Mikhail Lomtadze is a Georgian businessman, the self-made billionaire Co-founder, CEO, and Chairman of the Management Board of Kaspi.kz JSC (LSE: KSPI), the dominant fintech and e-commerce platform in Kazakhstan. His career is rooted in finance, auditing, and entrepreneurial disruption.

Lomtadze holds a B.B.A. in Management from Tbilisi European School of Management (Georgia) and an MBA from Harvard Business School (HBS). His philosophical approach centers on technological efficiency, mobile-first integration, and scale distribution of financial and e-commerce services (the Super App model).

• Kaspi.kz (Co-founder, CEO & Chairman): The core publicly traded asset, the dominant fintech, payments, and e-commerce platform in Kazakhstan (operating the Kaspi.kz super app).
• Fintech Pioneer: His success is built on disrupting traditional banking and pioneering the digital payments and loan market in Central Asia.
• Academic Background: He holds an MBA from HBS and a B.B.A. from Tbilisi European School of Management.
• Investment Strategy: His philosophy is rooted in long-term investment in mobile technology and financial infrastructure (leveraging the massive, untapped regional digital market).

Mikhail Lomtadze's strategic genius was his commitment to simplifying digital finance. He co-founded Kaspi.kz in 2007 (with Vyacheslav Kim, a major early investor). Lomtadze became CEO and drove the company's transformation from a traditional bank into a mobile Super App, integrating payments, marketplace, and financial services. His structural contribution is immense: pioneering the modern fintech ecosystem and driving financial inclusion in Kazakhstan.

The company successfully executed its IPO on the London Stock Exchange (LSE) in 2020 (raising $1 billion). His wealth is secured by his long-term equity stake in the publicly traded company and the colossal, future-focused valuation of the fintech and e-commerce sector.

Mikhail Lomtadze's social impact is structural, stemming from Kaspi.kz's role in providing essential digital financial services (payments, loans) that accelerate digital inclusion and economic growth for millions of Central Asian consumers. His company contributes significantly to financial transparency and efficiency. His personal philanthropy supports various community and educational initiatives.

His structural contribution is tied to the successful industrialization and scale of the Central Asian fintech sector.

Mikhail Lomtadze maintains the professional, composed style of a technology executive. His attire is consistently formal and high-quality, favoring tailored suits. His aesthetic reflects serious authority and stability, typical of a leader in the specialized fintech sector.

Residing in Almaty, Kazakhstan, his luxury is the immense security and financial reward derived from his multi-billion dollar fortune. His life is dedicated to fintech innovation, strategic management, and the long-term stewardship of the Kaspi.kz super app empire.