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The impact of digitalization on the Kazakhstan banking services market
Annotation: Main problem: In recent years, the world has seen the widespread impact and implementation of digitalization in all areas of activity. The financial sector is increasingly feeling the impact of this trend. Today, banks are the leaders in this sector in the use of digital innovations. In connection with current events in the world, banks needed to resort to transformation of their products. Products and services such as Internet banking, chat bots, contactless payment systems, biometric identification technologies, etc. appear and are constantly updated. The article discusses the main trends in the development of digital banking products and their impact on the performance of banks. Purpose: is to study and evaluate new digital banking products and their impact on the key performance indicators of the banking sector. Results and their significance: The directions and trends in the development of new digital banking products were studied and the performance indicators of the banking sector of the Republic of Kazakhstan were compared.
Year of release: 2023
Number of the journal: 4(92)

Productivity of remote pastures depending on the season in conditions of vertical soil regionality
Annotation: The development, grovth and productivity of livestock depend primarily on providing it with a variety of nutritious feeds. Daily feeds should consist of microbiologically synthesized protein, as well as a variety of seeds, mineral and vitamin supplements of animal and vegetable origin. Indeed, the maximum disclosure of the genetic potential of livestock largely depends on both the quantity and quality of feed. One of the stages of feed quality assessment is the measurement of their chemical composition. The chemical composition is not always constant and depends on many factors, including the species composition of plants, fertilizer application rates, climatic conditions and storage methods. The least accumulation of moisture in the soil was observed in areas where pasture grasses were regularly treated with wormwood. Pacture productivity was also the lowest in the control plots, where the average phyto-chemical composition over three years showed that the dynamics of protein content was the same in all pastures – the protein content reached a maximum at the beginning of the growing sea son and decreased from spring to autumn, while the lowest content of crude protein during harvesting in summer was in control plants of varieties
Author: Zh. Issayeva
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Development of Technology for the Production of Meat Products of the "Halal" Category for Functional Nutrition
Annotation: The article is devoted to the development of technology for meat products of the "Halal" category. The authors consider the main problems of the meat industry in the field of the development of meat products of the "Halal" category in accordance with the National Program "Development of meat farming for 2018-2027", as well as the peculiarities of the production of meat products of the "Halal" category in Kazakhstan. A technology for the production of sausages for frying of the "Halal" category based on minced turkey and beef meat for functional nutrition has been developed, organoleptic, physico-chemical parameters of the new product have been studied. The mass fraction of protein is 8 %, the mass fraction of fat is 7 %. The authors of the article have developed a technological scheme for the production of a new product of the "Halal" category, which includes: acceptance of raw materials, cutting, deboning, veining, grinding to 2-3 mm of meat raw materials. At the next stage, meat is cooked at t 2-4 0C for 12 hours, minced meat is prepared (adding jerusalem artichoke 3 %, adding vitamin premix "Rovifarin" in an amount of 1.0 %, as well as spices and garlic according to the developed recipe). At the next stage, the minced meat is stuffed into natural shells with a diameter of (32-44) mm, cooled at t (4 + 2) 0C, stored at t (4 + 2) 0C for 36 hours. During the microstructural study of a sample of boiled and smoked sausage produced using traditional technology, it was found that the mass of the sample was formed from large fragments of muscle, fat and connective tissue (0.7-1.4) microns. The layout of the structural elements of the minced meat is dense, vacuoles and microcapillaries are rounded in shape, sometimes without clear boundaries, merged, with a size of (60-300) microns.
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Computer Modeling of the Electrical Conductivity of the Geological Environment in Problems of Monitoring the Reliability of the Foundation of Roads, Buildings and Engineering Structures
Annotation: Main problem: Monitoring the reliability of the foundation of roads, buildings and engineering structures is an important aspect of geophysical research. Modeling of geological heterogeneities is relevant. Moreover, the use of computer modeling in this problem is associated with computational costs. Purpose: Analysis of the vertical electrical sounding (VES) method for modeling the physical properties of soil and their changes when exposed to elastic vibrations. Methods: To achieve the goal, the vertical electrical sounding (VES) method was used, using a one-dimensional model of the geological environment. The direct VES problem was solved by calculating the Hankel integral. Results and their significance: The study made it possible to model a large number of soil layers using the VES method. The results obtained make it possible to determine the parameters of detected objects and changes in the characteristics of the controlled environment when exposed to elastic vibrations. The significance of the results lies in the possibility of improving the method for modeling the physical properties of soil and taking into account their changes under the influence of elastic vibrations, which helps to increase the efficiency and accuracy of monitoring the reliability of the foundation.
