Digital Transformation and Corruption Risks: An Applied Economic Analysis of Kazakhstan’s Banking Sector
Omarova A. Kussainova L. Malakhov D. Mabiyev Y. Kenzhebekov R.
Fall 2025RITHA Publishing House
Journal of Applied Economic Sciences
2025#20Issue 3521 - 534 pp.
This paper examines the dual impact of digitalization on the banking sector from 2013 to 2024, using factor analysis and applied economic modelling to assess how digital tools, regulatory frameworks, and institutional performance interact in shaping financial crime dynamics. The results reveal that while digitalization improves operational efficiency and monitoring capacity, it also exposes structural weaknesses that facilitate illicit activities. Policy implications emphasize the need for robust regulation, strategic governance, cybersecurity investment, and capacity building to ensure that digitalization serves as a driver of innovation, trust, and financial stability. This study contributes empirical evidence to the applied economics literature on the complex role of digitalization in both enabling and mitigating corruption risks in emerging markets.
banking sector , corruption risks , digital transformation , emerging economies , financial crime
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Karaganda Buketov University, Karaganda, Kazakhstan
Supreme Judicial Council of the Republic of Kazakhstan, Astana, Kazakhstan
Institute of Philosophy and Law of the National Academy of Sciences, Kyrgyzstan
Karaganda Buketov University
Supreme Judicial Council of the Republic of Kazakhstan
Institute of Philosophy and Law of the National Academy of Sciences
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