After Kurmet, a hairdresser in Kazakhstan’s business capital, Almaty, finished a cut earlier this month, the customer reached for his phone to pay. This has been a standard scene for years. Kazakhs young and old have embraced banking apps with a passion. But things are changing. Kurmet had to say no on this occasion. “Sorry, brother, only cash, you understand, now it’s like that everywhere,” Kurmet told the client, a regular at his salon. The customer had to go out to the nearest ATM to pick up some cash to pay. “This is my fifth client today who has had to go out scrambling for cash,” Kurmet,…