Paying for transit, buying tickets, renting scooters, and carsharing—transport scenarios are becoming an important part of a user’s daily transactional profile. Ecosystems strive to enclose all of a client’s movements within a single app.
Blockers and barriers to service development:
- Weak integration with regional transport operators (services are often limited to megacities).
- Slow refund processes for canceled trips or glitches in micromobility apps.
- A shortage of unified transit passes that would combine different types of transport within a super-app.
How to overcome barriers (Recommendations):
- Designing open APIs for the seamless connection of local transport providers in the regions.
- Creating hybrid subscriptions that combine cashback on taxi rides, free minutes on scooters, and discounted public transit fares.
Summary: Users need more than just payment tools; they need Mobility-as-a-Service (MaaS) solutions where the bank acts as an aggregator for all of the client’s transport needs.
These are insights from Rocket Tech’s research on user behavior in Kazakhstani financial ecosystems.
