turanВестник университета «Туран»Bulletin of "Turan" University1562-29592959-1236Университет «Туран»10.46914/1562-2959-2025-1-3-371-386turan-4867Research ArticleТРИБУНА МОЛОДОГО ИССЛЕДОВАТЕЛЯPLATFORM OF YOUNG RESEARCHERЦифровая трансформация банковской сферы в Казахстане: историческая эволюция и основные драйверыDigital transformation of the banking sector in Кazakhstan: historical evolution and key drivershttps://orcid.org/0009-0004-2677-3498БейсенғалиеваА. К.BeisengaliyevaA. K.

докторант

г. Алматы

doctoral student

Almaty

23241092@turan-edu.kzhttps://orcid.org/0000-0002-2392-3030МаргацкаяГ. С.MargatskayaG. S.

к.э.н., профессор

г. Алматы

c.e.s., professor

Almaty

g.margatskaya@turan-edu.kzhttps://orcid.org/0000-0001-6289-8264МаргацкийР. В.MargatskayiR. V.

к.э.н., ассоциированный профессор

г. Алматы

c.e.s., associate professor

Almaty

r.margatskiy@turan-edu.kzhttps://orcid.org/0000-0003-3717-4664ПанфилП.PanfilP.

PhD, доцент

г. Гданьск

PhD, associate professor

Gdansk

przemyslaw.panfil@prawo.ug.edu.plУниверситет «Туран»КазахстанTuran UniversityKazakhstanГданьский университетПольшаGdansk UniversityPoland20250610202503371386Copyright © Бейсенғалиева А.К., Маргацкая Г.С., Маргацкий Р.В., Панфил П., 20252025Бейсенғалиева А.К., Маргацкая Г.С., Маргацкий Р.В., Панфил П.Beisengaliyeva A.K., Margatskaya G.S., Margatskayi R.V., Panfil P.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/4867

В данной статье рассматривается цифровая трансформация банковского сектора Казахстана с акцентом на историческую эволюцию цифровой трансформации и ключевые технологические драйверы. Рассматривая тенденции, технологии и вызовы, определяющие современные финансовые институты, данное исследование систематически изучает революционное влияние цифровой трансформации на банковскую отрасль. В условиях глобальной цифровизации Казахстан продемонстрировал быструю адаптацию банковских технологий, перейдя от традиционных операций к гибким технологическим платформам. В исследовании используются качественные методы исследования, включая аналитический, системный и интегративный подходы. Показано, как новые технологии, такие как блокчейн, цифровые кошельки, искусственный интеллект и машинное обучение, играют ключевую роль в улучшении клиентского опыта, операционной эффективности и доступа к финансовым услугам. В исследовании анализируются цифровые платежные методы и схемы карточных транзакций в период с 2019 по 2024 гг., демонстрируя значительный рост количества безналичных транзакций и широкую интеграцию онлайн- и мобильных банковских услуг. Результаты показывают, что банковская отрасль Казахстана, помимо соответствия международным цифровым трендам, активно развивает собственную инновационную среду. Представленное в исследовании объяснение развития цифрового банкинга в Казахстане подчеркивает его научную актуальность. На практике результаты исследования предоставляют финансовым учреждениям, финтех-компаниям и политикам стратегические идеи по повышению цифровой доступности, эффективности и конкурентоспособности банковского сектора. Рекомендации по политике, представленные в данной работе, направленные на содействие устойчивому развитию цифровых финансов в нашей стране, демонстрируют их практическую ценность

This article examines the digital transformation of the banking sector in Kazakhstan, focusing on the historical evolution of digital transformation and key technology drivers. By examining the trends, technologies, and challenges shaping modern financial institutions, this study systematically examines the revolutionary impact of digital transformation on the banking industry. In the context of global digitalization, Kazakhstan has demonstrated rapid adaptation of banking technologies, moving from traditional operations to flexible technology platforms. The study uses qualitative research methods, including analytical, systems, and integrative approaches. It shows how new technologies such as blockchain, digital wallets, artificial intelligence, and machine learning play a key role in improving customer experience, operational efficiency, and access to financial services. The study analyzes digital payment methods and card transaction patterns from 2019 to 2024, demonstrating a significant increase in the number of cashless transactions and widespread integration of online and mobile banking services. The results indicate that the banking industry in Kazakhstan, in addition to meeting international digital trends, is actively developing its own innovative environment. The explanation of digital banking development in Kazakhstan presented in the study highlights its scientific relevance. In practice, the results of the study provide financial institutions, fintech companies and policymakers with strategic ideas to improve digital accessibility, efficiency and competitiveness of the banking sector. The policy recommendations presented in this paper, aimed at promoting sustainable development of digital finance in our country, demonstrate their practical value

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