IDENTIFYING FEATURES OF THE LEVEL OF DIGITALIZATION OF BANKING SERVICES IN DIFFERENT COUNTRIES
Sultanova M. Sultanov A. Zhangaliyeva Y. Zhanibekova G. Ordabayeva M. Zamanbekova A. Ibadildin N. Primbetova S.
2024Technology Center
Eastern-European Journal of Enterprise Technologies
2024#5Issue 13(131)58 - 66 pp.
The object of the study is digitalization of banking services. The problem of assessing the level of digitalization of banking services in different countries is solved. The results obtained are: – classification of countries by the level of digitalization of banking services: high level (China, England), medium level (USA, Sweden, Germany, Japan, Ukraine, Kazakhstan) and low level (Spain, Italy, India, Brazil); – a reliable (R2=0.78) positive dependence of the level of digitalization of banking services on the ratio of non-cash payments to GDP and on the rating of favorable conditions for doing business was revealed; – additional competitive factors were added to the model: the positive dependence of the level of digitalization of banking services on the ratio of non-cash payments to GDP (t=3.338) and on the rating of favorable conditions for doing business (t=3.250) was confirmed. The obtained results are explained by the assumption of linear dependence of the level of digitalization of banking services, the volume of non-cash payments and Doing business rating and the construction of an econometric regression model of the dependence of the level of digitalization of banking services of a particular country on the factors affecting the development of digital technologies in the banking sector. The peculiarities of the results obtained consist in the development of a score assessment of the level of digitalization of banking services using three criteria derived from international statistics and its testing on 12 countries of different economic levels of development. The practical significance of this study is the possibility of applying the findings to increase the level of digitalization of banking services in the amount and conditions appropriate to the national economy Copyright
banking services , digital technologies , digitalization of banking services , GDP , non-cash payments
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School of Business and Management, “Q” University, Baizakov str., 125/185 NP 4 (corner of Aiteke bi str.), Almaty, 050000, Kazakhstan
Department of Economics, Management and Finance, Sarsen Amanzholov East Kazakhstan University, 30th Gvardeiskoi Divisii str., 34, Ust-Kamenogorsk, 070002, Kazakhstan
Department of Hospitality Management, Kazakh Ablai khan University of International Relations and World Languages, Muratbaeva str., 200, Almaty, 050022, Kazakhstan
School of Creative Industry, Astana IT University, Mangilik el ave., EXPO Business center, block C 1, Astana, 010000, Kazakhstan
Department of Economics and Management, Makhambet Utemisov West Kazakhstan University, Dostyk ave., 162, Uralsk, 090000, Kazakhstan
Institute of Economics, Information Technology and Professional Education, Zhangir Khan University, Zhangir Khan str., 51, Uralsk, 090009, Kazakhstan
School of Business and Management
Department of Economics
Department of Hospitality Management
School of Creative Industry
Department of Economics and Management
Institute of Economics
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