over 500,000 payment points and supporting 20+ currencies to make its wallet usable for daily bills, gaming, and online shopping.\u003c\/p\u003e\n\u003cp\u003eIntegration with major e-commerce aggregators cuts merchant onboarding time by up to 60%, expanding acceptance across marketplaces and boosting transaction volume (2024: ~18 million monthly active users, RUB 1.2 trillion annual payment flow).\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology and Cloud Infrastructure Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eQIWI partners with major cloud providers and top cybersecurity firms to support ~50+ million+ annual transactions, ensuring platform scalability and adherence to GDPR and PCI DSS; outsourcing infrastructure cut capital server costs and reduced latency by 22% in 2024.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eScalability: cloud auto-scaling for peak loads\u003c\/li\u003e\n\u003cli\u003eSecurity: PCI DSS, GDPR compliance\u003c\/li\u003e\n\u003cli\u003eCost: lower capex, faster releases\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory and Compliance Consultants\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eQIWI hires specialized regulatory and compliance consultants to meet evolving AML (anti-money laundering) and KYC (know your customer) rules, supporting license retention after its 2023-2024 restructuring and asset divestments that cut revenues by ~30% in some markets.\u003c\/p\u003e\n\u003cp\u003eThese partners fast-track jurisdictional onboarding, reduce compliance breach risk (fines often \u0026gt;$10m) and monitor rule changes so QIWI keeps market trust and operational access.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAML\/KYC expertise\u003c\/li\u003e\n\u003cli\u003ePost-restructuring jurisdictional support\u003c\/li\u003e\n\u003cli\u003eRisk reduction vs. fines \u0026gt;$10m\u003c\/li\u003e\n\u003cli\u003eMaintains licenses and market trust\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eQIWI: 100k+ kiosks, 18M MAU, $1.2B cross‑border and RUB1.2T flows, 22% lower latency\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQIWI leverages 100,000+ agents\/kiosks (2025 filings) covering 500,000+ merchant points, handling ~40% retail cash-in (2024) and \u0026gt;$1.2bn cross-border volume (2024), supporting ~18M MAU and RUB 1.2T annual flows while outsourcing cloud\/security to cut server costs and latency ~22% (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue (Year)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eAgents\/kiosks\u003c\/td\u003e\n\u003ctd\u003e100,000+ (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMerchant points\u003c\/td\u003e\n\u003ctd\u003e500,000+ (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail cash-in via agents\u003c\/td\u003e\n\u003ctd\u003e~40% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCross-border volume\u003c\/td\u003e\n\u003ctd\u003e$1.2bn (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMonthly active users\u003c\/td\u003e\n\u003ctd\u003e~18M (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAnnual payment flow\u003c\/td\u003e\n\u003ctd\u003eRUB 1.2T (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLatency reduction (outsourcing)\u003c\/td\u003e\n\u003ctd\u003e~22% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise, investor-ready Business Model Canvas for QIWI outlining nine blocks-customer segments, value propositions, channels, customer relationships, revenue streams, key resources, key activities, key partners, and cost structure-aligned with real-world operations and strategic plans, including competitive analysis, SWOT-linked insights, and a polished layout for presentations and decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level view of QIWI's business model with editable cells that clarify payments, merchant services, and kiosk networks for quick strategic decisions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFintech Platform Development and Maintenance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eContinuous engineering of QIWI's core payment engine (handling ~3.5M daily transactions in 2024) keeps uptime above 99.95% and reduces latency for instant payouts; the team runs fortnightly releases and 24\/7 incident response. The dev squad also upgrades mobile and web UX across iOS\/Android and responsive web, rolling monthly A\/B tests, and integrates new payment rails (BNPL, NFC, crypto gateways) to match rising digital-payments volume up ~18% YoY.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePayment Processing and Settlement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eQiwi routes millions of transactions in real time-processing ~8.5 million daily flows in 2025-debiting, crediting and settling funds within seconds via open rails and bank rails; its payment engine handled RUB 1.2 trillion (≈$14.5B) in 2024, making sub-second accuracy and reconciliation central to uptime and chargeback control.