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  1. 1
    Academic Journal

    Πηγή: Qainar Journal of Social Science; Том 3, № 4 (2024); 6-26 ; 2958-7220 ; 2958-7212

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    Relation: https://www.journal-kainar.kz/jour/article/view/285/54; Digital Payments in Portugal // Statista, 2025 [Электронный ресурс] . – Режим доступа: https://www.statista.com; The State of Organizations 2023: Ten Shifts Transforming Organizations. McKinsey [Электронный ресурс]. – Режим доступа: https://www.mckinsey.com; Value of Investment in Fintech Worldwide from 2014 to 2024, by Investment Type // Statista. – 2025. [Электронный ресурс]. – Режим доступа: https://www.statista.com; Zhang P., Wang Y., Wang R., Wang T. Digital Finance and Corporate Innovation: Evidence from China // Applied Economics. – 2024. – Vol. 56. – No. 5. – P. 615–638. doi:10.1080/00036846.2023.2169242; Wei Li on BlackRock's 2024 Outlook, AI Revolution, and Global Trends // S&P Global Ratings. – 2025. [Электронный ресурс]. – Режим доступа: https://www.spglobal.com; Fan Y., Chen S. T. Research on the Effects of Digital Inclusive Finance on the Efficiency of Financial Resource Allocation // Frontiers in Environmental Science. – 2022. doi:10.3389/fenvs.2022.957941; Mu G., Liao Z., Li J., Qin N., Yang Z. IPSO-LSTM Hybrid Model forPredicting Online Public Opinion Trends in Emergencies // PLOS ONE. – 2023. – Vol. 18. – No. 10. doi:10.1371/journal.pone.0292677; Ozili P. K. Contesting Digital Finance for the Poor // Digital Policy Regulation and Governance. – 2020. – Vol. 22. – No. 2. – P. 135–151. doi:10.1108/DPRG-12-2019-0104; Euclid Collaboration: Mellier Y., Abdurro’uf, Barroso J. A., Achúcarro A., Adamek J., Adam R., Addison G. E., et al. Overview of the Euclid Mission // Astronomy & Astrophysics. – 2024. [Электронный ресурс]. – Режим доступа: https://www.semanticscholar.org/paper/e3e133f6894cf03514a3e626545fbfd46491503e; Euclid Collaboration: Scharré L., Hirschmann M., Lucia G., Charlot S., Fontanot F., Spinelli M., Xie L., et al. Optical Emission-Line Predictions of Intermediate-z Galaxy Populations in GAEA for the Euclid Deep and Wide Surveys // Astronomy & Astrophysics. – 2024. [Электронный ресурс]. – Режим доступа: https://www.semanticscholar.org/paper/9f1e834db136b21b17c8366408e75fac0fc1a58a; Bernardini D., Bocchi I., Bonato S., Bottalico D., Calderazzo V., Casino C., Castiglione G. N., et al. Guideline Proposal for Pharma Companies to Manage Pharmacovigilance Activities in Digital Media // AboutOpen. – 2022. [Электронный ресурс]. – Режим доступа: https://www.semanticscholar.org/paper/23b6ea2ce2561177b68fb82ba96acaef108378c6; Roducing P., Values, Bellomo M., Falotico A., et al. The Impact of Social Demand on the Project: The Inclusive Living for Vulnerable People. – 2020. [Электронный ресурс]. – Режим доступа: https://www.semanticscholar.org/paper/80881b90a9a2cb7d5cbd5b5dd87a623c4f2d5409; Revenko L., Revenko N. Global Agricultural Policy Trends: Bridging the Digital Divide // Proceedings of the External Challenges and Risks for Russia in the Context of the World Community’s Transition to Polycentrism: Economics, Finance and Business (ICEFB 2019). – 2019. – P. 