On July 1, 2026, a collective settlement service for problematic loans began operating in Kazakhstan via the Finkelisim.kz platform. This service is designed for citizens whose loan arrears exceed 90 days. By submitting a single application, a borrower can settle debts across all banks and microfinance organizations (MFOs) where they hold loans. The service is completely free of charge and available to any citizen facing a difficult financial situation.