scholarly journals Analysis Of The Dynamics Of Cashless Payments In Kazakhstan In The Context Of The Covid-19 Pandemic

2021 ◽  
Vol 16 (2) ◽  
pp. 54-61
Author(s):  
A. Kredina ◽  
A. Akparova ◽  
L. Vasa
Keyword(s):  
Graphical Method ◽  
Alternative Hypothesis ◽  
Payment Systems ◽  
Clearing System ◽  
Analysis And Synthesis ◽  
User Data ◽  
Money Transfer ◽  
The Impact ◽  
Method Analysis ◽  
Main Operating

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.

scholarly journals PROBLEMS OF THE DEVELOPMENT OF PEASANT ECONOMIES AND FARMS IN THE MINDS OF THE LAND REFORM IN UKRAINE

2019 ◽  
pp. 113-125
Author(s):  
Olena Pimenova
Keyword(s):  
Land Reform ◽  
Agricultural Land ◽  
Graphical Method ◽  
Historical Analysis ◽  
State Regulation ◽  
Synthesis Methods ◽  
Expert Evaluation ◽  
Farm Model ◽  
Analysis And Synthesis ◽  
The Impact

The historical analysis of the development of national forms of economy has been carried out. It has been determined that the most economically advantageous for society, vital, rational, socio-ecological-economic forms of economy are peasant economies and farms. The methodological basis of the study as to the identification of rational and effective forms of economy are general scientific methods, including methods of historical analysis, generalization, comparison, analysis and synthesis, methods of expert evaluation, graphical method. In the course of the research, the methods of historical analysis, generalization, analysis and synthesis were used in carrying out a retrospective analysis, in particular the research of scientific opinion on the effectiveness of such forms of economy as peasants and farms and the impact of land reform on their development; the method of expert evaluation in the survey of peasants and representatives from the administration of Radomyshl region of Zhytomyr oblast to determine their opinion – how the land reform will affect on the development of peasants and farms; graphical method for constructing tables and graphs. The study of the world experience in agriculture confirmed that the development of the farm model as a priority model of economy in agriculture is possible only with the active support of a state, as an institution that regulates land use through administrative and economic measures and provides legislation through limitation of purchase of land and the potential withdrawal of this land from agricultural circulation, and also involves the implementation of targeted programs through the financing of individual activity. An important function of state regulation is the conservation of the agricultural land fund. In developed countries, there are some restrictions on the land market to prevent latifundia. It is substantiated that in the course of land reform, the agrarian policy should be focused on preventing the creation of latifundia with large land tenure, as well as on the support, protection and development of peasant economies and farms as viable forms.

EFFECT OF COOPERATION WITH THE EUROPEAN AGENCY FOR THE MANAGEMENT OF OPERATIONAL COOPERATION AT THE EXTERNAL BORDERS OF THE MEMBER STATES OF THE EUROPEAN UNION (FRONTEX) ON THE FACILITATION OF TRAINING PROCESS OF THE LATVIAN STATE BO

2016 ◽  
Vol 1 (6) ◽  
pp. 25
Author(s):  
Iluta Arbidāne ◽  
Aleksejs Lobanovs ◽  
Viktorija Pokule ◽  
Arvīds Liepiņš
Keyword(s):  
European Union ◽  
Graphical Method ◽  
Legal Regulation ◽  
The European Union ◽  
Training Process ◽  
Member States ◽  
Analysis And Synthesis ◽  
Method Analysis ◽  
Descriptive Method ◽  
European Agency

The research focuses on major cooperation directions established between the State Border Guard of Latvia and the European Agency FRONTEX. It deals with the legal regulation of SBG and FRONTEX cooperation, depicts and analyses SBG and FRONTEX cooperation in the field of training as well as explores the main pillars of SBG and FRONTEX cooperation development perspectives. The aim of the research is to investigate how SBG cooperation with the Agency for the Management of Operational Cooperation at the External Borders of the Member States of the European Union (Frontex) influences the increase of SBG officers’ capacity regarded in carrying out their functions. The main tasks that were brought up are as follows: to investigate the legal regulation of SBG and FRONTEX cooperation as well as to analyse the main directions of SBG and FRONTEX cooperation in the training process of the officers, finally, to study perspectives of SBG and FRONTEX cooperation development aiming at officers’ capacity building.  The key methods employed in the framework of this research are: descriptive method, analysis and synthesis, clustering, graphical method.  

