Digital technologies in the financial market of Kazakhstan

The article reveals the processes of digitalization of the financial market of Kazakhstan. The authors examined innovative services and new digital financial instruments that determine the development of remote connection mechanisms for bank customers and other market participants. The analysis of the existing architecture of the financial market is carried out and the role of fintech companies in its development is determined. The authors highlighted the key fintech companies of Kazakhstan using fintech solutions in one form or another. The article describes the positive experience of Bank CenterCredit JSC in implementing the Open API financial platform. The content of the innovative customer-oriented product Credit API is disclosed. The authors consider it promising to use the Payment API service in the infrastructure of the domestic market, which provides new opportunities for customers when making remote payments. As new market participants, business structures using P2P platforms are considered. The P2P platforms allow the investor to lend to a private person or business in a remote format through a special website. The article outlines the problem of developing financial inclusion and innovative forms of improving financial literacy based on communication digital resources. The authors presented a vision of the digital financial infrastructure of Kazakhstan. The collaboration scheme is built through the interaction of five key areas of development of digital financial blocks, the integration of which is carried out through the Open API and Smart Brigde. The article substantiates the need for high-tech interaction between the regulator and market participants using the full electronic document management format and creating a digital financial market regulator.

финансовый рынок, цифровая инфраструктура, финтехрешения, P2P-кредитование, цифровой регулятор, финансовые инновации, интернет-технологии, қаржы нарығы, қаржылық инфрақұрылым, қаржылық-техникалық шешімдер, P2P-несиелеу, цифрлық реттеуші, қаржылық инновациялар, интернет-технологиялар, financial market, digital infrastructure, fintech solutions, P2P lending, digital regulator, financial innovations, Internet technologies

1. Что банкиры думают об онлайн-кредитовании: официальный сайт Казахстанской ассоциации ФинТех: https://kazfintech.kz.

2. Как необанки работают в Казахстане: https://nationalbank.kz; https://kapital.kz/finance/78237/kak-neobanki-rabotayut-v-kazakhstane.html.

3. Спецификация требований к разрабатываемому механизму удаленной идентификации клиентов: официальный сайт Казахстанского центра межбанковских расчетов Национального банка Республики Казахстан: http://www.kisc.kz.

4. Казахстанские банки, несмотря на кризис и карантин, сохраняют активную позицию: официальный сайт Агентства Республики Казахстан по регулированию и развитию финансового рынка: http://www.finreg.kz.

5. Каким видит ФинТех Нацбанк и АФР: https://www.lsm.kz/kazahstanskaya-cifrovaya-valyuta-i-drugoe-kakim-vidyat-finteh-nacbank-i-afr-v-budushem.