espEconomy: strategy and practiceEconomy: strategy and practice1997-99672663-550XИнститут экономикиesp-208Research ArticleСтатьиТренды в финансовых технологиях и их влияние на развитие финансовых рынковFinancial technologies trends and how they will shape financial marketsКобадиловБ. Н.KobadilovB. N.kobadilov@mail.ruОмаровГ. Б.OmarovG. B.galym.omarov@gmail.comЕрмекбаеваД. Д.YermekbayevaD. D.ermekbaevad@mail.ruУниверситет международного бизнесаКазахстанUniversity of International BusinessKazakhstanМеждународный университет информационных технологийКазахстанInternational university of information technologiesKazakhstan202030062020152151157Copyright © Кобадилов Б.Н., Омаров Г.Б., Ермекбаева Д.Д., 20202020Кобадилов Б.Н., Омаров Г.Б., Ермекбаева Д.Д.Kobadilov B.N., Omarov G.B., Yermekbayeva D.D.Данная работа распространяется под лицензией Creative Commons Attribution 4.0.This work is licensed under a Creative Commons Attribution 4.0 License.https://esp.ieconom.kz/jour/article/view/208

В настоящее время исследования в области финтех - одни из самых популярных среди международных ученых. Обилие исследований в этой области приводит к тому, что пользователи страдают от информационной перегрузки. Целью данной работы является организация результатов исследования и выявление общих тенденций в области финансовых технологий, которые могут быть применены к сфере финтех, классифицированной по сегментам в зависимости от используемых технологий. Исследовательская работа охватывает такие области науки, как инновационные лаборатории, платформенный бизнес, облачные решения, борьба с отмыванием денег, знание своего клиента, блокчейн, регуляторные технологии и большие данные. Статья начинается с определения финтех и описания его возможностей. Нами проанализированы тенденции и выявлены семь основных: финансовые рынки в поисках преимуществ блокчейна в управлении скоростью и активами, регулирование и RegTech решают проблемы соответствия, все стороны хотят заработать на больших данных, участники отрасли финтех вкладывают больше средств в инновационные лаборатории, стоимость приобретения облачных решений снижается, консолидация и сотрудничество игроков отрасли финтех, разработчики финтех предоставляют платформы для разработчиков финтех: все больше и больше когнитивных вычислений используется в финансовых услугах, автоматизация внутренних процессов Know Your Customer и борьба с отмыванием денег. Из-за высокой активности и дискуссий в мировом сообществе ученых в данной сфере трудно охватить все аспекты и сделать выводы, которые учитывают все изменения, происходящие в области финтех, что подтверждает актуальность данного исследования.

Today fintech research is among trending topics by international scholars. Abundance of research in this sphere causes state of infobesity for users. Goal of the research is to organize research findings and reveal general trends in fintech that can be applied to fintech sphere classified to segments depending on technologies used. Research work covers fintech areas such as: Innovation labs, Platform business, Cloud solutions, Anti Money Laundering, Know Your Customer, Blockchain, Regulatory technologies and Big Data. First, definition of fintech is discussed and fintech opportunities are analysed. Second, those fintech trends are generalised.. As a result seven general trends revealed: Financial markets in pursue of blockchain benefits in speed and wealth management, Regulation and RegTech solving compliance issues, All parties want to master big data, Participants of Fintech industry investing more in Innovation labs, Opportunity cost of acquiring cloud solutions decreasing, fintech industry players consolidating and collaborating, Fintech developers providing platforms for fintech developers, More and more cognitive computing is used in financial services, Automatization of Know Your Customer internal processes and Anti Money Laundering.

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