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<article article-type="research-article" dtd-version="1.3" xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xml:lang="ru"><front><journal-meta><journal-id journal-id-type="publisher-id">koz</journal-id><journal-title-group><journal-title xml:lang="ru">"Вестник Северо-Казахстанского университета имени Манаша Козыбаева"</journal-title><trans-title-group xml:lang="en"><trans-title>Bulletin of Manash Kozybayev North Kazakhstan University</trans-title></trans-title-group></journal-title-group><issn pub-type="ppub">2958-003X</issn><issn pub-type="epub">2958-0048</issn><publisher><publisher-name>М. Қозыбаев атындағы СҚУ</publisher-name></publisher></journal-meta><article-meta><article-id pub-id-type="doi">10.54596/2309-6977-2021-4-122-125</article-id><article-id custom-type="elpub" pub-id-type="custom">koz-1192</article-id><article-categories><subj-group subj-group-type="heading"><subject>Research Article</subject></subj-group><subj-group subj-group-type="section-heading" xml:lang="ru"><subject>ТЕХНИЧЕСКИЕ НАУКИ</subject></subj-group><subj-group subj-group-type="section-heading" xml:lang="en"><subject>TECHNICAL SCIENCES</subject></subj-group></article-categories><title-group><article-title>ВЛИЯНИЕ И ПЕРСПЕКТИВЫ МОБИЛЬНОЙ КОММЕРЦИИ</article-title><trans-title-group xml:lang="en"><trans-title>THE IMPACT AND PROSPECTS OF MOBILE COMMERCE</trans-title></trans-title-group></title-group><contrib-group><contrib contrib-type="author" corresp="yes"><name-alternatives><name name-style="eastern" xml:lang="ru"><surname>Борамбаева</surname><given-names>Г. М.</given-names></name><name name-style="western" xml:lang="en"><surname>Borambayeva</surname><given-names>G. M.</given-names></name></name-alternatives><bio xml:lang="ru"><p>Петропавловск</p></bio><bio xml:lang="en"><p>Petropavlovsk</p></bio><email xlink:type="simple">borambayeva84@mail.ru</email><xref ref-type="aff" rid="aff-1"/></contrib><contrib contrib-type="author" corresp="yes"><name-alternatives><name name-style="eastern" xml:lang="ru"><surname>Кожахметова</surname><given-names>Р. Н.</given-names></name><name name-style="western" xml:lang="en"><surname>Kozhakhmetova</surname><given-names>R. N.</given-names></name></name-alternatives><bio xml:lang="ru"><p>Петропавловск</p></bio><bio xml:lang="en"><p>Petropavlovsk</p></bio><xref ref-type="aff" rid="aff-1"/></contrib><contrib contrib-type="author" corresp="yes"><name-alternatives><name name-style="eastern" xml:lang="ru"><surname>Мамлютов</surname><given-names>Д. В.</given-names></name><name name-style="western" xml:lang="en"><surname>Mamlyutov</surname><given-names>D. V.</given-names></name></name-alternatives><bio xml:lang="ru"><p>Петропавловск</p></bio><bio xml:lang="en"><p>Petropavlovsk</p></bio><xref ref-type="aff" rid="aff-1"/></contrib></contrib-group><aff-alternatives id="aff-1"><aff xml:lang="ru">НАО «Северо-Казахстанский университет имени М. Козыбаева»<country>Казахстан</country></aff><aff xml:lang="en">Non-profit limited company “M. Kozybayev North Kazakhstan University”<country>Kazakhstan</country></aff></aff-alternatives><pub-date pub-type="collection"><year>2021</year></pub-date><pub-date pub-type="epub"><day>16</day><month>06</month><year>2023</year></pub-date><volume>0</volume><issue>4 (52.1)</issue><fpage>122</fpage><lpage>125</lpage><permissions><copyright-statement>Copyright &amp;#x00A9; Борамбаева Г.М., Кожахметова Р.Н., Мамлютов Д.В., 2023</copyright-statement><copyright-year>2023</copyright-year><copyright-holder xml:lang="ru">Борамбаева Г.М., Кожахметова Р.Н., Мамлютов Д.В.</copyright-holder><copyright-holder xml:lang="en">Borambayeva G.M., Kozhakhmetova R.N., Mamlyutov D.V.</copyright-holder><license xml:lang="ru" license-type="creative-commons-attribution" xlink:href="https://creativecommons.org/licenses/by/4.0/" xlink:type="simple"><license-p>Данная работа распространяется под лицензией Creative Commons Attribution 4.0.</license-p></license><license xml:lang="en" license-type="creative-commons-attribution" xlink:href="https://creativecommons.org/licenses/by/4.0/" xlink:type="simple"><license-p>This work is licensed under a Creative Commons Attribution 4.0 License.</license-p></license></permissions><self-uri xlink:href="https://vestnik.ku.edu.kz/jour/article/view/1192">https://vestnik.ku.edu.kz/jour/article/view/1192</self-uri><abstract><p>Целью статьи является описание влияния мобильной коммерции как на развитую, так и на развивающуюся экономику мира. В работе представлены перспективы применения мобильных телефонов для осуществления платежей и других транзакций.</p></abstract><trans-abstract xml:lang="en"><p>The purpose of the article is to describe the impact of mobile commerce on both the developed and developing economies of the world. The paper presents the prospects of using mobile phones for making payments and other transactions.</p></trans-abstract><kwd-group xml:lang="ru"><kwd>мобильная коммерция</kwd><kwd>мобильные телефоны</kwd><kwd>финансовые услуги</kwd><kwd>онлайн-бизнес</kwd><kwd>электронные платежи</kwd><kwd>транзакция</kwd></kwd-group><kwd-group xml:lang="en"><kwd>mobile commerce</kwd><kwd>mobile phones</kwd><kwd>financial services</kwd><kwd>online business</kwd><kwd>electronic payments</kwd><kwd>transaction</kwd></kwd-group></article-meta></front><back><ref-list><title>References</title><ref id="cit1"><label>1</label><citation-alternatives><mixed-citation xml:lang="ru">Мобильная коммерция – Википедия. URL: https://ru.wikipedia.org/wiki/%D0%9C%D0%BE%D0%B1%D0%B8%D0%BB%D1%8C%D0%BD%D0%B0%D1%8F_%D0%BA%D0%BE%D0%BC%D0%BC%D0%B5%D1%80%D1%86%D0%B8%D1%8F.</mixed-citation><mixed-citation xml:lang="en">Mobil'naya kommerciya – Vikipediya. URL: https://ru.wikipedia.org/wiki/%D0%9C%D0%BE%D0%B1%D0%B8%D0%BB%D1%8C%D0%BD%D0%B0%D1%8F_%D0%BA%D0%BE%D0%BC%D0%BC%D0%B5%D1%80%D1%86%D0%B8%D1 %8F.</mixed-citation></citation-alternatives></ref><ref id="cit2"><label>2</label><citation-alternatives><mixed-citation xml:lang="ru">ТОП-10 eCommerce рынков мира – Хабр. URL: https://habr.com/ru/company/payonline/blog/372223/.</mixed-citation><mixed-citation xml:lang="en">TOP-10 eCommerce rynkov mira – Habr. URL: https://habr.com/ru/company/payonline/blog/372223/.</mixed-citation></citation-alternatives></ref><ref id="cit3"><label>3</label><citation-alternatives><mixed-citation xml:lang="ru">Электронная коммерция. 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