Beyond Banking: KBZPay’s Journey to Empowering 22 Million Lives

Today, KBZPay serves more than 22 million users, equivalent to nearly 60% of Myanmar’s adult population. By bringing together payments, transfers, lending, and everyday lifestyle services, it has become deeply embedded in the daily lives of people across the country.

Its adoption continues to accelerate. Annual transaction volume increased from 2.1 billion in 2024 to more than 3.8 billion in 2025—representing year-on-year growth of over 80% and demonstrating KBZPay’s rapidly expanding role in Myanmar’s digital economy.

Built on Huawei’s cloud-based platform, KBZPay provides a comprehensive suite of digital financial services, including a Digital Account, Digital Payment, Digital Loan, and Digital Deposit. Its open Super App architecture is supported by a one-stop mini-program platform, enabling third-party service providers to integrate mini apps quickly and seamlessly into the KBZPay ecosystem.

The platform delivers industry-leading capabilities across four dimensions:

• Always On: 99.999% system availability

• Built for Scale: Peak throughput of 18,000 transactions per second

• Secure by Design: Fraud prevention performance exceeding Six Sigma standards

• Nationwide Reach: A user base equivalent to 100% of Myanmar’s households

Powered by this robust digital foundation, KBZPay has achieved unprecedented scale—advancing financial inclusion, connecting consumers and businesses, and accelerating Myanmar’s nationwide digital transformation.