Author: A.A. Bykov
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Ways to Solve the Problem of Recycling Household and Industrial Waste in Pavlodar
Annotation: The relevance of this article is that the impact of human economic activity on the natural environment is becoming comparable in scale to geological factors. In this regard, the importance of protecting the biosphere has increased immeasurably. The earth is the only common home of all earthlings. Society, including us, cannot help but worry that the planet has approached a critical ecological threshold. The main goal of the research that we set for ourselves in this article is to create a predictive model for overcoming the environmental crisis in the following areas: environmental education, greening technologies, administrative and legal direction, international cooperation. To achieve the result, we tried to process as much information as possible, analyze the situation, draw appropriate conclusions and propose our own model for overcoming the environmental crisis. The hypothesis is that environmental pollution, improper disposal of household and industrial waste, and poor environmental culture have a detrimental effect on the ecology of the city, poisoning the environment and public health. The main research methods used were methods of empirical knowledge - these are observations, survey methods, questionnaires, as well as theoretical methods. The results of these studies can be used to inform the population about the impact of waste on human health, as well as the importance of storing, recycling and obtaining secondary raw materials, in order to reduce the amount of garbage on city streets. And also about the existence of unauthorized waste collection sites and administrative responsibility for the creation of such landfills in the city and in the surrounding area, this is an educational activity in all areas of education, starting from preschool institutions, the media, advertising agencies, NGOs, environmental authorities and also, using international experience, in the construction of a solid waste processing plant in his hometown.
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Expansion of Communication Contact Between the State, Business and Society in the Republic of Kazakhstan
Annotation: Main problem: digital transformation of Kazakhstan’s society leads to emergence of new communication business models, including the so-called proactive data-based service, which implies expansion of communication contact between the state, business and society. Digital transformation of economic sectors and the service sector has objectively caused discussion of issues related to various aspects of its implementation. These include digitalization of society spheres within framework of public administration [1], problems of interaction between business and government [2], mechanisms of interaction between subjects in the private-public partnership model of government and business [3], description of communication models of business types, government and public sector [4], history of emergence of electronic trade, its forms and types of goods delivery to a consumer [5], organizational and managerial relations and processes arising in enterprises, working in field of online marketing and e-commerce [6]. In Kazakhstan, digitalization of spheres and the economy sectors is one of strategic priorities of its development. Use of information and communication technologies in the service sector creates additional impulses to its dynamics, therefore, has impact on improving population’s life quality. In this regard, it is necessary to identify trends and patterns of communication interaction between the state, business and society, to consider and clarify their content. The purpose: the research of state and trends in the development of Kazakhstan service sector under the influence of digital solutions and expansion of communicative contact between the state, business and society. Methods: the performed analysis in the research is based on the materials of the statistical reviews and their analysis using the methods of grouping, generalization, logical analysis, system description and interpretation. Results and their value: a range of the key problems of communication interaction between the state, business and society is investigated and determined. Recommendations are proposed to accelerate the development of e-commerce in Kazakhstan as a tool for communication interaction between business and society and improving population’s life quality.
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Digitalization of accounting and its impact on the activities of small and medium-sized businesses
Annotation: Main problem: For several years, the state has been trying to reduce bureaucratic processes with entrepreneurs, make accounting transparent, reliable and with less labor costs. At the moment, without digitalization in accounting, it is impossible to predict the further development of trade and economic relations in general, since it significantly affects the sale, movement and shipment of goods. The gradual transition of the economy of the Republic of Kazakhstan to the path of digitalization can be considered the most important condition for the development of both the country’s economy and the Eurasian Economic Union. Digital inspection is the process of monitoring goods using digital systems, which helps reduce the risk of human error. In the context of digitalization, work with documentation should be structured in such a way that access to them is ensured throughout the entire limitation period, thereby facilitating the taxpayer in making the right economic decisions. The purpose of this article is to consider the gradual integration of digitalization into the field of accounting for both small and medium-sized businesses, and also to consider its impact on the business processes of organizations. The main objective of the article is to consider the introduction of digitalization into business processes and possible problems during its integration, as well as to identify ways to eliminate them without losses for both the state and small and medium-sized businesses. Methods: In the course of writing this article, a dialectical approach was mainly used, which made it possible to examine in detail the process of reflecting and controlling document flow when moving goods in the context of digitalization. Approaching the issue theoretically and summarizing practical experience, it was possible to identify the positive and negative aspects of accounting and control of the movement of goods on the territory of the Republic of Kazakhstan and beyond its borders in the conditions of rapidly developing digitalization. Results and their significance: This article reflects the main directions of modernization of accounting and operational accounting in Kazakhstan in the context of the progressive digitalization of the economy. The necessity of creating an information environment for managing economic processes and optimizing the operational activities of an enterprise is substantiated, and the positive and negative aspects of the integration of various information systems and modules for maintaining accounting and operational records at an enterprise are considered