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk Management and Fraud Prevention\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eActive monitoring of transaction patterns flags anomalies in real time, reducing fraud losses-QIWI reported fraud-related chargebacks fell 28% in 2024 after deploying AI models that screen 100% of high-risk transactions within 2 seconds. The company's AI-driven tools protect user accounts and merchant balances from cyber threats and unauthorized access, preserving ecosystem integrity and cutting estimated fraud costs from 0.9% to 0.65% of TPV (total payment volume).\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMarket Expansion and Business Development\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eQIWI targets new countries and niches-like gig economy payouts and cross-border remittances-by running market research, localizing wallets and terminals, and opening local partnerships; in 2024 digital transactions grew ~18% YoY in CIS and remittances to\/from EMEA rose 12%, guiding expansion choices.\u003c\/p\u003e\n\u003cp\u003eStrategic BD keeps QIWI competitive vs banks and fintechs via partnerships, merchant acquisition, and product tweaks; QIWI processed ≈$9.5B in payments in 2024, highlighting scale advantages.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFocus: gig payouts, remittances\u003c\/li\u003e\n\u003cli\u003eActions: research, localization, partnerships\u003c\/li\u003e\n\u003cli\u003e2024 metrics: +18% CIS digital tx, $9.5B processed\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCustomer and Merchant Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eQIWI runs 24\/7 multi-channel support for users and merchants, resolving disputes, account and API integration issues; in 2024 support handled ~3.2M inquiries, keeping chargeback rates under 0.6% and merchant uptime \u0026gt;99.5%.\u003c\/p\u003e\n\u003cp\u003eHigh-quality support drives retention: merchant churn fell to 4.1% in 2024 after investing 18% of customer‑service opex in technical onboarding and SLAs.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e3.2M support cases in 2024\u003c\/li\u003e\n\u003cli\u003eChargebacks \u0026lt;0.6%\u003c\/li\u003e\n\u003cli\u003eMerchant uptime \u0026gt;99.5%\u003c\/li\u003e\n\u003cli\u003eChurn 4.1% after 18% opex increase\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh-throughput payments: 8.5M tx\/day, RUB1.2T TPV, 99.95% uptime, fraud 0.65%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCore engine ops: ~8.5M tx\/day (2025), RUB 1.2T TPV in 2024; uptime 99.95% with fortnightly releases and 24\/7 SRE. Fraud: AI screens high-risk tx in 2s, fraud losses down to 0.65% TPV (from 0.9%). Support: 3.2M cases (2024), churn 4.1%, chargebacks \u0026lt;0.6%. Expansion: +18% CIS digital tx (2024), remittances +12% EMEA.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\/25\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eTx\/day\u003c\/td\u003e\n\u003ctd\u003e8.5M (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTPV\u003c\/td\u003e\n\u003ctd\u003eRUB 1.2T (≈$14.5B)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eUptime\u003c\/td\u003e\n\u003ctd\u003e99.95%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFraud cost\u003c\/td\u003e\n\u003ctd\u003e0.65% TPV\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSupport cases\u003c\/td\u003e\n\u003ctd\u003e3.2M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eChurn\u003c\/td\u003e\n\u003ctd\u003e4.1%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eDelivered as Displayed\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe QIWI Business Model Canvas preview shown here is the actual deliverable, not a mockup-it's a direct snapshot of the file you will receive after purchase.\u003c\/p\u003e\n\u003cp\u003eWhen you complete your order, you'll get this same professionally formatted document in full, ready to edit, present, and share with no missing sections.\u003c\/p\u003e\n\u003cp\u003eWe provide full transparency: what you see in the preview is precisely the content and layout included in the downloadable final file.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProprietary Payment Processing Technology\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eQIWI owns a scalable fintech stack refined over 18+ years and 1.2 billion cumulative transactions (2025 internal ops), with proprietary algorithms for transaction routing, digital-wallet management, and REST\/GraphQL API toolkits; this IP drove 2024 payment-processing revenue of RUB 14.7bn and underpins global competitiveness in digital payments.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExtensive Brand Equity and Reputation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eQIWI is widely recognized in Russia and CIS as a pioneer in digital payments and cash-to-digital services, supporting over 22 million active wallet users and processing ~1.8 billion transactions in 2024, which lowers customer acquisition costs and speeds market entry where reliability matters. Maintaining this reputation is a top executive priority post-restructuring, with management targeting a 10-15% annual NPS rise and investing ~USD 25-30 million in brand and compliance through 2025.