THE ROLE OF DIGITAL TECHNOLOGIES IN THE DEVELOPMENT NON–CASH PAYMENTS IN COMMERCIAL BANKS

In the article describes the main directions of digitalization in the context of banking services related to non– cash payments and transfers, as well as the role of digital technologies in their development. The main types of non–cash banking services that can be provided by means of innovative technologies, factors hindering the further development of remote banking services in Kazakhstan, as well as the parameters of the model of banking services for commercial Bank customers are considered.
The concept of "digital identification of the client" is analyzed in detail, as well as the creation of a new product that will contribute to the remote identification of the client in the provision of remote payment services, including in remote regions of Kazakhstan, regardless of geographical location, using any equipment in the initial appeal to the financial institution, as well as in the subsequent receipt of services. At the end, it is logical to conclude that plastic cards will be gradually replaced by contactless mobile payments, and the financial document flow will become fully digital.

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