espEconomy: strategy and practiceEconomy: strategy and practice1997-99672663-550XИнститут экономики10.51176/1997-9967-2021-2-54-61esp-371Research ArticleСтатьиАнализ динамики безналичных платежей в Казахстане в условиях пандемии COVID-19Analysis Of The Dynamics Of Cashless Payments In Kazakhstan In The Context Of The Covid-19 Pandemichttps://orcid.org/0000-0002-7682-2727КрединаА. А.KredinaA.

Anna Kredina - сorresponding Author, doctoral student

Almaty, Abay Avenue 8a, A25D4T6 (050010), 87012862176 

anna.kredina@uib.kzhttps://orcid.org/0000-0003-0085-3057АкпароваА. А.AkparovaA.

Aigul Akparova - candidate of Economics, PhD, Associate Professor of KKSON MES RK, Professor of University

Almaty, Muratbayev street 200, 050022, 8701 727 0810 

aigul.akparova@mail.ruhttps://orcid.org/0000-0002-3805-0244ВасаЛ.VasaL.

László Vasa - PhD, Full professor (Faculty of Economics)

Győr

laszlo.vasa@ifat.huUniversity of International BusinessKazakhstanKazakhstan University of International Relations and World Languages named Abylai KhanKazakhstanSzéchenyi István UniversityHungary2021300620211625461Copyright © Кредина А.А., Акпарова А.А., Васа Л., 20212021Кредина А.А., Акпарова А.А., Васа Л.Kredina A., Akparova A., Vasa L.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/371

Пандемия COVID-19 ускорила развитие FinTech и переход к безналичным платежам населения различных стран, в том числе и Казахстана. Для проведения безналичных платежей создаются платформы, работающие в системах NFC & MFS, которые защищены протоколами безопасности (Secure Element (SE)), что позволяет хранить конфиденциальные данные пользователей. Изменение бизнес-моделей банков привело к появлению нового формата банковских продуктов и услуг, которыми можно пользоваться при помощи смартфонов (основные оперативные системы Android и iOS). Цель исследования – проанализировать динамику влияния пандемии COVID-19 на использование безналичных платежей через национальные платежные системы в Казахстане. Исходя из цели были поставлены нулевая и альтернативная гипотезы, из которых вторая в результате подтвердилась. Методы исследования, применяемые для написания данной статьи: экономико-статистический анализ и синтез, графический метод, анализ рядов динамики. Данные для исследования были взяты из Статистического бюллетеня НБК: данные по безналичным платежам, проходящим через Interbank System of Money Transfer (ISMT) и Interbank Clearing System (ICS) за период с 2002 по 2020 годы. Доказано влияние пандемии COVID-19 на динамику трансформации безналичных платежей, осуществляемых при использовании финансовых технологий. Даны рекомендации для дальнейшего совершенствования финансовой системы. Развитие национальных платежных систем позволяет снизить уровень мошенничества в финансовой сфере, повысить скорость безналичных переводов и нивелировать транзакционные ошибки. Ограничение в исследовании: использованы только национальные платежные системы ISMT and ICS.

The COVID-19 pandemic has accelerated the development of FinTech and the transition to cashless payments of the population of various countries, including Kazakhstan. For provision of cashless payments there are created platforms which work in NFC & MFS systems, they protected by security protocols (Secure Element (SE)) and allow to store confidential user data. Changes in the business model of banks have led to the emergence of a new format of banking products and services that can be used through smartphones (the main operating systems Android and iOS). The goal of the study is to analyze the dynamics of the impact of the COVID-19 pandemic on the use of cashless payments through national payment systems in Kazakhstan. Based on the goal, a null and an alternative hypothesis were set, of which the second was confirmed in the result. Research methods used to write this article are economic and statistical analysis and synthesis, graphical method, analysis of the series of dynamics. The data for the study was taken from the NBK Statistical Bulletin: data on cashless payments through the Interbank System of Money Transfer (ISMT) and the Interbank Clearing System (ICS) for the period from 2002 to 2020. The impact of the COVID-19 pandemic on the dynamics of the transformation of cashless payments made by using financial technologies has been proved. Recommendations for further improvement of the financial system are given. The development of national payment systems makes it possible to reduce the level of fraud in the financial sector, to increase the speed of cashless transfers and level out transaction errors. Study limitation: only national payment systems ISMT and ICS were used.

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