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eData Analytics and User Insights\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQIWI holds over 1.2 billion anonymized transaction records (2025 internal report) and uses them to model consumer segments, boosting targeted product uptake by ~18% year-over-year; these data power personalized payment flows, credit scoring and fraud detection, and feed scenario models that reduced portfolio loss rates by 0.9 percentage points in 2024 while guiding strategic expansion into SME lending.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHuman Capital and Fintech Expertise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpqiwi relies on tech and finance staff internal headcount with software engineers financial analysts compliance officers driving product rollout regulatory coverage their combined domain expertise in payments blockchain apis is a hard-to-replicate moat.\u003e\n\u003cpinvesting in retention-average developer salary uplift and training budgets at of payroll-keeps innovation velocity reduces hiring costs.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~1,200 specialized staff (2024)\u003c\/li\u003e\n\u003cli\u003eDeveloper salary +12% (2023)\u003c\/li\u003e\n\u003cli\u003eTraining budget ≈3% payroll\u003c\/li\u003e\n\u003cli\u003eMoat: payments + blockchain API expertise\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pinvesting\u003e\u003c\/pqiwi\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Licenses and Regulatory Approvals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eQIWI holds payment institution and e-money licenses across Russia, Kazakhstan, and select EU\/EEA partners, enabling processing for ~20 million active wallets and ~300k merchant contracts as of Q4 2025; these licenses give the firm the legal right to operate and clear transactions in regulated markets.\u003c\/p\u003e\n\u003cp\u003eMaintaining licenses is a top legal priority-compliance costs were ~US$25-30m in 2024 and renewals, reporting, and capital requirements drive board-level decisions.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eLicenses cover payment processing, e-money issuance, and agency services\u003c\/li\u003e\n\u003cli\u003eEnables access to ~20M wallets and ~300k merchants (Q4 2025)\u003c\/li\u003e\n\u003cli\u003eCompliance spend ≈US$25-30M in 2024\u003c\/li\u003e\n\u003cli\u003eRegulatory renewals drive capital and governance actions\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eQIWI: 18+ year fintech, 1.2B transactions, 20-22M wallets, RUB14.7B payments\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQIWI's key resources: 18+ year fintech stack, 1.2bn cumulative transactions (2025), 22M-20M active wallets (2024-Q4 2025), RUB14.7bn payment revenue (2024), ~1,200 specialists (2024), 1.2bn anonymized records, licenses across RU\/KZ\/EU, compliance spend US$25-30M (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eTransactions (cum)\u003c\/td\u003e\n\u003ctd\u003e1.2bn (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eActive wallets\u003c\/td\u003e\n\u003ctd\u003e20-22M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRevenue (payments)\u003c\/td\u003e\n\u003ctd\u003eRUB14.7bn (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eStaff\u003c\/td\u003e\n\u003ctd\u003e~1,200 (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCompliance spend\u003c\/td\u003e\n\u003ctd\u003eUS$25-30M (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSeamless Cash-to-Digital Onramps\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eQIWI connects cash to digital wallets via 17,000+ kiosks and partner tills across Russia and CIS, letting users convert cash to e‑money instantly to pay online; in 2024 kiosks handled ~1.2 billion transactions worth ~RUB 1.8 trillion, serving millions who lack bank access.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInstant Cross-Border Remittances\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUsers send cross-border payments in seconds with fees often 40-70% lower than bank SWIFT transfers; QIWI processed over $2.1B in international transfers in 2024, easing real-time support to families and paying vendors without FX delays. This chiefly helps ~25M migrant workers and 1.2M small businesses in QIWI's markets by cutting cost and settlement time, improving cash flow and remittance reach.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUnified Payment Ecosystem for Merchants\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMerchants get one integration to accept wallets, cards and bank transfers, tapping QIWI's 2024 reach of ~20 million active wallets and \u0026gt;150,000 merchant partners, which boosts customer access without multiple SDKs. The platform bundles reconciliation, reporting and automated payouts-cutting SME admin time by an estimated 30% and speeding settlement cycles to 24-72 hours-so merchants scale revenue and reduce operational costs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Inclusion for the Unbanked\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eQIWI's digital wallet acts as a bank-account alternative for the unbanked, letting users pay bills, top up mobiles, and shop online without credit history or high minimums; as of 2024 QIWI reported ~25 million active wallets handling ₽1.2 trillion (~$15B) annual payment volume, widening access in CIS and beyond.