{"id":"https://openalex.org/W7123347378","doi":"https://doi.org/10.51579/1563-2415.2025.-4.13","title":"FINANCIAL AND ANALYTICAL APPROACHES TO EVALUATING THE EFFECTIVENESS OF FINTECH PROJECTS IN THE CONTEXT OF DIGITAL ECONOMIC TRANSFORMATION","display_name":"FINANCIAL AND ANALYTICAL APPROACHES TO EVALUATING THE EFFECTIVENESS OF FINTECH PROJECTS IN THE CONTEXT OF DIGITAL ECONOMIC TRANSFORMATION","publication_year":2025,"publication_date":"2025-10-30","ids":{"openalex":"https://openalex.org/W7123347378","doi":"https://doi.org/10.51579/1563-2415.2025.-4.13"},"language":"en","primary_location":{"id":"doi:10.51579/1563-2415.2025.-4.13","doi":"https://doi.org/10.51579/1563-2415.2025.-4.13","is_oa":true,"landing_page_url":"https://doi.org/10.51579/1563-2415.2025.-4.13","pdf_url":"https://sua.aesa.kz/main/article/download/415/306/2710","source":{"id":"https://openalex.org/S4210240868","display_name":"Statistika u\u010det i audit","issn_l":"1563-2415","issn":["1563-2415"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Statistika, u\u010det i audit","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://sua.aesa.kz/main/article/download/415/306/2710","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5079479336","display_name":"Lyudmila Popp","orcid":"https://orcid.org/0000-0002-0725-5562","observed_orcids":["https://orcid.org/0000-0002-0725-5562"]},"institutions":[{"id":"https://openalex.org/I4210101268","display_name":"Toraighyrov University","ror":"https://ror.org/017wmdt28","country_code":"KZ","type":"education","lineage":["https://openalex.org/I4210101268"]}],"countries":["KZ"],"is_corresponding":false,"raw_author_name":"L.\u0410. Popp","raw_affiliation_strings":["Toraighyrov University , Pavlodar , Kazakhstan"],"raw_orcid":"https://orcid.org/0000-0002-0725-5562","affiliations":[{"raw_affiliation_string":"Toraighyrov University , Pavlodar , Kazakhstan","institution_ids":["https://openalex.org/I4210101268"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5009131324","display_name":"Anelya K. Saulembekova","orcid":"https://orcid.org/0000-0002-2619-0362","observed_orcids":["https://orcid.org/0000-0002-2619-0362"]},"institutions":[{"id":"https://openalex.org/I4210108340","display_name":"University of International Business","ror":"https://ror.org/01rvqzw67","country_code":"KZ","type":"education","lineage":["https://openalex.org/I4210108340"]}],"countries":["KZ"],"is_corresponding":false,"raw_author_name":"\u0410.K. Saulembekova","raw_affiliation_strings":["University of International Business after K. Sagadiev , Almaty , Kazakhstan"],"raw_orcid":"https://orcid.org/0000-0002-2619-0362","affiliations":[{"raw_affiliation_string":"University of International Business after K. Sagadiev , Almaty , Kazakhstan","institution_ids":["https://openalex.org/I4210108340"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5046618967","display_name":"M. Imramziyeva","orcid":"https://orcid.org/0000-0002-9825-1662","observed_orcids":["https://orcid.org/0000-0002-9825-1662"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"M.Ya. Imramziyeva","raw_affiliation_strings":[],"raw_orcid":"https://orcid.org/0000-0002-9825-1662","affiliations":[]},{"author_position":"last","author":{"id":"https://openalex.org/A5109399830","display_name":"E. A. Bogdanova","orcid":"https://orcid.org/0000-0003-3330-2761","observed_orcids":["https://orcid.org/0000-0003-3330-2761","https://orcid.org/0000-0001-6336-2875"]},"institutions":[{"id":"https://openalex.org/I4210101268","display_name":"Toraighyrov University","ror":"https://ror.org/017wmdt28","country_code":"KZ","type":"education","lineage":["https://openalex.org/I4210101268"]}],"countries":["KZ"],"is_corresponding":false,"raw_author_name":"E.A. Bogdanova","raw_affiliation_strings":["Toraighyrov University , Pavlodar , Kazakhstan"],"raw_orcid":"https://orcid.org/0000-0001-6336-2875","affiliations":[{"raw_affiliation_string":"Toraighyrov