of December 12, 2017 No. 827
About approval of the State program "Digital Kazakhstan"
The government of the Republic of Kazakhstan DECIDES:
1. Approve the enclosed State program "Digital Kazakhstan" (further - the Program).
2. To provide to the ministry of digital development, innovations and aerospace industry of the Republic of Kazakhstan in the Ministry of national economy of the Republic of Kazakhstan information on course of execution of the Program according to the procedure also the terms established by the order of the Government of the Republic of Kazakhstan of November 29, 2017 No. 790 "About approval of System of state planning in the Republic of Kazakhstan".
3. To the central and local executive bodies, and also state bodies, directly subordinate and accountable to the President of the Republic of Kazakhstan to take measures for program implementation.
4. To impose control of execution of this resolution on the Ministry of digital development, innovations and the aerospace industry of the Republic of Kazakhstan.
5. This resolution becomes effective from the date of its signing.
Prime Minister of the Republic of Kazakhstan
B. Sagintayev
Approved by the Order of the Government of the Republic of Kazakhstan of December 12, 2017 No. 827
|
Name of the Program |
State program "Digital Kazakhstan" |
|
Basis for development |
President's letter of the Republic of Kazakhstan "Third upgrade of Kazakhstan: global competitiveness" of January 31, 2017 |
|
State body responsible for development of the Program |
Ministry of digital development, innovations and aerospace industry of the Republic of Kazakhstan |
|
State bodies and organizations responsible for program implementation |
Central and local executive bodies, state bodies, directly subordinate and accountable to the President of the Republic of Kazakhstan, subjects of the quasi-public sector |
|
Program purpose |
Acceleration of rates of development of economy of the republic and improvement of quality of life of the population due to use of digital technologies in the medium term, and also creation of conditions for transition of economy of Kazakhstan to essentially new trajectory of development providing creation of digital economy of the future in the long term |
|
Program tasks |
1. Digitalization of the industry and power industry. |
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Realization terms |
2018-2022 |
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Target indicators |
Work gain in productivity on the section "Mining Industry and Development of Pits" in 2022 - % 38,9. |
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Sources and amounts of financing |
Budget funds in the amount of 108 683 142 thousand тенге*1, will be allocated for program implementation in 2018 - 2022 including: |
The purposes of the state program "Digital Kazakhstan" (further - the Program) are acceleration of rates of development of economy of the Republic of Kazakhstan and improvement of quality of life of the population due to use of digital technologies in the medium term, and also creation of conditions for transition of economy of Kazakhstan to essentially new trajectory of development providing creation of digital economy of the future in the long term.
Achievement of this purpose implies movement on two vectors of development:
"Digitalization of the existing economy" - ensuring the pragmatic start consisting of specific projects in the real sector, project startup on digitalization and technological rearmament of the existing industries of economy, government institutions and development of digital infrastructure.
"Creation of the digital industry of the future" - ensuring long-term stability, start of digital transformation of the country due to increase in the level of development of human capital, creation of institutes of innovative development and, in general, progressive development of digital ecosystem.
The program which will be realized in the period of 2018-2022 will provide additional impulse for technological upgrade of flagman industries of the country and will create conditions for large-scale and long-term growth of labor productivity.
Five main directions of program implementation:
1. "Digitalization of industries of economy" - the direction of transformation of traditional industries of economy of the Republic of Kazakhstan with use of disruptive technologies and opportunities which will raise labor productivity and will be led to capitalization growth.
2. "Transition to the digital state" - the direction of transformation of functions of the state as infrastructures of provision of services to the population and business, anticipating his requirements.
3. "Realization of digital Silk way" - the direction of development of the high-speed and protected infrastructure of transfer, storage and data processing.
4. "Development of human capital" - the direction of transformations covering creation of so-called creative society for ensuring transition to new realities - economy of knowledge.
5. "Creation of innovative ecosystem" - the direction of creation of conditions for development of technological entrepreneurship and innovations with stable horizontal relations between business, the scientific sphere and the state. The state will act as the catalyst of ecosystem capable to generate, adapt and implement in production of innovation.
Within the specified five directions 17 initiatives and more than 100 actions which return from realization can be seen in the next years in explicit form, and also actions which create bases of forming of the digital sector as new industry of economy of the future, from which main result is necessary the next decades are created.
The program implementation assumes attraction of financing of 109 billion tenges from means of the republican budget. Also attraction more than 169 billion tenges of means of subjects of the quasi-public sector is expected.
