Get paid and send money in the blink of an eye. Join the Kem App Revolution.

Sending money should be as simple as updating your social media profile, but for many customers in Kuwait, old-fashioned banking methods make it a time-wasting headache.

Enter Kem, a bright new QR-code payment app that’s set to change the way you send and receive money. But what is Kem App, and how is it shaking up the scene?

Time is precious. You need every second you can to run your new business, write that overdue assignment and, let’s face it, catch up with the new series of The Witcher on Netflix. 

But instead, you waste far too much of it trying to send money. Outdated bank apps keep you waiting for payment links, ask you to snoop around for your IBAN, and take an eternity to transfer the money.

Then they charge you for the privilege. 

Kem App is here to put you back in control of your time.

Smart, simple, and free of charge, we use one QR code to get your money flowing. That’s it.

With just a few taps of your screen, you can request payments, securely send money, and manage your finances – all without costing you a dinar. 

Welcome to the world of Kem, where time is money — and we’re here to save you both. 

Sick of waiting around for IBANs and payment links? Kem’s QR code payments app takes the pain out of money transfers by letting you receive and send money in seconds.

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What is Kem App? The QR-based payment service that hates to keep you waiting

Digital payments surged in Kuwait post-pandemic. Now we pay for a taxi, pick up a restaurant bill, and even get our morning coffee via our phone or card. 

So why can’t we also easily receive money or pay back friends and family, seeing as cash is on its way out? If you run a business, your customers will also now expect digital payments.

Yet, many people in the Gulf can’t do this without the issue of slow and inconvenient payment links and IBAN entries.

Seth Sadeq and his team of financial experts saw that the region’s banking system needed a boost, so they decided to help. 

After living in California and studying the thriving US fintech industry up close, they decided to bring what they learned back home.

In 2021, they launched a simple and instant app and digital wallet with a single goal: to make it easier to send and receive money among friends.

They chose a name that reflects their commitment to simple transactions: Kem. A versatile Arabic word that gets straight to the point, with no fuss. 

Kem syncs with your contacts list so that you can start receiving and sending money 

within seconds. Using an intuitive app, you can make smarter transactions by:

• Clicking on a contact’s name, instead of entering a 30-character IBAN
• Scanning a QR code instead of waiting around for a payment link
• Sending or requesting instant payments to several people instead of one at a time
• Building and storing value in your Kem wallet, instead of letting it lie idle in a bank account

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Seth and his team wanted to combine these revolutionary features with the security of the Kuwaiti banking system so that customer safety is always number one priority.

“Kem has integrated with Kuwaiti banks in order to provide a bespoke service for local residents on a platform they’re comfortable with,” says Seth. “We want to bring financial security to the residents of Kuwait.”

Kem believes unlocking this financial freedom should be within the reach of every Kuwaiti resident, so we made our free app available in just a few clicks from the Apple Store and Google Play. 

Start using instant payments almost instantly. Sign up in just 15 seconds on Google Play or the App Store.

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How Kem makes simple and secure instant payments 

Ask any member of Kem the question, “What is Kem App?”, and the answer will be based upon two core principles: simplicity and security.

Our technical experts combine the agility of digital technology with the solidity of old-world banking systems to bring you lightning-quick secure payments. 

Let’s take a deep dive into how we do this. 

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No more scams and errors: Kem’s bullet-proof security

Ever sent money to the wrong person? 

It’s easily done. Almost a quarter of peer-to-peer (P2P) users did this in 2022, particularly Gen Zers (aged under 25) who face a higher risk than anyone else.

Scams are also a real concern, affecting one in seven of us. 

The frequency of errors and scams on P2P apps

Kem makes sure your money never gets lost – payment links and IBAN codes can’t fall into the wrong hands if they don’t exist.

We encrypt all of your data before we store it in your trusty QR code so that it’s impossible for anyone else to read.

We use PIN, entry, Touch ID, and facial recognition technology so only you can sign in to your account.

Each transaction will trigger an instant push notification so you can promptly detect any unauthorised activity.

Plus we know what it takes to protect you from fraud, so you won’t get any unauthorised charges.

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Kem’s face-ID and secure PIN login system

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Tap, scan, pay: Power instant transactions with Kem’s QR codes

Payment links aren’t just a pain in the neck: scammers also use them to defraud people.