PROSPECTS FOR THE DEVELOPMENT OF THE LEGAL MECHANISM FOR THE FUNCTIONING OF PAYMENT SYSTEMS

2020 ◽  
Vol 13 (3) ◽  
pp. 079-084
Author(s):  
ELIZAVETA SALINA ◽  
Keyword(s):  
Legal Framework ◽  
Legal Regulation ◽  
Payment System ◽  
State University ◽  
Payment Systems ◽  
Proper Functioning ◽  
Money Transfer ◽  
Level Of Significance ◽  
Transfer Services ◽  
Legal Mechanism

1 Lomonosov Moscow State University, Moscow, Russia The presented research reveals an approach to the construction of a legal mechanism for the functioning of payment systems. The proposed approach is based on the application of the principles of legal regulation. The purpose of a work is to determine the existing legal mechanism for the functioning of payment systems, identify its drawbacks and propose a new approach to legal regulation to ensure the proper functioning of payment systems. The proposed approach to legal regulation takes into account the specifics of the functioning of payment systems, which consists in the presence of three elements in its activities: institutional, procedural and organizational. These elements reflect the subject structure of the payment system, the process of providing money transfer services by them, and the ways in which payment system entities interact during providing payment services. Each of the elements must be defined within the legal framework of the payment system to ensure its proper functioning. The proposed principles of legal regulation take into account the features of these elements, in particular, the principles are classified into three groups, depending on the element they affect. The paper describes ways to implement the principles in the legal mechanism: the possibility of their direct application, depending on the type of significance of the payment system, is analyzed. It is also concluded that the implementation of the principles in the legal mechanism will reduce the regulatory burden on payment systems by using an approach depending on the level of significance of the payment system. The paper defines the role of the principles, which is that the principles allow to eliminate the legal gaps in the legislation on the national payment system, and prevent the emergence of new gaps.

The specifics of shadow economic activity in Russia

2020 ◽  
Vol 19 (10) ◽  
pp. 1896-1915
Author(s):  
E.R. Ermakova ◽  
O.M. Lizina
Keyword(s):  
Economic Activity ◽  
Shadow Economy ◽  
Integrated Approach ◽  
Economic Activities ◽  
Reproductive Process ◽  
Scientific Methods ◽  
Current Period ◽  
Russian Economy ◽  
Analysis And Synthesis ◽  
The Impact

Subject. The article addresses the specifics of shadow economic activities in reformed Russia in the context of systemic transformations. Objectives. We focus on determining the role of shadow economy in the reproductive process, identifying and understanding the specifics of underground economic activity of the Russian economy. Methods. The study rests on general scientific methods (scientific abstraction, unity of historical and logical, analysis and synthesis, induction and deduction, comparison and analogy) and special methods of cognition (monetary methods). We employ the systems and integrated approach. The official statistics, regulations, works of leading researchers on shadow economy expansion, resources of reference and legal systems like Garant and ConsultantPlus serve as the study's information base. Results. We present a retrospective rapid analysis of the extent of shadow economic activity in the domestic economy, establishing the relationships with the processes that take place at different stages of the country's development. We also reveal the specifics of shadow economy relations in Russia, factors that play a key role in expansion for a particular period, a shift to another form of shadow economy. The study characterizes the current period of development, assesses the impact of external shocks on shadow economy expansion. Conclusions. The current period is characterized by the digitization of shadow relations, the shift of corruption to the upper echelons of power, the continued outflow of capital abroad, and increased penalties for underground activities.