All population, business and state bodies of the Republic of Kazakhstan as she mentions all spheres of life activity will become beneficiaries of program implementation and it is aimed at increase in level of living of each resident of the state. The program will lead to essential shifts in structure of employment - in particular, by 2022 300 thousand workplaces due to digitalization will be created.
The current average level of digitalization of economy of Kazakhstan today - not barrier, but opportunity to make high-quality breakthrough in development which will allow the country to come to the advanced line items on the world scene. Acceptance of package of measures and system work on five directions described in this Program and within the actions given in appendix to it is for this purpose supposed. The list of actions will be staticized.
_______________________
1 The amounts will be specified according to the budget for the corresponding financial year.
Today the Internet economy grows with rates to 25% a year in developing countries, at the same time any sector of economy cannot even approach such rates. 90% of all global data were created in only 2 last years. Already 35 billion devices are connected to the Internet and perform data exchange - this figure exceeds the total number of world's population five times. But, together with it the Governments and corporations spend nearly one half-trillion US dollars annually for counteraction to the new, widely adopted phenomenon - to cyber attacks.
Efforts on digitalization lead to creation of new society where the human capital actively develops - knowledge and skills of the future are cultivated since the most young years, efficiency and speed of work of business due to automation and other new technologies increase, and dialogue of citizens with the states becomes simple and open. Digital revolution takes place in front of our eyes.
These changes are caused by implementation in recent years sets of the technological innovations applied in different industries. Radically methods of production and receipt of value added change, new requirements to education and labor skills of people appear. The industrial Internet of things creates the future of production industries, using possibilities of flexible and smart production, provides revolutionary gain in productivity. The artificial intelligence takes root, including, in conservative industries, such as financial services and medicine. The 3D technology - seals promotes transformation of such industries as aircraft, logistics, biomedicine and automotive industry already today. Blokcheyn has all premises to make global transformation of cash system. Big data and universal availability of communication are one of factors on the basis of which the "economy of joint consumption" extending in global scales the accelerated rates is formed. The leading companies of segment of "joint consumption in the absence of physical assets" by the amount of capitalization exceed the cost of the traditional companies with multi-billion physical assets on balance.
These changes are radical and happen for only a few years and even months, but not decades as earlier. But it only the beginning, and the world still should endure the bulk of changes. Rate of changes increases, but not late to be part of these changes.
Digitalization process affects practically all countries of the world today. At the same time, each country itself determines priorities of digital development. More than 15 countries of the world realize national programs of digitalization at the moment. The advanced countries on digitalization of national economies are China, Singapore, New Zealand, South Korea and Denmark. China in the program "Internet plus" integrates the digital industries with traditional, Canada creates ICT hub in Toronto, Singapore creates "Smart economy" which driver is ICT, South Korea in the Creative Economy program is guided by development of human capital, entrepreneurship and distribution of achievements of ICT, and Denmark is focused on digitalization of public sector.
In these countries the state plays key role in start and program implementation, at the same time success depends on involvement of private players - the fact that "digital privatization" is called. Today we observe more and more examples when the states consciously push participants of economic system to the digital future. The state announces some kind of "tender" for closing of these or those "inefficiencies" identified as priority. Players represent "bats", concepts of pilots and approaches to possible projects implementation. The state qualifies offers and chooses the winner following the results of tender of pilot projects. The winner, as a rule, does not receive direct government subsidies, but acquires the right to implement the turnkey project (in this or that direction, in this or that industry, in this or that region). The state provides support in area of the regulatory base, synchronization and cooperation with key stakeholders (the regional authorities, etc.), and also creation of incentives for "tsifroviziruyemy" industries. The choice of consortium of winners which allows to reduce risks in case of realization is also possible, at the same time, supporting the competition between 2-3 players.
The most striking example of approach of digital privatization is Singapore. So, in 2014 the state initiated development of the concept of Smart Nation and invited business and expert community to cooperation for its refining and realization. Smart Nation - initiative of the state of improvement of quality of life by means of implementation of digitalization in everyday life of citizens. The state created initial request for the solution of a number of tasks which were determined as paramount for start of the main initiatives within Smart Nation. So, one of the key initiatives determined initially - development of national touch network for creation of "the smart city". Under each of tasks the state organizes the tender for the choice of the contractor for development of technical solution. Participation in the tender is open for all participants meeting the requirements of briefing: thus, the state provides focus not only on large business, but also on attraction of small and medium business. It is remarkable that in 2015-2016 more than a half of contracts were signed with small and medium business.