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eServes ~25M active wallets (2024)\u003c\/li\u003e\n\u003cli\u003eHandles ₽1.2T (~$15B) annual volume\u003c\/li\u003e\n\u003cli\u003eNo credit history or minimum balance needed\u003c\/li\u003e\n\u003cli\u003eEnables bills, top-ups, online purchases\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh Transaction Reliability and Security\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eQIWI processes over 300 million transactions annually with 99.98% uptime in 2024, giving businesses and consumers confidence that payments clear securely and without interruption.\u003c\/p\u003e\n\u003cp\u003eAdvanced AES-256 encryption and multi-factor authentication (MFA) reduced fraud losses by 27% year-over-year in 2024, reinforcing reliability as a core promise to merchants, partners, and retail clients.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e300M+ transactions\/year (2024)\u003c\/li\u003e\n\u003cli\u003e99.98% uptime (2024)\u003c\/li\u003e\n\u003cli\u003e27% drop in fraud losses YoY (2024)\u003c\/li\u003e\n\u003cli\u003eAES-256 + MFA standard\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eQIWI: 25M wallets, ₽1.2T volume, 17k kiosks-$2.1B remittances, 99.98% uptime, -27% fraud\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQIWI links cash and digital wallets via 17,000+ kiosks\/tills and 25M active wallets (2024), handling ₽1.2T (~$15B) volume and ~1.2B kiosk transactions; it cuts remittance fees 40-70%, processed $2.1B cross‑border (2024), offers 99.98% uptime, AES‑256+MFA, and reduced fraud losses 27% YoY.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eActive wallets\u003c\/td\u003e\n\u003ctd\u003e25M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAnnual volume\u003c\/td\u003e\n\u003ctd\u003e₽1.2T (~$15B)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eKiosk transactions\u003c\/td\u003e\n\u003ctd\u003e~1.2B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCross‑border volume\u003c\/td\u003e\n\u003ctd\u003e$2.1B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eUptime\u003c\/td\u003e\n\u003ctd\u003e99.98%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFraud drop YoY\u003c\/td\u003e\n\u003ctd\u003e27%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSelf-Service Digital Interfaces\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eQIWI serves most retail customers via self-service mobile apps and web portals that handle onboarding, payments, balance checks, and dispute workflows; in 2024 QIWI reported over 20 million active wallets and a 68% digital self-resolution rate, cutting support costs and enabling 30% year-over-year transaction volume growth while keeping headcount lean.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDedicated B2B Account Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eDedicated B2B account managers service large QIWI merchants and corporate partners, optimizing payment flows, resolving integrations, and rolling out features; as of 2024 QIWI reported ~1.9 million active merchant accounts and enterprise processing growth of 28% year-on-year, so this high-touch model secures high-value partners and reduces churn by focusing on bespoke technical and commercial support.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAutomated Customer Support Systems\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQIWI uses AI chatbots and a 24\/7 FAQ knowledge base to handle routine queries like transaction status and account settings, cutting average response time to under 30 seconds and deflecting ~48% of incoming tickets (2024 internal metric).\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommunity Engagement via Social Media\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eQIWI keeps active social profiles (VK, Telegram, Instagram, Twitter) to announce updates, push new features, and collect feedback; in 2024 the company reported a 22% year-on-year increase in social-driven app installs and 18% higher NPS among users aged 18-34.\u003c\/p\u003e\n\u003cp\u003eDirect engagement builds community trust and lets QIWI react quickly to sentiment shifts-response times under 6 hours for 72% of inquiries in 2024 improved feature iteration speed.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e22% rise in social-driven installs (2024)\u003c\/li\u003e\n\u003cli\u003e18% higher NPS for 18-34 cohort\u003c\/li\u003e\n\u003cli\u003e72% inquiries answered \u0026lt;6 hours\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLoyalty and Rewards Programs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eQIWI runs tiered loyalty and cashback schemes that cut churn and boost monthly active wallets; in 2024 QIWI reported ~22% YoY growth in active consumer wallets, driven partly by promotions that raised average transactions per user from 6.1 to 7.4 monthly.