turanВестник университета «Туран»Bulletin of "Turan" University1562-29592959-1236Университет «Туран»10.46914/1562-2959-2024-1-2-25-37turan-4033Research ArticleЭКОНОМИКА: ИСТОРИЯ, ТЕОРИЯ, ПРАКТИКАECONOMY: HISTORY, THEORY, PRACTICEФинтех и COVID-19: размышления и соображения для финансового рынкаFintech and COVID-19: reflections and considerations for a financial markethttps://orcid.org/0000-0001-7480-3568ДосжанР. Д.DoszhanR. D.

PhD, доцент

г. Алматы

PhD, associate professor

Almaty

raiguldos2011@gmail.cohttps://orcid.org/0000-0001-7480-3568ДуттаАмитDuttaAmit

докторант

г. Алматы

PhD candidate

Almaty

Amitdutta79@yahoo.co.ukhttps://orcid.org/0000-0002-7354-4506КуановаЛ.KuanovaL. A.

PhD., ст. преподаватель

г. Алматы

PhD, senior lecturer

Almaty

kuanova.laura@kaznu.kzКазахский национальный университет им. аль-ФарабиКазахстанAl-Farabi Kazakh National UniversityKazakhstan202429062024022537Copyright © Досжан Р.Д., Дутта А., Куанова Л.A., 20242024Досжан Р.Д., Дутта А., Куанова Л.Doszhan R.D., Dutta A., Kuanova L.A.Данная работа распространяется под лицензией Creative Commons Attribution 4.0.This work is licensed under a Creative Commons Attribution 4.0 License.https://vestnik.turan-edu.kz/jour/article/view/4033

Быстрое появление и развитие индустрии финансовых технологий (Fintech) в Казахстане сделали ее одной из самых быстрорастущих областей во всех финансовых секторах страны. Она занимает лидирующие позиции по различным показателям, таким как объем финансовых транзакций и охват конечных пользователей ее услугами. Цифровое развитие страны и интернет-технологии способствуют росту отрасли, в которую также внесли свой вклад последствия пандемии. Несмотря на все трудности, вызванные COVID-19, экономика Казахстана претерпела значительные изменения, особенно в связи с ускоренным развитием финтех-технологий в банковской среде, где наблюдаются огромные темпы роста благодаря цифровизации. В статье представлены показатели одного из самых быстрорастущих и лидирующих банков в области цифровизации – Kaspi. Целью статьи является анализ текущего состояния рынка финансовых технологий страны на примере Kaspi Bank, который включает в себя выявление новых современных направлений развития финтех-технологий в банках и рассмотрение опыта развития Казахстана. В работе также нашли отражение понятие «финтех» и его основные направления развития в современном мире. Исследование проводилось с использованием различных методов, таких как статистический анализ, системный анализ, систематизация теоретических данных и наблюдение за экономическими процессами.

The rapid emergence and growth of the financial technology industry (Fintech) in Kazakhstan has made it one of the fastest growing areas in all financial sectors of the country. It occupies a leading position in various indicators, such as the volume of financial transactions and the coverage of end users of its services. The country's digital development and Internet technologies are contributing to the growth of the industry, where the impact of the pandemic has also contributed. Despite all the difficulties caused by COVID-19, the Kazakh economy has undergone significant changes, especially with the accelerated development of Fintech in the banking environment, where there are enormous growth rates due to digitalization. The article shows the metrics of Kaspi, one of the digitalization-leading and fastest-growing banks. The article's goal is to examine the current situation of Kazakhstan's financial technology market using Kaspi Bank as an example, which involves finding new, contemporary directions for Fintech development in banks and taking Kazakhstan's development experience into account. The work also reflects the concept of Fintech and its main directions of development in the modern world. The research was carried out using various methods, such as statistical analysis, system analysis, systematization of theoretical data and observation of economic processes.

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The authors declare that there are no conflicts of interest present.