The state can provide "digital jump" in the country due to the accelerated development of specific technologies. In such cases the state assumes role of the investor determining the key, most perspective directions of financing proceeding from assessment of long-term return on investment, competitive to line item, trends, and also invests in fundamental conditions of success, such as education and retraining of personnel.
In South Korea in case of active position of the state the basic companies begin to perform independently investments into disruptive digital technologies. So, one of the largest telecom operators of the country - SKT - designated intentions to invest in technologies of artificial intelligence and "the Internet of things" more than 4 billion US dollars. The operator notes need of partnership in development of new technologies, and also plans attraction of local startups for development of dot decisions.
One more global trend - "self-digitalization of the state", i.e. digitalization of transactions of the state and state-owned companies. Self-digitalization - task which any state aimed at maximization of value creation in economy, growth of welfare, the worthy place in the ratings of business and level of living needs to realize.
Self-digitalization at the level of the country has two key directions:
- Digitalization of public administration: digital document flow, principles of digital by default and digital first, review of inefficient processes. In this logic self-digitalization covers all range of services: internal interaction of state structures - G2G, interaction with citizens - G2C, interaction with business - G2B.
- Digitalization of subjects of the quasi-public sector that is especially urgent for such countries as Kazakhstan where the state still in this or that form is responsible for the majority of workplaces in economy, so and for work gain in productivity. As often traditional competitive market mechanisms for such companies do not work, the measurable KPE connected with realization of digital transformation are developed and established (implementation of technologies of the industry 4.0 and the corresponding value creation, revenue % of new products, training and retraining of personnel).
So, Denmark actively invests in digitalization of state agencies. Now each citizen and each business have personal account by means of which there is communication with state agencies in real time. Since 2015 all citizens shall communicate with state agencies only on the Internet (in Denmark 95% of households have Internet access), each citizen has the digital passport (digital ID), and all state agencies and municipalities are connected in single network that allows to interact with all departments by means of single personal account. Business, except communication, has opportunity to perform all transactions on the Internet, to receive statements, to pay taxes and to send reports (sending in electronic form and receipt of documents takes 5 minutes in comparison with 5 days when sending in paper form). The similar system allows to save 10-20% of the budget annually.
All these changes have long-term economic and social effects. Such phenomenon as the "economy of joint consumption" extending in global scales the accelerated rates exerts not only direct impact on each consumer, but also indirect impact on the country in general. It is the decision for self-employed citizens, motivates to conducting business activity and promotes growth of economic activity. This trend will gain further development as new assets and consumer goods are shared for the purpose of reducing individual costs.
Already today it is clear that the structure and work arrangement will change significantly and promptly. Development of technologies will promote cross-border remote employment which migratory barriers are not terrible.
World economic crises put new challenges and lead to bigger participation of the state in economy owing to focus of state policy on ensuring necessary social protection of the population. The unavailability of the population and business to risks and need to change the behavior as economic agents in the conditions of modern challenges turns out to be collateral consequence of high activity of the state. Nevertheless, the digital revolution which is taking place before our eyes leads to the fact that Kazakhstan needs to include digitalization as state policy in plans of the development.
In the key world ranking of development of ICT calculated under the auspices of the UN - ICT Development Index, - Kazakhstan in 2016 held the 52nd place from 175, without having changed the provision since 2015. As a result of program implementation and other strategic directions the country will rise in rating to the 30th place by 2022, the 25th place by 2025 and to the 15th place by 2050.
Kazakhstan is also the catching-up country and in the rating of e-intensity of the international consulting company The Boston Consulting Group from the point of view of the current level of digitalization. Overcoming the catching-up status in the Program requires availability of revolutionary, breakthrough actions for all directions of digitalization standing on the agenda of the countries of the world.
These directions include digital transformation of traditional industries of economy, development of human capital, digitalization of activities of state agencies, development of digital infrastructure, and also break in the field of development of ecosystem of entrepreneurship in the field of digital technologies and, as a result, change of models of production and creation of value added in real production sector.
Together with it Kazakhstan does not start "from straight". In the 90th years the state program on the development forced industrial innovatively started, the program of the international formation of Bolashak is initiated, in 2005 forming of "the electronic government" is begun. Also in Kazakhstan number of elements of innovative ecosystem is already created, SEZ "Ala Tau PITAS, AOO "Nazarbayev University" functions, the international technopark of Astana hub is started. The basic level of digital literacy has 3/4 adult populations of our country, more than 3/4 - have Internet access. It is considerable base from which we can make a start in program implementation.
