ЦИФРОВЫЕ ФИНАНСЫ: ПРОБЛЕМЫ И ПЕРСПЕКТИВЫ РАЗВИТИЯ

Abstract

In this article, the problems and prospects of the development of digital finance, the formation of which is focused on increasing the profit of the banking sector, are discussed. Digital finance provides a wide range of services, including payments, transfers, lending, investing, insurance, risk management, accounting and reporting. They can also be used to manage finances in a small business. Considered problems of digital finance and description of the implementation of strategic banking in the field of digitization. In Kazakhstan, problems related to digital finance are also relevant, especially in light of the rapid development of the digital economy and the increase in the number of Internet users and mobile devices. Solving these problems will help increase the level of financial literacy and inclusion of the population, reduce the level of fraud and improve economic conditions in the country. A more balanced approach is needed, which allows not only to increase the efficiency of work and interaction with users in the field of digital technologies, but also to improve opportunities. The topic of digital finance is relevant not only in Kazakhstan, but also in the whole world. With the development of digital technologies and the Internet, more and more people use digital financial services to manage their finances. However, along with the opportunities provided by digital financial services, there are also risks, such as cyber fraud, data privacy violations, and others.