115–120. doi:10.2991/icefb-19.2019.29; An Q., Wang Y., Wang R., Meng Q., Ma Y. Research on the Spatial Patterns and Evolution Trends of the Coupling Coordination Between Digital Finance and Sustainable Economic Development in the Yellow River Basin, China // PLOS ONE. – 2024. - № 19(1). – P. e0296868.; Khaustova V., Bondarenko D. V., Omarov S., Yudenko Y. V., Yurchenko O. K. Analysis of Research Trends in the Field of Digital Finance Based on Bibliometric Data // Financial and Credit Activity Problems of Theory and Practice. – 2024. – № 4(57). – P. 505-518.; Modina M., Fedele M., Formisano A. V. Digital Finance for SMEs and Startups: A Bibliometric Analysis and Future Research Direction // Journal of Small Business and Enterprise Development. – 2024. doi:10.1108/JSBED-01-2024-0021; Karanina E., Skopin D. I. Theoretical Aspect of Digital Finance Development // Ekonomika i Upravlenie: Problemy, Resheniya. – 2023. doi:10.36871/ek.up.p.r.2023.06.04.001; Li J. The Development of Digital Finance and Regional Economic Growth // Highlights in Business, Economics and Management. – 2023. – № 21. – P. 918-923.; Li Q. W., Zhang X. Y. Digital Finance Development in China : A Scientometric Review // Heliyon. – 2024. – Vol. 10. – No. 16. – P. e36107.; Zhang P., Wang Y. R., Wang R. Y., Wang T. W. Digital Finance and Corporate Innovation: Evidence from China // Applied Economics. – 2024. – Vol. 56. – No. 5. – P. 615–638. doi:10.1080/00036846.2023.2169242; Zhuang R., Mi K., Zhi M., Zhang C. Digital Finance and Green Development: Characteristics, Mechanisms, and Empirical Evidences // International Journal of Environmental Research and Public Health. – 2022. – № 19(24). – P. 16940.; Li X., Shen Y., Cheng H., Yuan F., Huang L. Identifying the Development Trends and Technological Competition Situations for Digital Twin : A Bibliometric Overview and Patent Landscape Analysis // IEEE Transactions on Engineering Management. – 2022. – № 71. – P. 1–24. doi:10.1109/TEM.2022.3166794; Mungoli N. Deciphering the Blockchain: A Comprehensive Analysis of Bitcoin’s Evolution, Adoption, and Future Implications // Journal of Electrical Electronics Engineering. – 2023. – Vol. 2. doi:10.33140/jeee.02.02.09; Bharadiya J. P. Artificial Intelligence and the Future of Web 3.0: Opportunities and Challenges Ahead // American Journal of Computer Science and Technology. – 2023. – № 6(2). – P. 74-79. doi:10.11648/j.ajcst.20230602.14; Yuan X. M., Li H. P. Digital Finance Affects the Consumption Path of Urban Digital Finance and Residents: The Expansion of Digital Finance to Consumption from the Perspective of Space Spillover // Journal of the Knowledge Economy. – 2024. – Vol. 15. – № 2. – P. 9903–9903; Liu M. Y., Li H. Y., Li C. Y., Yan Z. J. Digital Transformation, Financing Constraints, and Enterprise Performance // European Journal of Innovation Management. – 2023. doi:10.1108/ejim-05-2023-0349; Ji Y., Shi L. N., Zhang S. M. Digital Finance and Corporate Bankruptcy Risk: Evidence from China // Pacific-Basin Finance Journal. – 2022. – Vol. 72. – P. 101731. doi:10.1016/j.pacfin.2022.101731; Li J., Wu Y., Xiao J. J. The Impact of Digital Finance on Household Consumption: Evidence from China // Economic Modelling. – 2020. – Vol. 86. – P. 317–326

