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<article article-type="research-article" dtd-version="1.3" xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xml:lang="ru"><front><journal-meta><journal-id journal-id-type="publisher-id">kaz29</journal-id><journal-title-group><journal-title xml:lang="ru">Вестник Казахстанско-Британского технического университета</journal-title><trans-title-group xml:lang="en"><trans-title>Herald of the Kazakh-British Technical University</trans-title></trans-title-group></journal-title-group><issn pub-type="ppub">1998-6688</issn><issn pub-type="epub">2959-8109</issn><publisher><publisher-name>Казахстанско-Британский Технический Университет</publisher-name></publisher></journal-meta><article-meta><article-id custom-type="elpub" pub-id-type="custom">kaz29-311</article-id><article-categories><subj-group subj-group-type="heading"><subject>Research Article</subject></subj-group><subj-group subj-group-type="section-heading" xml:lang="ru"><subject>ЦИФРОВЫЕ ТЕХНОЛОГИИ В ЭКОНОМИКЕ И МЕНЕДЖМЕНТЕ</subject></subj-group><subj-group subj-group-type="section-heading" xml:lang="en"><subject>DIGITAL TECHNOLOGIES IN ECONOMICS AND MANAGEMENT</subject></subj-group></article-categories><title-group><article-title>ФИНТЕХ И ФИНАНСОВЫЙ РЫНОК КАЗАХСТАНА</article-title><trans-title-group xml:lang="en"><trans-title>FINTECH AND KAZAKHSTAN’S FINANCIAL MARKET</trans-title></trans-title-group></title-group><contrib-group><contrib contrib-type="author" corresp="yes"><name-alternatives><name name-style="eastern" xml:lang="ru"><surname>Кобадилов</surname><given-names>Б. Н.</given-names></name><name name-style="western" xml:lang="en"><surname>Kobadilov</surname><given-names>B. N.</given-names></name></name-alternatives><bio xml:lang="ru"><p>сеньор-лектор</p></bio><xref ref-type="aff" rid="aff-1"/></contrib></contrib-group><aff-alternatives id="aff-1"><aff xml:lang="ru">Международный университет информационных технологий<country>Казахстан</country></aff><aff xml:lang="en">International University of Information Technologies<country>Kazakhstan</country></aff></aff-alternatives><pub-date pub-type="collection"><year>2019</year></pub-date><pub-date pub-type="epub"><day>17</day><month>11</month><year>2021</year></pub-date><volume>16</volume><issue>3</issue><fpage>360</fpage><lpage>364</lpage><permissions><copyright-statement>Copyright &amp;#x00A9; Кобадилов Б.Н., 2021</copyright-statement><copyright-year>2021</copyright-year><copyright-holder xml:lang="ru">Кобадилов Б.Н.</copyright-holder><copyright-holder xml:lang="en">Kobadilov B.N.</copyright-holder><license xml:lang="ru" license-type="creative-commons-attribution" xlink:href="https://creativecommons.org/licenses/by/4.0/" xlink:type="simple"><license-p>Данная работа распространяется под лицензией Creative Commons Attribution 4.0.</license-p></license><license xml:lang="en" license-type="creative-commons-attribution" xlink:href="https://creativecommons.org/licenses/by/4.0/" xlink:type="simple"><license-p>This work is licensed under a Creative Commons Attribution 4.0 License.</license-p></license></permissions><self-uri xlink:href="https://vestnik.kbtu.edu.kz/jour/article/view/311">https://vestnik.kbtu.edu.kz/jour/article/view/311</self-uri><abstract><p>Финансовые технологии являются быстро развивающейся областью в мире. Развитые страны осознают его потенциал, стараясь изо всех сил уловить изменения в этой области. Правительства стран пытаются поддержать своих отечественных разработчиков. Регуляторы пытаются адаптироваться к быстрому характеру отрасли. Правительство Казахстана также вкладывает время и ресурсы, чтобы поймать волну. К сожалению, Казахстан теряет своих отечественных, финтех разработчиков. Часть разработчиков ищет лучшие условия для разработки продукта, а другая часть - лучшие рынки для монетизации технологий. Исследование фокусировано на основных проблемах, с которыми сталкиваются разработчики и специалисты в области финансов и которые препятствуют развитию финансовых технологий. Опрос был сделан для определения наиболее критических проблем и проанализирован наряду с текущим состоянием финансового рынка.</p></abstract><trans-abstract xml:lang="en"><p>Financial technology is rapidly developing area in the world. Developed countries are aware of its potential trying their best to catch the pace of changes in this area. Country governments are trying to support their domestic developers. Regulators are trying to adapt to the rapid character of the industry. Kazakhstan's government is also investing time and resources to catch the wave. Unfortunately, Kazakhstan is losing its domestic, fintech developers. Part of the developers seeks better conditions for product development and other part better markets to monetise technologies. Research focuses on main problems developers and specialists in finance area encounter and count as impediments in developing financial technologies development. Survey was made to define most critical problems and analysed along with current financial market condition.</p></trans-abstract><kwd-group xml:lang="ru"><kwd>финтех</kwd><kwd>банки</kwd><kwd>финансовый рынок</kwd><kwd>Казахстан</kwd><kwd>критические факторы</kwd></kwd-group><kwd-group xml:lang="en"><kwd>Fintech</kwd><kwd>Banking</kwd><kwd>Financial Market</kwd><kwd>Kazakhstan</kwd><kwd>Critical factors</kwd></kwd-group></article-meta></front><back><ref-list><title>References</title><ref id="cit1"><label>1</label><citation-alternatives><mixed-citation xml:lang="ru">Review of financial market. National Bank of Kazakhstan, (2019).</mixed-citation><mixed-citation xml:lang="en">Review of financial market. National Bank of Kazakhstan, (2019).</mixed-citation></citation-alternatives></ref><ref id="cit2"><label>2</label><citation-alternatives><mixed-citation xml:lang="ru">B. R. Scott. How do economies grow. Harvard business review (2017).</mixed-citation><mixed-citation xml:lang="en">B. R. 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