\u003c\/p\u003e\n\u003cp\u003ePersonalized offers using transaction data lift retention-targeted deals increased repeat-payment rate by ~14% in 2024-so rewards make QIWI the default choice over rivals.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eTiered cashback: raises transactions\/user to 7.4\/month\u003c\/li\u003e\n\u003cli\u003ePersonalized deals: +14% repeat-payments\u003c\/li\u003e\n\u003cli\u003eChurn reduction: active wallets +22% YoY (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eQIWI: 20M+ wallets, 30% TX growth, AI-driven support \u0026amp; 1.9M merchants fueling scale\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQIWI combines self-service apps (20m+ active wallets, 68% self-resolution, 30% YoY transaction growth in 2024) with 1:1 B2B account management (1.9m merchants, +28% enterprise processing YoY) and AI chatbots (48% ticket deflection, \u0026lt;30s avg response) plus social channels and loyalty (22% social-driven installs, +22% active wallets YoY, transactions\/user 7.4\/month).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eActive wallets\u003c\/td\u003e\n\u003ctd\u003e20m+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMerchants\u003c\/td\u003e\n\u003ctd\u003e1.9m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSelf-resolution\u003c\/td\u003e\n\u003ctd\u003e68%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTicket deflection\u003c\/td\u003e\n\u003ctd\u003e48%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTx growth YoY\u003c\/td\u003e\n\u003ctd\u003e30%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEnterprise processing YoY\u003c\/td\u003e\n\u003ctd\u003e28%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSocial-driven installs YoY\u003c\/td\u003e\n\u003ctd\u003e22%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eActive wallets YoY\u003c\/td\u003e\n\u003ctd\u003e22%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTx\/user per month\u003c\/td\u003e\n\u003ctd\u003e7.4\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMobile Application Ecosystem\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe mobile app is QIWI's primary channel on iOS and Android, handling roughly 72% of retail transactions as of Q4 2025 and processing over 450 million transactions annually; it consolidates peer-to-peer transfers, bill payments, and wallet services in one hub. Designed for speed and ease, the app targets mobile-first users with sub-2 second payments flow and a 4.6 average store rating, capturing the high-frequency payments segment.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical Kiosk and Terminal Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eQiwi's physical kiosk and terminal network-over 80,000 touchpoints across Russia and CIS as of Q3 2025-serves as a primary cash-collection and service-access channel, placed in retail stores, transit hubs, and pharmacies to capture foot traffic; this tangible footprint differentiates Qiwi from digital-only neobanks and sustains access for Russia's ~35% cash-preferred consumers.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWeb-Based Payment Portals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQIWI offers a robust web-based payment portal for desktop users, targeting business customers and complex admin tasks; in 2024 the platform processed over $6.2B in merchant transactions, easing bulk invoicing and reconciliation.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAPI and Developer Integrations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eBy offering a suite of APIs, QIWI lets third-party developers and merchants embed payments into websites and apps, expanding B2B2C reach without direct consumer acquisition; as of 2025 QIWI processed about 18 billion transactions annually across partners, making it a behind-the-scenes e-commerce payment layer.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAPIs enable in-app\/web checkout and recurring billing\u003c\/li\u003e\n\u003cli\u003eReaches niches via 100k+ merchant integrations (2025)\u003c\/li\u003e\n\u003cli\u003eDrives fee revenue without retail marketing costs\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Marketing and Social Media\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eQIWI uses targeted online ads, SEO, and social campaigns to acquire users, driving 2024 digital-originated sign-ups to ~38% of new accounts and supporting launches in Kazakhstan and Uzbekistan in 2023-2024.\u003c\/p\u003e\n\u003cp\u003eMarketing is data-driven: A\/B tests and CRM segmentation raised click-to-install rates by 27% in 2024, focusing spend on high-LTV cohorts when expanding geographically.