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Transformation of the planning system as a management function in the digital economy
Annotation: The main problem: In the context of the rapid development of the digital economy, where technological innovations become the engine of progress, the role of planning in the management function acquires new dimensions and comes to the fore. Digital transformation not only redefines business models, but also requires organizations to reconsider their approaches to strategic and operational planning. Planning, as an integral part of management, is becoming a key tool for enterprises to adapt to the rapidly changing conditions inherent in the digital age. In this context, effective planning does not just foresee the future, but is a catalyst for innovation, risk management and achieving strategic goals in the context of digital dynamics. The purpose of the article is to study the transformation of the planning function in modern management in the digital economy. Methods: The research is based on a thorough analysis of the works of both domestic and foreign scientists devoted to the problems of choosing and using intra-company planning tools in the context of digitalization of the economy. To achieve the goals of the research, systematic and functional approaches of scientific cognition, as well as various methods of scientific analysis and synthesis were applied. In particular, modeling methods were actively used, which made it possible to explore in more depth the interrelationships and the impact of selected intra-company planning tools on the efficiency of enterprises in a new digital context. Results and their significance: The article examines the key aspects of changes in planning caused by the introduction of digital technologies, automation and data analytics. The authors analyze the impact of the digital economy on decision-making processes, long-term and short-term planning, and also emphasize the need to adapt management methods for effective navigation in the modern business environment.
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Universal coordinates and methods of reformatting an ambiguous humanitarian paradigm
Annotation: The main problem: In the conditions of market uncertainty, the coronavirus pandemic, the absence of an officially articulated national idea, national interests and ideology in Kazakhstan, the problem of the lack of logically justified and coordinated coordinates of systemic thinking, an unambiguous paradigm of humanitarian thinking (analytical, pedagogical, managerial, economic, etc.) is becoming more and more clearly realized. as the most important conditions for personal, civil and professional self-determination. Purpose: to substantiate the general logical coordinates and methods of reformatting the ambiguous humanitarian paradigm used in the activity. Methods: the ontological principle of genetically meaningful logic, the method of transformation of concrete images of objects based on their abstract essence, the method of ascent from the abstract to the concrete, the speculative language of schematic images of thought and the language of methodological theory of activity. The results and their significance: logically justified universal abstract-concrete coordinates of universal motion are given. In relation to life and the world of activity, they can be concretized by coordinates: "standard of living – efficiency of activity", or "efficiency of activity – time", or "results – costs", or "quality – quantity", etc. The use of motion vectors in the logic of descent from the concrete to the abstract (NCA), ascent from the abstract to the concrete (AAC), as well as in their combination – logic CAC gives certainty to thinking. As an example, the scheme of the qualitative difference between educational (pre-professional) activities from professional ones using these methods and paired dialectical categories is given. The scheme and description of the functional model of the system object, considered as a rubicon of the transformation of educational activity into professional activity, are given. To reformat the indefinite, ambiguous paradigms of the humanities used in the activity into functional-logical, visible, constructive and unambiguous, it is recommended to use abstract-concrete coordinates, the methods given, the language of schematic images and the paradigm of the methodological theory of activity. As an example, the concept of a typical unit of activity development is given. A visible unambiguous paradigm is a necessary, but not sufficient prerequisite for adequate personal, civil and professional self-determination of a person in situations of high uncertainty. A sufficient prerequisite is the acquisition by subjects of appropriate reflexive-thinking abilities for self-determination, self-organization, self-regulation, etc.
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Research competence as one of the components of the system of key competencies
Annotation: The main problem is that the study of research competence does not lose its relevance nowadays, but on the contrary, requires special attention of teachers of secondary schools. The main subject of the study is teaching students research skills to the most effective methods of mastering key competencies. Objective: the role of research competence in the learning process of students. Methods: analysis, synthesis and comparative analysis are the main research methods. Results and their significance: as a result, the concept of "research competence" was studied. Various views on this idea are considered. In the last ten years, the program of socio-economic development of Kazakhstan has determined the main directions of the development of the system of education of students. The research has both theoretical and practical significance, since its results can be used in the development of programs and methods for the development of research competence in biology lessons.
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