{"product_id":"qiwi-pestle-analysis","title":"QIWI PESTLE Analysis","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eYour Shortcut to Market Insight Starts Here\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eDiscover how political shifts, economic volatility, and rapid tech change are reshaping QIWI's growth prospects—our concise PESTLE highlights key external risks and opportunities to inform smarter decisions; purchase the full analysis for an actionable, ready-to-use report that equips investors and strategists with deep, downloadable insights.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eolitical factors\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGeopolitical Sanctions and Market Isolation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOngoing Russia-West tensions in late 2025 keep QIWI constrained: sanctions have driven separation of Russian and international operations, with QIWI reporting a 38% fall in cross-border transaction volume in FY2024 versus 2021 levels and 60% of non-Russian revenue ring-fenced by mid-2025.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory Oversight by the Central Bank of Russia\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe revocation of QIWI Bank's license in March 2024 forced QIWI to divest banking operations and pivot to a payments-only model, cutting group revenue exposure from banking by an estimated 40% in 2024; by end-2025 the firm must keep transparent reporting and compliance to retain its payment-processing licenses and avoid fines (CBR penalties reached RUB 1.2bn across fintechs in 2024). Political pressure to meet national financial-security priorities continues to shape all strategic shifts.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGovernment Push for National Payment Systems\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe Russian government’s push for the National Payment Card System (Mir) and Faster Payments System (FPS) creates a state-favored market: Mir cards reached about 257 million transactions monthly in 2024 and FPS processed ~6.5 billion transfers in 2024, constraining private players.\u003c\/p\u003e\n\u003cp\u003eQIWI faces prioritization of these state-backed rails for domestic payments, which can divert volumes from electronic wallets; QIWI reported a 2024 active wallet decline of ~4% year-on-year.\u003c\/p\u003e\n\u003cp\u003eThis political drive toward financial sovereignty caps addressable market share for independent wallets, as regulation and state procurement increasingly favor Mir and FPS infrastructure.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExpansion into Neutral Jurisdictions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eFacing sanctions and regulatory headwinds, QIWI has pivoted investment and political outreach toward the UAE and CIS, where 2024 regional fintech funding rose 18% and the UAE attracted $3.5bn in fintech investment in 2024, offering comparatively stable regulatory frameworks versus EU\/US markets.\u003c\/p\u003e\n\u003cp\u003eSuccess hinges on managing local political nuances and diplomatic ties; QIWI’s regional revenue exposure increased after 2023, with MENA\/CIS operations accounting for an estimated 22% of group transaction volumes by 2025 projections.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 UAE fintech funding: $3.5bn; regional fintech funding growth: +18%\u003c\/li\u003e\n\u003cli\u003eMENA\/CIS projected share of QIWI transaction volumes: ~22% by 2025\u003c\/li\u003e\n\u003cli\u003eStrategic focus reduces EU\/US regulatory risk but raises requirement for local political navigation\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eData Sovereignty and Localization Policies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003ePolitical mandates forcing citizen data to reside within national borders compel QIWI to deploy localized servers, increasing capital expenditures—Russia's 2024 digital sovereignty rules raised compliance costs for payment firms by an estimated 8–12% of IT budgets.\u003c\/p\u003e\n\u003cp\u003eMaintaining operating licenses across Russia, Kazakhstan and other CIS states makes compliance a political necessity; noncompliance risks license revocations and regulatory fines up to 5% of annual turnover.\u003c\/p\u003e\n\u003cp\u003eFailure to meet sovereignty rules can trigger immediate political backlash and service suspensions, as seen in 2023–2024 actions against noncompliant fintechs that lost market access within weeks.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eIncreased capex: localized data centers raise IT spend 8–12%\u003c\/li\u003e\n\u003cli\u003eRegulatory risk: fines up to 5% of turnover\u003c\/li\u003e\n\u003cli\u003eOperational risk: rapid service suspensions observed in 2023–2024\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSanctions squeeze QIWI: cross‑border -38%, payments pivot as state rails and fines bite\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSanctions and Russia-West tensions limit QIWI’s cross-border volume (38% drop FY2024 vs 2021) and force a payments-only pivot after the 2024 bank license revocation; CBR fines hit RUB 1.2bn across fintechs in 2024. State rails (Mir: 257M monthly txns 2024; FPS: ~6.5bn transfers 2024) and data-localization rules (IT costs +8–12%) cap independent wallet growth; MENA\/CIS now ~22% of volumes by 2025.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCross-border volume change\u003c\/td\u003e\n\u003ctd\u003e-38% (FY2024 vs 2021)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMir monthly txns (2024)\u003c\/td\u003e\n\u003ctd\u003e257M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFPS transfers (2024)\u003c\/td\u003e\n\u003ctd\u003e6.5bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCBR fintech fines (2024)\u003c\/td\u003e\n\u003ctd\u003eRUB 1.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT cost rise (data localization)\u003c\/td\u003e\n\u003ctd\u003e+8–12%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMENA\/CIS share (2025)\u003c\/td\u003e\n\u003ctd\u003e~22%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eExplores how external macro-environmental factors uniquely affect QIWI across six dimensions—Political, Economic, Social, Technological, Environmental, and Legal—backed by current data and trends to identify threats and opportunities.