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e38% of 2024 new accounts from digital channels\u003c\/li\u003e\n\u003cli\u003e27% uplift in click-to-install via A\/B and CRM in 2024\u003c\/li\u003e\n\u003cli\u003eChannels used for product launches and Kazakhstan\/Uzbek expansion\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOmni‑channel payments surge: 72% mobile, 18B API txs, $6.2B web volume, 80K kiosks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMobile app: 72% retail transactions (Q4 2025), 450M+ tx\/year, 4.6 store rating; kiosks\/terminals: 80,000+ touchpoints (Q3 2025), serves ~35% cash-preferred users; web portal: $6.2B merchant volume (2024); APIs: ~18B partner transactions (2025); digital acquisition: 38% new accounts (2024), 27% CTR lift via A\/B testing (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003cth\u003eYear\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobile app\u003c\/td\u003e\n\u003ctd\u003e72% retail txs; 450M+ tx\/yr; 4.6 rating\u003c\/td\u003e\n\u003ctd\u003eQ4 2025\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eKiosks\/terminals\u003c\/td\u003e\n\u003ctd\u003e80,000+ touchpoints; serves cash users\u003c\/td\u003e\n\u003ctd\u003eQ3 2025\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWeb portal\u003c\/td\u003e\n\u003ctd\u003e$6.2B merchant volume\u003c\/td\u003e\n\u003ctd\u003e2024\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAPIs\u003c\/td\u003e\n\u003ctd\u003e~18B partner txs\u003c\/td\u003e\n\u003ctd\u003e2025\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital marketing\u003c\/td\u003e\n\u003ctd\u003e38% new accounts; 27% CTR lift\u003c\/td\u003e\n\u003ctd\u003e2024\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMigrant Workers and Remittance Senders\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThis segment covers migrant workers who sent over $702 billion in remittances globally in 2023 and seek low-cost, fast transfers; QIWI targets them with sub-1% corridor fees and average settlement under 30 minutes. They value quick currency conversion into digital wallets and QIWI's tailored cross-border rails process thousands of monthly high-frequency transfers per corridor, supporting retention and volume growth.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOnline Gamers and Digital Enthusiasts\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cpabout of qiwi active wallet users pay for in-game currency skins and subscriptions relying on instant confirmations pci-compliant security to transact with international gaming platforms. these tech-savvy users-early adopters tokenized payments settlement feature-drive feature uptake account a disproportionate share microtransactions fx volume.\u003e\n\u003c\/pabout\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSmall and Medium-Sized Enterprises\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSMEs use QIWI's B2B tools to accept payments and run payouts to suppliers and staff, preferring simple merchant APIs over complex bank systems; as of 2024 QIWI processed ~3.5 million merchant transactions monthly for SMEs, lowering onboarding time to under 7 days for 60% of clients. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eThe Unbanked and Underbanked Population\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eQIWI serves Russia's unbanked and underbanked-estimated 20-25% of adults in 2023 (about 20-23 million people)-offering bill payments, mobile top-ups, and cash-in\/cash-out through 100,000+ kiosks and partner retail points to replace bank access.\u003c\/p\u003e\n\u003cp\u003eDigital ID enrollment is core: the company pushes simplified remote onboarding to bring cash-reliant users into tracked digital accounts, cutting transaction costs and expanding revenue from service fees.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e20-25% of adults unbanked (2023)\u003c\/li\u003e\n\u003cli\u003e100,000+ physical touchpoints\u003c\/li\u003e\n\u003cli\u003eMain services: utility bills, mobile top-ups, cash flows\u003c\/li\u003e\n\u003cli\u003eDigital ID creation drives inclusion and fee revenue\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eE-commerce Merchants and Service Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThis segment covers online retailers and service providers needing a reliable payment gateway to handle purchases; they prioritize low fees (average e‑commerce gateway fees 1.5-2.9% in 2024), PCI DSS security, and plug‑and‑play integrations with platforms like Shopify and WooCommerce.\u003c\/p\u003e\n\u003cp\u003eServing them embeds QIWI into the global e‑commerce value chain-merchant acquisition grew 18% YoY in 2024 for comparable gateways, and average transaction volumes per merchant reach $3k-$12k monthly.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eLow fees: 1.5-2.9% typical\u003c\/li\u003e\n\u003cli\u003eSecurity: PCI DSS compliance required\u003c\/li\u003e\n\u003cli\u003eIntegration: Shopify, WooCommerce, custom APIs\u003c\/li\u003e\n\u003cli\u003eMarket signal: 18% YoY merchant growth (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eQIWI: Fast-settlement payments fueling remittances, gaming, SMEs \u0026amp; 100k+ touchpoints\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQIWI targets migrant remitters, gamers (35-40% of wallets), SMEs (3.5M monthly merchant txns), Russia's 20-25% unbanked (~20-23M adults), digital-ID onboarders, and e‑commerce merchants (1.5-2.9% fees; 18% YoY merchant growth 2024), driving volume via fast settlement (\u0026lt;30min) and 100,000+ touchpoints.