The Central Bank of Kuwait recently set limits on how many links you can use in light of this. 

With Kem, none of this will apply to you. 

All you need to do is type your contact’s name (not a 30-character IBAN) into the app search and zap their QR code. Your payment will be ready to go immediately and will safely land in your friend’s account in seconds.

You can also instantly share your code with friends so that you can set up e-transfers with them.

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Send instantly with Kem’s simple QR-code technology

Your money, your rules: Take control of your finances with Kem

You worked hard for your money, so you deserve to have full control over it. 

Yet, a 2023 study from Algonquin College Business School found that many Kuwaitis feel that most banks don’t provide the personalised services that give them full autonomy over their funds. 

We want to change that. We want to make it more personal. 

Kem App’s home screen gives you a complete overview of your account from where you can perform key actions, including

• View your transaction history, including dates, amounts, and contact details
• Request and send payments, to multiple people at the same time
• Deposit funds into your Kem wallet
• Edit your favourite contacts list for easy access

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Kem’s access-all-areas model lets you do what you want when you want – without jumping unnecessary hurdles.

It’s your money, after all. 

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No bank account? No problem 

Financial constraints, lack of documents, or just personal preferences, there are various reasons why almost a million people in Kuwait don’t have a bank account.

If you’re one of them, then Kem doesn’t judge: you’re more than welcome to join us. We don’t need your bank details, just your ID. 

Our focus is on making instant payments accessible, so you can enjoy the benefits of a digital wallet without the barriers of traditional banking.

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The power of sharing: Connect Kem App with your friends, family, and customers

Building your Kem network is easy.

All you need to do is sync your phone’s contact list with our app to see which of your friends have Kem. If they have our green symbol next to their name, then you’re set up for instant transactions with them. 

Contacts that don’t have Kem App, like older relatives, won’t have the symbol next to their name. They may ask ‘What is Kem App?’ Our instant share feature makes answering this question easy: just click on their name and share. 

Anyone with a Kuwaiti bank account can use it, even your Uncle Khaled who hates technology.

You can even grow your Kem balance by earning up to 30 KWD for inviting friends. 

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Build your friend network with Kem App

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Seamless banking: Navigate Kem App with ease

Many bank apps disorient us with pop-ups and confusing on-screen instructions which eat away our time. 

Kem’s intuitive app will seem like a breeze in your hands in comparison. You’ll be able to:

• Connect instantly with your contacts:  Kem seamlessly syncs with your smartphone's contact list, enabling you to send money to friends and family without the hassle of manually entering details.
• Perform tasks with a few taps of the screen: The app's clean and straightforward design turns mundane tasks into a swift and breezy experience.
• Personalise your account with ease: Edit your contacts list, add payment notes, and customise your preferences in seconds
• Link your cards hassle-free: Kem accepts cards from a broad range of providers, including all Kuwaiti banks. 

Enjoy instant payment success with Kem

Get started in 15 seconds with Kem’s fast-track registration

Cast your mind back to the last time you opened a bank account in Kuwait and the complex list of instructions you had to follow. 

In contrast, you can get up and running in 15 seconds with Kem’s quick sign-up. We’re not a bank and we don’t have bundles of red tape for you to cut through. 

Instead, we connect you to our secure service that’s built on existing banking infrastructure with just your name, phone number, and username. 

Right away, you’ll see all your contacts with Kem App accounts who you can connect with. You can now send and request money using our QR code technology, and you can even add your profile picture so they can find you easily. 

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What is Kem App? The fastest-growing QR payment app in the Gulf region

Kem already has thousands of users, but we feel like we’re at the start of something big. 

Our current features include intuitive QR-code payments, a user-friendly interface, personalised accounts, and hassle-free card linking. 

But that's just the beginning. Soon, we'll be introducing even more options for you to take advantage of.  

Get ready for cross-border payments, allowing you to send money home or connect with international customers.

Stay tuned for investment opportunities where you can build wealth within our digital wallet. 

The journey with Kem is only getting started, and we're excited to have you along for the ride.

Ready to join the Kem revolution? Our QR-code-powered app will save you time and money when it comes to receiving payments or paying friends. Sign up today and get started within seconds.