espEconomy: strategy and practiceEconomy: strategy and practice1997-99672663-550XИнститут экономики10.51176/1997-9967-2022-4-16-28esp-876Research ArticleИННОВАЦИИ, ИННОВАЦИОННО-ТЕХНОЛОГИЧЕСКОЕ РАЗВИТИЕ, ЦИФРОВИЗАЦИЯINNOVATION, INNOVATION AND TECHNOLOGICAL DEVELOPMENT, DIGITALIZATIONАнализ безналичных расчетов в Казахстане и их влияние на развитие предпринимательстваAnalysis of Non-Cash Payments in Kazakhstan and Impact on the Development of Entrepreneurshiphttps://orcid.org/0000-0002-9825-1662ИмрамзиеваМ. Я.ImramziyevaM. Ya.

Имрамзиева М.Я. - PhD

050000, пр. Сейфуллина 521, Алматы

87019854000

Munira Ya. Imramziyeva - PhD

050000, 521 Seyfullin Ave., Almaty

87019854000

imya0907@mail.ruhttps://orcid.org/0000-0001-7516-899XГумарН. А.GumarN. A.

Гумар Н.А. - кандидат экономических наук

Алматы

Nazira A. Gumar - сandidate of economic sciences

Almaty

Gumnaz@mail.ruhttps://orcid.org/0000-0002-7291-4851ЖанибековаГ. К.ZhanibekovaG. K.

Жанибекова Г.К. - PhD

Алматы

Gaykhar K. Zhanibekova - PhD

Almaty

gaukhar-k@mail.ruКаспийский общественный университетКазахстанCaspian public universityKazakhstan2022311220221741628Copyright © Имрамзиева М.Я., Гумар Н.А., Жанибекова Г.К., 20222022Имрамзиева М.Я., Гумар Н.А., Жанибекова Г.К.Imramziyeva M.Y., Gumar N.A., Zhanibekova G.K.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/876

Целью статьи является изучение ведения безналичных расчетов в Республике Казахстан и их влияние на развитие домашних хозяйств и предпринимательства. Совершенствование безналичных расчетов тесно связано с общим развитием технологий. Скорость, удобство и безопасность осуществления безналичных расчетов растет из года в год. Безналичный расчет является актуальной и удобной формой расчетов в жизни каждого гражданина, благодаря доступности для всех юридических и физических лиц. Такая тенденция является повсеместной и качественно возрастающей. Наблюдается также тенденция быстрого проникновения безналичных расчетов на финансовый рынок. Это обусловлено удобством, развивающимся рынком цифровых сервисов, платежей, а также ростом конкурентоспособности банков. Основными методами исследования послужили общетеоретические методы, а также специальные экономико-математические методы. По итогам изучения организации безналичных расчетов в Республике Казахстан и анализу работы с ними казахстанским предприятиям были даны следующие рекомендации по усовершенствованию системы безналичных расчетов: внедрить в хозяйственную деятельность предприятия Enterprise Resource Planning (ERP) и (Customer Relationship Management) CRM, совершенствовать систему электронных денег посредством создания платформ для бесперебойной работы передачи данных. Практическая значимость исследования определяется тем, что составленные авторами рекомендации по совершенствованию системы безналичных расчетов могут применяться для улучшения этой системы.

The purpose of the study is to cashless payments in the Republic of Kazakhstan and their impact on the development of households and entrepreneurship. Improving cashless payments is closely related to the overall development of technology. The speed, convenience, and security of non-cash payments are growing from year to year. Cashless payment is a relevant and convenient form of payment in the life of every citizen, due to its availability for all legal entities and individuals. This trend is widespread and qualitatively increasing. There is also a trend of rapid penetration of non-cash payments into the financial market. This is due to convenience, the developing market of digital services, and payments, as well as the growing competitiveness of banks. The main research methods were general theoretical methods, as well as special economic and mathematical methods. Based on the study of the organization of cashless settlement in the Republic of Kazakhstan and the analysis of the work with the cashless settlement, the following recommendations were made to improve the system of cashless settlement to Kazakhstani enterprises: introduction of Enterprise Resource Planning (ERP) and Customer Relationship Management (CRM) into the economic activities of enterprises; improvement of the electronic money system by creating platforms for seamless operation of data transfer. The practical significance of the study is determined by the fact that the proposals made by the authors on the improvement of the cashless payment system can be used to improve this system.

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