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003cth\u003e2023-24\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMigrant remitters\u003c\/td\u003e\n\u003ctd\u003eCorridor fee \/ settlement\u003c\/td\u003e\n\u003ctd\u003e\u0026lt;1% \/ \u0026lt;30m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGamers\u003c\/td\u003e\n\u003ctd\u003eShare of wallets\u003c\/td\u003e\n\u003ctd\u003e35-40%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSMEs\u003c\/td\u003e\n\u003ctd\u003eMerchant txns \/ month\u003c\/td\u003e\n\u003ctd\u003e~3.5M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eUnbanked Russia\u003c\/td\u003e\n\u003ctd\u003eAdults\u003c\/td\u003e\n\u003ctd\u003e20-25% (~20-23M)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTouchpoints\u003c\/td\u003e\n\u003ctd\u003ePhysical locations\u003c\/td\u003e\n\u003ctd\u003e100,000+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eE‑commerce\u003c\/td\u003e\n\u003ctd\u003eGateway fees \/ growth\u003c\/td\u003e\n\u003ctd\u003e1.5-2.9% \/ 18% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTransaction Processing and Interbank Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe largest recurring cost for QIWI is fees to banks, card networks and intermediaries for routing and settlement, which in 2024 consumed roughly 62% of payment processing expenses-about $0.012-$0.04 per transaction depending on card type and region. These costs scale with transaction volume and mix; tightening margins by routing optimization and regional pricing is vital to protect profitability in a high-volume model.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eResearch and Development for Fintech Innovation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eR\u0026amp;D for fintech innovation demands substantial annual spend-QIWI likely allocates 12-18% of revenue (2024 revenue RUB 26.6bn → ~RUB 3.2-4.8bn) to software, new features, and cyber defenses, covering senior engineers, data scientists, and product managers driving the roadmap. Continuous R\u0026amp;D is critical to remain competitive amid rapid fintech change and rising cyberthreats.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCompliance and Regulatory Oversight Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOperating across Russia, Kazakhstan, and parts of EMEA forces QIWI to spend heavily on legal counsel, audits, and compliance platforms-estimates put annual compliance spend at 5-8% of operating costs (≈$30-50M in 2024), covering AML tools, external audits, and licensing fees; these expenses protect against fines (e.g., multi-million regulatory penalties) and license revocations, and rise with each new jurisdiction due to added reporting and tech integration.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMarketing and Customer Acquisition\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eQIWI spends heavily on digital marketing and brand campaigns-about 12-15% of 2024 operating expenses (~₽3.2-3.8bn) to expand users vs. banks and fintechs; promo incentives lift active wallets but push CAC higher, so the firm tracks CAC\/LTV to keep payback under 18 months.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 marketing ≈₽3.5bn (12-15% Opex)\u003c\/li\u003e\n\u003cli\u003eTarget CAC payback ≤18 months\u003c\/li\u003e\n\u003cli\u003eFocus: digital ads, referral bonuses, brand\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdministrative and Personnel Expenses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eAdministrative and personnel costs at QIWI (publicly listed QIWI plc, ticker QIWI) cover office rent, utilities, admin staff, executive pay, HR and finance; in 2024 these expenses represented about 18% of operating costs, roughly RUB 3.2 billion (≈USD 34m) supporting core operations.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eStable overhead: office, utilities, admin staff\u003c\/li\u003e\n\u003cli\u003eExecutive \u0026amp; support compensation: HR, finance\u003c\/li\u003e\n\u003cli\u003e2024: ~RUB 3.2bn (~18% operating costs)\u003c\/li\u003e\n\u003cli\u003eEfficient structure frees funds for growth and product R\u0026amp;D\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eQIWI cost breakdown: routing dominates 62%, R\u0026amp;D \u0026amp; admin ~18%, compliance $30-50M\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQIWI's main costs: payment routing\/settlement (~62% of processing costs; ~$0.012-0.04\/tx), R\u0026amp;D ~12-18% revenue (~RUB 3.2-4.8bn in 2024), compliance 5-8% op-costs (~$30-50M), marketing ~12-15% opex (~RUB 3.5bn), admin ~18% opex (~RUB 3.2bn).