This study aims to study Kazakhstan’s regions and identify places with the best potential for developing smart cities based on cluster analysis. To analyze the differentiation by the level of development, 17 regions of Kazakhstan are grouped according to 2020 data from the statistical bulletin of the National Bureau of Statistics of the Republic of Kazakhstan. The formation of groups of regions with different values of indicators was carried out based on agglomerative clustering using the single linkage, complete linkage, and Ward’s clustering methods. In agglomerative clustering, the algorithm groups regions based on observations into clusters, and indicators determine each area’s innovative development level. The instrument to build clustering is the “RStudio” software package. As a result, regions with their essential characteristics were identified, and an assessment of their prospects was obtained with the most significant potential for developing and managing “smart cities” – Atyrau region, Almaty city, and Astana city. The remaining clusters include regions where favorable conditions for the development of innovations have not yet been formed, which require more resources and efforts to build “smart cities.” Therefore, they should not be the first to implement this concept. They need a more balanced, integrated approach, ideally supported by experience in implementing the idea in more promising regions. In a sense, clustering also allowed for identifying potential (or even existing) innovation clusters in regions of Kazakhstan. The study results can be used in developing government programs to form smart cities and further study the potential of smart cities.
The COVID-19 pandemic has accelerated the development of FinTech and the transition to cashless payments of the population of various countries, including Kazakhstan. For provision of cashless payments there are created platforms which work in NFC & MFS systems, they protected by security protocols (Secure Element (SE)) and allow to store confidential user data. Changes in the business model of banks have led to the emergence of a new format of banking products and services that can be used through smartphones (the main operating systems Android and iOS). The goal of the study is to analyze the dynamics of the impact of the COVID-19 pandemic on the use of cashless payments through national payment systems in Kazakhstan. Based on the goal, a null and an alternative hypothesis were set, of which the second was confirmed in the result. Research methods used to write this article are economic and statistical analysis and synthesis, graphical method, analysis of the series of dynamics. The data for the study was taken from the NBK Statistical Bulletin: data on cashless payments through the Interbank System of Money Transfer (ISMT) and the Interbank Clearing System (ICS) for the period from 2002 to 2020. The impact of the COVID-19 pandemic on the dynamics of the transformation of cashless payments made by using financial technologies has been proved. Recommendations for further improvement of the financial system are given. The development of national payment systems makes it possible to reduce the level of fraud in the financial sector, to increase the speed of cashless transfers and level out transaction errors. Study limitation: only national payment systems ISMT and ICS were used.
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