The State program "Information Kazakhstan-2020" approved in 2013 became one of steps to creation of conditions for transition to information society. As the base for digital transformation of national economy this program promoted development of the following factors: transition to information society, enhancement of public administration, creation of institutes of "the open and mobile government", growth of availability of information infrastructure not only for corporate structures, but also for citizens of the country. By results of three years of implementation of the State program "Information Kazakhstan-2020" 70% of actions are already performed, for 40% target indicators are exceeded. However rapid development of IT in global scales dictates the rules and requires proper and timely response. Therefore the following step for Kazakhstan - in time to initiate process of transformation of key industries of national economy, education, health care, and also the sphere of interaction of the state with society and business.
The head of state in the Message to the people of Kazakhstan of January 31, 2017 declared the Third upgrade which core is digitalization, noted need of cultivation of the new industries created using digital technologies and that "it is important to provide development of communications, universal access to fiber optic infrastructure. Development of the digital industry will provide impulse to all other industries". In the National implementation plan of the President's letter to the people of Kazakhstan of January 31, 2017 the criterion of goal achievement of realization of the Third upgrade of the country was determined - Kazakhstan will be included into number 30 of the developed states of the world by 2050. For this purpose annual average growth rates of economy shall be up to standard % 4,5-5. Sectors of economy which are capable to provide 70% of GDP growth, employment increase of the population, export and investment attraction shall become key drivers in new model of growth. The priority directions which are in vanguard of the Third upgrade are in connection therewith approved. Other 30% of growth are supposed to be provided with social industries (health care, education, employment) and ICT industry in the short term.
In the fifth priority of the Third upgrade the President of the country designated relevance of fight against cybercrime, religious extremism and terrorism. In the Message of the Head of state the order to the Government and Committee of homeland security is made to develop the concept "Kibershchit Kazakhstana" which purpose is ensuring information security of society and state in the field of informatization and communication, and also protection of personal privacy of citizens when using of information and communication infrastructure by them.
Therefore, there are readiness and all necessary premises for achievement of the ambitious goal set in this Program, and realization of changes, necessary for its achievement.
New digital revolution changes today's methods of production, supply chain and chain of creation of value added. The industry 4.0, one of drivers of digital transformation of the industry, represents the concept of production organization where additional value is provided due to integration of physical objects, processes and digital technologies in case of which monitoring of physical processes is in real time performed, the decentralized decisions are made, and also there is interaction of machines among themselves and people. End-to-end digitalization of all physical assets and their integration create basis for transition from mass production to mass individualization, flexibility of production increases, time of development of new products is reduced that allows to realize new business models and to apply individualized approach of work with clients. All this substantially increases efficiency and competitiveness of the companies of the industry.
The extracting, processing industry and power industry
Subsurface use constitutes basis of real production sector of Kazakhstan at the moment. However the sector of processing industry of advanced processing is still insufficiently developed. The power industry provides requirements of the population and production, but requires transition to more technological and resource-saving level.
Kazakhstan is among world leaders on inventories of mineral resources. The source of raw materials of the country wins first place in the world on explored reserves of zinc, tungsten, barite, the second - on uranium, silver, lead and chromites, the sixth - on gold, the twelfth - on oils, and the fourteenth place on inventories of natural gas.
In 2015 in general because of fall of the world prices for mineral resources there was decrease in production volumes in the mining industry on % 2,5, reducing oil extraction on 1,7 of %, coal and lignite - on 7, %, iron ore - for 22%. In 2016 fall of production volume of mining industry constituted % 2,7. Nevertheless, in the long term oil and mining sectors keep importance for functioning of the Kazakhstan economy. At the same time the labor productivity in subsurface use remains at the low level, as well as technological equipment of production.
In mining and processing industry key trend is transition to new technological level according to the concept of the Industry 4.0.
Now the ore mining industry of Kazakhstan has insufficient, in comparison with world leaders, technological equipment that in general, leads to low labor productivity and competitiveness. In spite of the fact that the part of fields in the country is equipped with the modern equipment and the developed data transmission networks (21%), the essential part of fields needs upgrade. So 56% of fields are characterized by absence of networks or their insufficient development, 23% of fields require complete replacement of the equipment.
Among the most significant restraining factors of development of digital component of mining industry limitation of financial resources, shortage of the qualified personnel having hybrid specialization - both in industry, and in IT, insufficient understanding of economic benefits from digitalization implementation, and also restriction of infrastructure are.
