For citations:

Beisengaliyeva A.K., Margatskaya G.S., Margatskayi R.V., Panfil P. Digital transformation of the banking sector in Кazakhstan: historical evolution and key drivers. Bulletin of "Turan" University. 2025;(3):371-386. (In Kazakh) https://doi.org/10.46914/1562-2959-2025-1-3-371-386