  2. 2
    Academic Journal

    Συνεισφορές: The research was funded by the Scientific Committee of the Ministry of Science and Higher Education of the Republic of Kazakhstan. (Grant “Investigating the impact of macroeconomic, political, and digital processes on financial sustainability of Kazakhstan” No. AP19674948).

    Πηγή: Qainar Journal of Social Science; Том 3, № 3 (2024); 6-23 ; 2958-7220 ; 2958-7212

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    Relation: https://www.journal-kainar.kz/jour/article/view/263/48; Fathima J.S. Challenge management of banking services-with special reference to virtual banking service challenges //Shanlax International Journal of Management. – 2020. – Vol. 7. – №. 3. – P. 57-66. https://doi.org/10.34293/management.v7i3.1620; Kaushik A.K., Rahman Z. Innovation adoption across self-service banking technologies in India // International Journal of Bank Marketing. – 2015. – Vol. 33. – №. 2. – P. 96-121. https://doi.org/10.1108/IJBM-01-2014-0006; Otoritas Jasa Keuangan. Bijak ber-Electronic Banking. – 2015. Retrieved from: www.ojk.go.id/Files/box/buku%20bijak%20ber-ebanking.pdf; Hong Kong Monetary Authority. Virtual banks. Annual report. Retrieved from Hong Kong Monetary Authority official website or repository. – 2021. Retrieved from: https://tel.directory.gov.hk/index_HKMA_ENG.html; Boshkov T. Virtual banking and financial inclusion //Research Journal of Finance and Accounting. – 2019. – №. 13. – P. 39-43. https://doi.org/10.7176/RJFA/1013-06; Dharamshi L. Digital-only Banks (Next Level of Banking Experience) //Journal of Global Economy. – 2019. – Vol. 15. – №. 1 (Special). – P. 1-5. Retrieved from: http://www.rcssindia.org/jge/index.php/jge/article/view/548; Clemes M.D., Gan C., Zhang D. Customer switching behaviour in the Chinese retail banking industry //International Journal of Bank Marketing. – 2010. – Vol. 28. – №. 7. – P. 519-546. https://doi.org/10.1108/02652321011085185; Dashen Bank. Dashen Bank Launches “AMOLE. The new ethiopian digital wallet. PR newswire association LLC. – 2018. Retrieved from: https://www.prweb.com/releases/dashen_bank_launches_amole_the_new_ethiopian_digital_wallet/prweb15648028.htm; BTPN Bank. Annual report. BTPN official website or repository. – 2021. Retrieved from: https://www.btpn.com/id/tentang-kami/segmen-usaha/jenius; Dootson P., Beatson A., Drennan J. Financial institutions using social media - do consumers perceive value? //International Journal of Bank Marketing. – 2016. – Vol. 34. – №. 1. – P. 9-36. https://doi.org/10.1108/IJBM-06-2014-0079; Mbama C.I., Ezepue P.O. Digital banking, customer experience and bank financial performance: UK customers’ perceptions //International journal of bank marketing. – 2018. – Vol. 36. – №. 2. – P. 230-255. https://doi.org/10.1108/IJBM-112016-0181; Sorofman J., Virzi A.M., Genovese Y. CMO Spend Survey 2015-2016: Digital Marketing Comes of Age //Preuzeto. – 2015. – Vol. 12. – P. 2017.; Klaus P.P., Maklan S. Towards a better measure of customer experience //International journal of market research. – 2013. – Vol. 55. – №. 2. – P. 227-246. https://doi.org/10.2501/IJMR-2013-021; Mbama C.I., Ezepue P., Alboul L., Beer M. Digital banking, customer experience and financial performance: UK bank managers’ perceptions //Journal of Research in Interactive Marketing. – 2018. – Vol. 12. – №. 4. – P. 432-451. https://doi.org/10.1108/JRIM-01-2018-0026; Yoon C. Age differences in consumers' processing strategies: An investigation of moderating influences //Journal of Consumer Research. – 1997. – Vol. 24. – №. 3. – P. 329-342. https://doi.org/10.1086/209514; Akturan U., Tezcan N. Mobile banking adoption of the youth market: Perceptions and intentions //Marketing Intelligence & Planning. – 2012. – Vol. 30. – №. 4. – P. 444-459. https://doi.org/10.1108/02634501211231928; Khan I., Hollebeek L.D., Fatma M., Islam J.U., Riivits-Arkonsuo I. Customer experience and commitment in retailing: does customer age matter? //Journal of Retailing and Consumer Services. – 2020. – Vol. 57. – P. 102219. https://doi.org/10.1016/j.jretconser.2020.102219; Halyk Bank. Annual report. Retrieved from Halyk Bank's official website or repository. – 2023. Retrieved from: https://halykbank.kz/about/shareholders_investors/investoram

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    Academic Journal

    Πηγή: Public Administration and Civil Service; Vol. 1 No. 92 (2025): PUBLIC ADMINISTRATION AND CIVIL SERVICE; 169-182 ; Государственное управление и государственная служба; Том 1 № 92 (2025): ГОСУДАРСТВЕННОЕ УПРАВЛЕНИЕ И ГОСУДАРСТВЕННАЯ СЛУЖБА; 169-182 ; Мемлекеттік басқару және мемлекеттік қызмет; Томы 1 № 92 (2025): МЕМЛЕКЕТТІК БАСҚАРУ ЖӘНЕ МЕМЛЕКЕТТІК ҚЫЗМЕТ; 169-182 ; 2959-0302 ; 1994-2370

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    Academic Journal

    Πηγή: Public Administration and Civil Service; Vol. 1 No. 92 (2025): PUBLIC ADMINISTRATION AND CIVIL SERVICE; 153-163 ; Государственное управление и государственная служба; Том 1 № 92 (2025): ГОСУДАРСТВЕННОЕ УПРАВЛЕНИЕ И ГОСУДАРСТВЕННАЯ СЛУЖБА; 153-163 ; Мемлекеттік басқару және мемлекеттік қызмет; Томы 1 № 92 (2025): МЕМЛЕКЕТТІК БАСҚАРУ ЖӘНЕ МЕМЛЕКЕТТІК ҚЫЗМЕТ; 153-163 ; 2959-0302 ; 1994-2370

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    Academic Journal

    Πηγή: Public Administration and Civil Service; No. 1 (88) (2024); 106-119 ; Государственное управление и государственная служба; № 1 (88) (2024); 106-119 ; Мемлекеттік басқару және мемлекеттік қызмет; № 1 (88) (2024); 106-119 ; 2959-0302 ; 1994-2370 ; 10.52123/1994-2370-2024-88-1

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