scholarly journals Stationary Traffic as a Factor of Tourist Destination Quality and Sustainability

2021 ◽  
Vol 13 (7) ◽  
pp. 3965
Author(s):  
Robert Maršanic ◽  
Edna Mrnjavac ◽  
Drago Pupavac ◽  
Ljudevit Krpan
Keyword(s):  
Synthesis Method ◽  
Hotel Industry ◽  
Point Of View ◽  
Tourist Destination ◽  
Scientific Methods ◽  
Tourist Destinations ◽  
Analysis And Synthesis ◽  
The Republic ◽  
Method Analysis

Since the Republic of Croatia is one of the most popular European and world tourist destinations, the aim of this paper is, from the user’s (n = 596) point of view, to research the importance of stationary traffic in tourist destinations. The purpose of this paper is to point out the possibilities of improving the tourist destination quality and sustainability through an adequate parking service. In order to corroborate constructed scientific hypotheses, a larger number of scientific methods were used from which a polling method, analysis and synthesis method, descriptive statistics method, t-test, and analysis of variance (ANOVA) should be singled out. The major finding of this paper indicates a relatively big importance of stationary traffic (M = 6.51; SD = 2.21) as an element of tourist destination quality. Moreover, regarding the quality of tourist destination, the results of this paper suggest that the parking space availability is more important than the way parking or parking payment are organized. Between the experienced parking problem in a tourist destination and age on one side and evaluation of the importance of stationary traffic as an element of tourist destination quality on the other side, a statistically important connection was established. Gained knowledge can be particularly helpful to hotel industry managers but also to traffic managers whose duty is to provide an adequate number of parking spaces in tourist destinations.

Requirements Capture for Inclusive Design Resources and Tools

Volume 3 ◽  
2004 ◽  
Author(s):  
Hua Dong ◽  
P. John Clarkson ◽  
Simeon Keates
Keyword(s):  
Unmet Needs ◽  
Fundamental Problem ◽  
Inclusive Design ◽  
Planning Stage ◽  
Product Planning ◽  
The Past ◽  
Design Resources ◽  
User Data ◽  
Design Requirements ◽  
The Impact

In the past twenty years, a number of resources and tools to support inclusive design have been developed. However, the impact of these resources and tools on industry is not evident — few industrialists have been using them in practice. Investigations into industry have identified unmet needs, for example, the lack of appropriate user data relating to inclusive design. The fundamental problem is that few resources and tools have been developed based on rigorous requirements capture. In fact, many of them were developed only because the developers think the information could be useful. It is essential to prepare a detailed requirements list when clarifying the task at the product planning stage. This is also true for developing resources and tools for inclusive design. Requirements capture plays an important role in identifying real needs from users and developing appropriate methods of support for them. This paper starts with a survey of available resources and tools for inclusive design, and a discussion on their merits and deficiencies in respect to industry application. A number of methods are employed for the requirements capture for an inclusive design toolkit, which leads to a consistent result. An outline of the toolkit is also presented.

IMPROVING THE EFFICIENCY OF USING INFORMATION AND COMMUNICATION TECHNOLOGIES IN THE BANKING SYSTEM

2021 ◽  
Vol 4 (4) ◽  
pp. 41-46
Author(s):  
Ra’no Parpieva ◽  
◽  
Nafisa Norboyeva ◽  
Adiba Turayeva
Keyword(s):  
Information And Communication Technologies ◽  
Information Technologies ◽  
Banking Sector ◽  
Banking System ◽  
Modern Society ◽  
Communication Technologies ◽  
Payment Systems ◽  
Information And Communication ◽  
Effective Use ◽  
The Impact

This article will serve to select the system required for the effective use of information and communication technologies in the banking system and the impact of national payment systems in the banking sector on modern society, the effective use of new modern information technologies in the system.Study of foreign experience to select information and communication technologies that should be used in modern banks with information and communication technologies in the banking system, which have been used before.

