Kaspi.Kz: A Dominant Super App Cheaper Than PayPal

My name is Marc, I am a 24 year old investor from Germany with roots in Bosnia/Croatia, which inspired the name of my research profile Hajduk Research. I am currently a student and am starting my apprenticeship as an IT specialist end of 2026. In my 3 years of market experience I have developed a disciplined, data driven approach to investing by following my core philosophy which is Risk-Reward. I do not believe in fixed rules when it comes to investing, such as you have to concentrate your portfolio to a c ...