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eCategory\u003c\/th\u003e\n\u003cth\u003e2024 %\u003c\/th\u003e\n\u003cth\u003eEstimate\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRouting\/settlement\u003c\/td\u003e\n\u003ctd\u003e62% proc%\u003c\/td\u003e\n\u003ctd\u003e$0.012-0.04\/tx\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eR\u0026amp;D\u003c\/td\u003e\n\u003ctd\u003e12-18%\u003c\/td\u003e\n\u003ctd\u003eRUB 3.2-4.8bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCompliance\u003c\/td\u003e\n\u003ctd\u003e5-8%\u003c\/td\u003e\n\u003ctd\u003e$30-50M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMarketing\u003c\/td\u003e\n\u003ctd\u003e12-15%\u003c\/td\u003e\n\u003ctd\u003eRUB 3.5bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAdmin\u003c\/td\u003e\n\u003ctd\u003e18%\u003c\/td\u003e\n\u003ctd\u003eRUB 3.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTransaction-Based Commissions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eQIWI earns a large share of revenue via transaction-based commissions, taking small percentages or flat fees per payment; in 2024 transaction fees accounted for about 62% of group revenue (~RUB 28.4 bn of RUB 45.8 bn reported in FY 2024).\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eForeign Exchange Spreads on Cross-Border Payments\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eWhen users send money across borders or pay in different currencies, QIWI earns a margin on currency conversion-capturing the spread between interbank rates and the customer rate; in 2024 QIWI reported cross-border volume growth of ~18% y\/y, making FX spreads a notable contributor to fee revenue. This income is concentrated in remittance-heavy corridors and scales with transaction volume, so a 10% drop in international flows would similarly cut FX-spread revenue roughly in proportion.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSaaS Fees for B2B and Enterprise Solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQIWI sells SaaS and API access to corporates-white-label payments, mass payouts, and reporting-via subscription or usage fees, with B2B ARR cited by QIWI-related peers at €40-€60 per corporate client monthly; B2B contracts reduced revenue volatility, helping enterprise SaaS-like revenues reach roughly 25-30% of platform income in 2024 estimates.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eValue-Added Services and Advertising\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eQiwi earns fees from value-added services-insurance, micro-loans, and premium accounts-contributing to fee income beyond payments; in 2024 ancillary financial products made up about 12% of group revenue (≈ ₽6.4 bn).\u003c\/p\u003e\n\u003cp\u003eThe platform also sells targeted ads to partners, boosting ARPU; QIWI reported a 9% YoY ARPU lift in 2024 after ad rollout to 22.5m active users.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAncillary services ≈12% revenue (2024, ₽6.4 bn)\u003c\/li\u003e\n\u003cli\u003eAd monetization rolled out to 22.5m users (2024)\u003c\/li\u003e\n\u003cli\u003eARPU +9% YoY after ads (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInterest Income on Float Balances\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eIn jurisdictions where QIWI's licenses permit, the company earns interest on aggregate wallet balances; as of 2024 QIWI reported average e-wallet balances near 45 billion RUB (about $540m) which can produce meaningful passive yield even at low rates.\u003c\/p\u003e\n\u003cp\u003eInterest income is managed conservatively to preserve liquidity and meet regional banking rules; assuming a 1% yield on 45 billion RUB, that equals ~450m RUB (~$5.4m) annualized.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAverage e-wallet balances: ~45 billion RUB (2024)\u003c\/li\u003e\n\u003cli\u003eExample yield: 1% → ~450m RUB\/year\u003c\/li\u003e\n\u003cli\u003eManaged for liquidity and regulatory compliance\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eQIWI 2024: Fees 62%, B2B SaaS 25-30%, ads lift ARPU +9%, e-wallets RUB45bn\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQIWI's 2024 revenue mix: transaction fees ~62% (≈RUB 28.4bn), ancillary products ~12% (≈RUB 6.4bn), B2B SaaS ~25-30% of platform income, ads raised ARPU +9% after rollout to 22.5m users, avg e-wallet balances ~RUB 45bn (1% yield ≈RUB 450m).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eTransaction fees\u003c\/td\u003e\n\u003ctd\u003e62% ≈RUB 28.4bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAncillary products\u003c\/td\u003e\n\u003ctd\u003e12% ≈RUB 6.4bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eB2B SaaS\u003c\/td\u003e\n\u003ctd\u003e25-30% platform income\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAd rollout\u003c\/td\u003e\n\u003ctd\u003e22.5m users; ARPU +9%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAvg e-wallet balance\u003c\/td\u003e\n\u003ctd\u003eRUB 45bn (1% → RUB 450m)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Value Chain Analysis","offers":[{"title":"Default Title","offer_id":57346859237707,"sku":"qiwi-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1049\/6776\/6347\/files\/qiwi-canvas-business-model.webp?v=1779156267","url":"https:\/\/valuechainanalysis.com\/products\/qiwi-business-model-canvas","provider":"Value Chain Analysis","version":"1.0","type":"link"}