I like what you're saying but I don't think becoming a bank is the solution or the path they should take. If you want to use your Google analogy, then that's like saying Google should be the largest advertising agency in the world that every company should deal with. Take a look at your own article on Kaspi, Super Apps are rising to becoming tech category on their own, that's likely where the next Google is going to come from.
I like what you're saying but I don't think becoming a bank is the solution or the path they should take. If you want to use your Google analogy, then that's like saying Google should be the largest advertising agency in the world that every company should deal with. Take a look at your own article on Kaspi, Super Apps are rising to becoming tech category on their own, that's likely where the next Google is going to come from.