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise, visually segmented QIWI PESTLE summary that clarifies regulatory, economic, and technological risks for quick inclusion in presentations or strategy sessions, editable for local context and easily shared across teams.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eE\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003economic factors\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eImpact of Ruble Volatility\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe persistent fluctuation of the Russian ruble—which swung roughly 20% versus the US dollar between 2023–2025—materially affects QIWI’s reported RUB-denominated revenues when converted for consolidated reporting, compressing FY2024 adjusted EBITDA margin by an estimated 2–3 percentage points versus a stable-currency scenario.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGrowth of the Gig Economy\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe gig economy in Eastern Europe and Central Asia grew by an estimated 12–15% annually through 2024, boosting demand for QIWI’s B2B payment rails as independent contractors seek low-cost payout options. QIWI’s digital wallet and merchant APIs are well-suited to capture this segment, which accounted for roughly 8–10% of regional digital transaction volume in 2024. Continued shift to freelance work supports QIWI’s transaction growth even amid GDP volatility and inflationary pressures. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInflationary Pressures on Operational Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cphigh inflation in qiwi core markets and cis where cpi hit increased labor kiosk hardware maintenance energy costs squeezing operating margins. to preserve profitability adjusted fee structures raising certain transaction fees by mid-single digits which risks churn among price-sensitive users. balancing cost-plus pricing with competitive rates is a critical economic challenge amid lingering gdp slowdown forecast of the region.\u003e\n\u003c\/phigh\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInterest Rate Environment\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eCentral bank rate hikes in Russia lifted QIWI's interest income, with higher yields on cash balances contributing an estimated RUB 1.2–1.8 bn incremental revenue in 2024 versus 2023, partially offsetting a ~10% decline in transaction fee revenue.\u003c\/p\u003e\n\u003cp\u003eHowever, elevated rates contracted consumer lending and spending, reducing transaction volumes and merchant acquiring growth, adding downside pressure to net fees and customer activation.\u003c\/p\u003e\n\u003cp class=\"lst_crct\"\u003e\u003c\/p\u003e\n\u003cli\u003eRUB 1.2–1.8 bn estimated extra interest income (2024)\u003c\/li\u003e\n\u003cli\u003e~10% drop in transaction fee revenue vs 2023\u003c\/li\u003e\n\u003cli\u003eHigh rates suppress consumer spending and transaction volumes\u003c\/li\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eShift Toward Digital Economies in Emerging Markets\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe shift from cash to digital in Kazakhstan and Uzbekistan—card and mobile transactions up ~35% YOY in 2024—creates major growth potential for QIWI as underbanked users move online.\u003c\/p\u003e\n\u003cp\u003eQIWI’s kiosk network serves as an on-ramp for these populations, converting cash users to digital wallets and payment rails; Kazakhstan’s non-cash penetration rose to ~42% in 2024.\u003c\/p\u003e\n\u003cp\u003eCapturing early adopters of electronic payments lets QIWI expand active users and transaction volume, supporting revenue growth amid rising digital acceptance.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e35% YOY growth in card\/mobile transactions (region, 2024)\u003c\/li\u003e\n\u003cli\u003e~42% non-cash penetration in Kazakhstan (2024)\u003c\/li\u003e\n\u003cli\u003eKiosk network enables onboarding of underbanked users\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRuble swings bite margins; regional digital growth and kiosks drive cashless onboarding\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eRuble volatility (±~20% 2023–2025) cut FY2024 adjusted EBITDA margin ~2–3 pp; RUB 1.2–1.8 bn extra interest income offset ~10% fall in transaction fees. Regional gig economy +12–15% p.a. to 2024 drove 8–10% of digital volume; Kazakhstan non-cash 42% (2024) and card\/mobile +35% YOY regionally, enabling kiosk-led onboarding of underbanked users.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRuble swing vs USD\u003c\/td\u003e\n\u003ctd\u003e~20%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAdj. EBITDA hit\u003c\/td\u003e\n\u003ctd\u003e2–3 pp\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInterest income lift\u003c\/td\u003e\n\u003ctd\u003eRUB 1.2–1.8 bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTxn fee decline\u003c\/td\u003e\n\u003ctd\u003e~10%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGig economy growth\u003c\/td\u003e\n\u003ctd\u003e12–15% p.a.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNon-cash (KZ)\u003c\/td\u003e\n\u003ctd\u003e42%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCard\/mobile growth\u003c\/td\u003e\n\u003ctd\u003e+35% YOY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003ePreview Before You Purchase\u003c\/span\u003e\u003cbr\u003eQIWI PESTLE Analysis\u003c\/h2\u003e\n\u003cp\u003eThe preview shown here is the exact QIWI PESTLE document you’ll receive after purchase—fully formatted, professionally structured, and ready to use.\u003c\/p\u003e\n\u003cp\u003eNo placeholders or teasers: the content, layout, and analysis visible in the preview are the final file available for immediate download following payment.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"MatrixBCG","offers":[{"title":"Default Title","offer_id":56751459107193,"sku":"qiwi-pestle-analysis","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/qiwi-pestle-analysis.png?v=1772231670","url":"https:\/\/matrixbcg.com\/products\/qiwi-pestle-analysis","provider":"matrixbcg.com","version":"1.0","type":"link"}