The impact of a pandemic on the development of logistics: EU experience and problems in Ukraine

2021 ◽  
pp. 90-100
Author(s):  
Olena Kuzmenko ◽  
Valentyn Kuzmenko ◽  
Viktoriya Kukhtina
Keyword(s):  
International Business ◽  
Material Resources ◽  
On Demand ◽  
Analysis And Synthesis ◽  
Logistics Market ◽  
General Scientific ◽  
The Impact ◽  
Final Consumer ◽  
The Eu

An important aspect of any industry is the rapid and effective adaptation to changing conditions. The logistics market during the pandemic and related constraints has changed significantly, and competition in this segment has become higher than ever. Many consumers are forced to reduce consumption, companies have reduced supplies and production, diversified their activities. The transportation market has become denser and the struggle for the customer has intensified. Optimization of financial, labor, and material resources through the reduction of activities can negatively affect the quality of logistics services, the speed of processing goods, and their delivery to the final consumer. Based on the relevance, the aim of the research is to study the impact of the COVID-19 pandemic on logistics, assess the results of such impacts in the EU, as well as outline trends and prospects for the logistics market in terms of declining coronavirus and market recovery. The research methodology is based on the use of general scientific and specific methods, in particular: analysis and synthesis, induction and deduction, systematization, generalization. The scientific novelty of the study is that the changes that have taken place in logistics have led to the emergence of new trends and trends that need to be generalized and evaluated in terms of prospects for impact on the industry. The study summarized the conclusion that the coronavirus pandemic created opportunities for some companies and threats for others. As a result of the constraints and challenges that have become inherent in international business and logistics, e-commerce, on-demand delivery, and the concept of “last kilometers” are developing rapidly in the EU and Ukraine. The logistics market has a tendency to consolidate and diversify. At the same time, once the European economy returns to normal, most of the changes that have taken place in logistics will be irreversible. Keywords: logistics, pandemic consequences, trade, supply chain, transport

Revealing of the specificity of mortgage housing lending based on the results of clustering of regions

2021 ◽  
Vol 27 (12) ◽  
pp. 2679-2697
Author(s):  
Lyudmila E. ROMANOVA ◽  
Anna L. SABININA ◽  
Andrei I. CHUKANOV ◽  
Dar’ya M. KORSHUNOVA
Keyword(s):  
Systems Approach ◽  
Mortgage Lending ◽  
Effective Algorithm ◽  
Russian Regions ◽  
Local Conditions ◽  
Partitioning Around Medoids ◽  
Analysis And Synthesis ◽  
The Russian Federation ◽  
The Impact ◽  
Regions Of Russia

Subject. This article deals with the particularities of the development of housing mortgage lending in the regions of Russia. Objectives. The article aims to substantiate the need for clustering of territorial entities by level of development of mortgage housing lending in Russia and test the most effective algorithm for mortgage clustering of regions. Methods. For the study, we used a systems approach, including scientific abstraction, analysis and synthesis, and statistical methods of data analysis. The algorithm k-medoids – Partitioning Around Medoids (PAM) was also used. Results. Based on the results of the study of regional statistics of the Russian Federation, the article reveals a significant asymmetry in the values of key socioeconomic indices that determine the level and dynamics of housing mortgages in the regions. This necessitates the clustering of territorial entities according to the level of development of mortgage housing lending in the country. To take into account the impact of various local conditions in assessing the prospects for the development of regional housing mortgages, the article proposes an indicator, namely, the integral regional mortgage affordability index. On its basis, in accordance with the selected clustering procedure, the article identifies five mortgage clusters in Russia and identifies their representative regions. Conclusions. Based on the analysis of the specificity of the development of regional mortgages in the Tula Oblast, taking into account the implementation of the target State programme, the article concludes that it is necessary to improve the mechanisms for financing regional mortgage programmes and justifies the need to develop differentiated programmes for the development of housing mortgages in groups of Russian regions.

Sign in / Sign up

Export Citation Format

Share Document