Kissht has become increasingly relevant for people living outside metro cities, where access to fast and formal financial help has traditionally been limited. Life in small towns and semi-urban areas follows a different pace. Income may be steady, but financial flexibility is often lower. When unexpected needs arise, people usually have fewer immediate options. In non-metro regions, expenses tend to be practical rather than optional. A medical visit, school fees, home repairs, or a temporary income gap can disturb daily planning. In the past, people depended heavily on banks, local lenders, or personal networks. Over time, digital lending has slowly started changing this situation by offering alternatives that are quicker and easier to access.