Processing industry - industry of economy which development is one of the most important conditions of sustainable development of Kazakhstan. The processing industries create demand for high-tech services, create engineering competences and high-quality workplaces. At the same time regarding technology development more than 80% of the companies of processing industry are characterized by low extent of automation and penetration of digital technologies. So, for example, in oil processing annual planned stops of oil refinery on repairs are used at the moment that confirms not optimized processes of repair and equipment maintenance and respectively attracts increase in costs in general.
The main world trend in power is implementation of different Smart of technologies for the purpose of ensuring effective information exchange between all elements and members of network, protection and self-recovery against large failures, natural cataclysms, external threats.
The sphere of environmental protection needs operational, reliable and full information. With respect thereto questions of automation have important strategic importance as further results of activities in the field of environmental protection will develop not only from condition of material resources, qualification of personnel, but also from reliability and efficiency of submission of all ecological information.
Transport and logistics
High-quality transport and logistic infrastructure gives powerful spur to development of economy due to increase in connectivity of the territory and overhead reduction on the goods delivery to the destination.
For receipt of the maximum effect of development of infrastructure of communication networks it is required to develop in parallel transport connectivity of the territory as due to development of all types of transport connection and reduction in cost of its cost, and due to development of infrastructure of transfer and cargo delivery. Now Kazakhstan has advanced network of railway tracks, however insufficiently developed highway network and is excessive expensive air transportation. Multimodal transcontinental transportation of goods Europe-Asia develops, but also there is high potential of growth. There is small amount of maritime and river transports in which there is also unsolved potential of growth.
As for examples of international experience in the problem resolution of transport industry of economy, in the USA developed the first standards on intelligent transportation system for this purpose in the mid-nineties of last century. During the period from 2002 to 2012 in the USA the program of national intelligent transportation system was realized. Japan started creation of intelligent transportation system in the first half of the 70th years of last century from scientific research which was drawn up further in the form of the socially oriented program for increase in national welfare. In China in 2007 "The development strategy of intelligent transportation system of China" is accepted. The corresponding tasks for development and deployment of services of intelligent transportation system are reflected in five-year development plans for economy of China.
Thus, ensuring further growth of transport and logistic industry requires implementation of transport system which would promote increase in transit potential by control of vehicles, to strengthening of safety on transport by operational information processing and development of optimal and rational solutions and corrective actions.
Shows experiment of foreign countries that increase in cargo flow can be reached, including due to optimization of paper document flow, applying the international standard "E-freight", in the course of air cargo carriages, and also development of multimodal transportations.
Problems of industry lie in several measurements and concern internal and external contours:
- low control of transit and inward cargoes;
- lack of possibility of monitoring, the analysis and forecasting of all types of transport for decision making;
- underdeveloped logistic infrastructure.
Above-mentioned problems lead as to non-use of transit potential, and creation of barriers to development of internal production.
Agricultural industry
Agricultural industry - one of key industries of economy of Kazakhstan ensuring food and economic safety, and also labor capacity of the country, especially in the rural zone. By data for 2016 VDS of rural, forest and fish farms constituted 4,6 of % of GDP of the country, 18% of the working country population are engaged in industry.
Gross production (services) of agricultural industry in 2016 in general on the republic constituted 3rd 684, 4 billion tenges that there is higher than the level of 2015 on % 5,4. For 2016 increase in production of products of crop production constituted 7,5 of % and products of livestock production - on % 2,8. Nevertheless, the agricultural industry remains industry with unrealized potential of growth.
Despite positive dynamics of gross release of agricultural industry, production volume in general lags behind growth rates of consumption and the income of the population, and preserving labor productivity and product competitiveness at a low level does not allow to increase release that causes high share of import in internal consumption. With the entry of Kazakhstan into the World Trade Organization also requirements to increase in competitiveness in the foreign markets amplified.
As shows experience of developed countries, such as the USA, Canada, Australia, digital technologies cardinally change this traditional industry. The modern geographic information systems and big data obtained from different sources including IoT, promote receipt of big crops without depletion of the soil, and with rational use of resources. The industrial Internet of things allows to create the automated farms with remote management. The developed system of logistics and electronic trading allow to reduce cost of delivery of agricultural products to the final consumer even to small farms with preserving its quality. It is important factor of preserving and development of production of environmentally friendly products both from the point of view of preserving health of the nation, and from the point of view of realization of the export potential.
Today in agricultural industry of the Republic of Kazakhstan the share of the agricultural producers applying digital technologies is insignificant that limits gain in productivity and expense reductions. Besides, farmlands either are not used for designated purpose, or used inefficiently, and it is difficult to control it owing to the big territory, low density of population and lack of necessary infrastructure of monitoring of condition and use of lands with the analysis and forecasting in the short-term and long term.
Fishery is of great importance as source of the income, bases for the economic growth, employment of the population, increase in export of fish products, other potential opportunities and as renewable source of biological diversity. Uncontrollable illegal catch and shadow turnover of fish products can lead to disappearance of fish resources and deficit of food products, there is need of identification of shadow turnover of fish.
There is high potential of transformations in agricultural industry by means of digital technologies, and in the conditions of the full-scale program of digitalization the agricultural industry is capable to reach qualitatively new level of development and to become the national economy driver. The main directions of implementable actions of the program of digitalization of agricultural industry are increase in productivity and labor productivity, preserving food security of the country.
Electronic trading
Trade - the most important driver of economic growth in Kazakhstan. Share of wholesale and retail trade; car repairs and motorcycles in GDP of Kazakhstan for 2016 constituted % 16,8, and its contribution to GDP in separate years of the last two decades constituted 2 percent points. At the same time the share of electronic trading constitutes rather small part of the retail turnover today - 1% in 2016.
At the same time, in developed and developing countries electronic trading promptly develops, its positive impact extends not only to the sphere of business, but also to quality of life of the population in the country in general. In particular, thanks to electronic commerce the population gets access to bigger goods quantity at lower prices, for example, due to involvement in international trade. From the point of view of business impact It should be noted that the growing popularity of electronic commerce leads to increase in number of the people wishing to open own business in this sphere.
It is supposed that in the next 10 years attractiveness of electronic trading will increase due to number of high-quality changes. Among them - increase in efficiency of delivery, including due to use of new delivery modes, wide use of client analytics, expansion of the range of goods and growth of popularity of mobile commerce.
At the same time, it is necessary to consider number of the barriers to development of electronic trading which are present at all stages of chain of value creation.
So, at customer acquisition stage the limiting factor is insufficient promotion of electronic trading and players, electronic trading is not advertized on television and in outdoor advertizing that also does not allow to attract new consumers.
Under the organization of access to electronic platform there are frequent technical failures of IT systems at players of the industry of electronic trading. At the same time as one of the most widespread problems there is inability of universal adaptation of systems for use of them from mobile devices.
In addition, in Kazakhstan the shortcoming of specialists with the specific competences necessary for development of the industry, for example, of Internet marketing specialists and content specialists is felt.
Picking, shipment and the goods delivery are complicated by the insufficient level of development of transport and logistic infrastructure that becomes the reason of expensive and long logistics.
Online, low level of knowledge of citizens, weak availability of loan financing to MSB and the adverse economic conjuncture causing high capital cost are added to all above-mentioned difficulties low culture of consumption.
There are also key problems in the field of legal regulation of the sphere of electronic commerce. The difficult customs procedures limiting export of the companies of electronic trading, lack of tax benefits, and other efficient incentives from the state, restrictions for development of the foreign companies, including krossgranichny trade and big shadow turnover of trade concern to them.
Financial sector
The financial sector is important element of economy, and the speed and quality of the proceeding changes depend on its condition. Now electronic payments and electronic trading became integral part of the financial sector. The financial industry traditionally acts as the leader in implementation and use of innovative technologies and digital services for customer interaction. Practically all banks provide services by means of remote channels. 70% of banks render services to physical persons by means of the Internet and mobile banking, 55% of banks provide the services based on mobile applications. The amount of payments of physical persons with use the Internet and mobile banking in 2016 in comparison with 2015 increased in time 2,6. For investors the procedure for rendering electronic services by brokers, including carrying out trading activities based on the digital signature of the client and rendering electronic services through personal account was simplified. It simplified access to the market of regional investors and allowed investors to perform trade in financial instruments in the Kazakhstan stock market from any point of the world.
Obstacles to further digitalization of the financial relations are lack of effective regulation, unified standards of electronic interaction of the financial sector with the state information systems and databases, the universal mechanism of remote identification of clients, and also the insufficient level of financial literacy of the population.
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The document ceased to be valid since May 17, 2022 according to Item 1 of the Order of the Government of the Republic of Kazakhstan of May 17, 2022 No. 311