University , Pavlodar , Kazakhstan","institution_ids":["https://openalex.org/I4210101268"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"99","issue":"4","first_page":"180","last_page":"192"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.8378999829292297,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.8378999829292297,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.16110000014305115,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12958","display_name":"Digital Economy and Transformation","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/1408","display_name":"Strategy and Management"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/digital-economic-transformation","display_name":"digital economic transformation","score":0.7310000061988831},{"id":"https://openalex.org/keywords/financial-metrics","display_name":"financial metrics","score":0.5220000147819519},{"id":"https://openalex.org/keywords/key-performance-indicators","display_name":"key performance indicators","score":0.7509999871253967},{"id":"https://openalex.org/keywords/return-on-investment","display_name":"return on investment","score":0.734000027179718},{"id":"https://openalex.org/keywords/net-present-value","display_name":"net present value","score":0.9879999756813049},{"id":"https://openalex.org/keywords/internal-rate-of-return","display_name":"internal rate of return","score":0.9990000128746033},{"id":"https://openalex.org/keywords/payback-period","display_name":"payback period","score":0.9940000176429749},{"id":"https://openalex.org/keywords/cost-to-serve","display_name":"cost-to-serve","score":0.7009999752044678},{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"financial inclusion","score":0.8830000162124634},{"id":"https://openalex.org/keywords/fintech-startups","display_name":"fintech startups","score":0.7450000047683716},{"id":"https://openalex.org/keywords/impact-assessment","display_name":"impact assessment","score":0.8769999742507935}],"concepts":[{"id":"https://openalex.org/C2778012447","wikidata":"https://www.wikidata.org/wiki/Q1034415","display_name":"Scope (computer science)","level":2,"score":0.680899977684021},{"id":"https://openalex.org/C126082660","wikidata":"https://www.wikidata.org/wiki/Q4252370","display_name":"Digital transformation","level":2,"score":0.6122999787330627},{"id":"https://openalex.org/C2779343474","wikidata":"https://www.wikidata.org/wiki/Q3109175","display_name":"Context (archaeology)","level":2,"score":0.527999997138977},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.503000020980835},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4731999933719635},{"id":"https://openalex.org/C540431452","wikidata":"https://www.wikidata.org/wiki/Q16319025","display_name":"FinTech","level":3,"score":0.3675000071525574},{"id":"https://openalex.org/C121426985","wikidata":"https://www.wikidata.org/wiki/Q591763","display_name":"Private sector","level":2,"score":0.36469998955726624},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.36000001430511475},{"id":"https://openalex.org/C112930515","wikidata":"https://www.wikidata.org/wiki/Q4389547","display_name":"Risk analysis (engineering)","level":1,"score":0.33410000801086426},{"id":"https://openalex.org/C2780378061","wikidata":"https://www.wikidata.org/wiki/Q25351891","display_name":"Service (business)","level":2,"score":0.3328999876976013},{"id":"https://openalex.org/C26517878","wikidata":"https://www.wikidata.org/wiki/Q228039","display_name":"Key (lock)","level":2,"score":0.3314000070095062},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.31349998712539673},{"id":"https://openalex.org/C203043789","wikidata":"https://www.wikidata.org/wiki/Q138461","display_name":"Digital economy","level":2,"score":0.30320000648498535},{"id":"https://openalex.org/C202353208","wikidata":"https://www.wikidata.org/wiki/Q1167393","display_name":"Economic indicator","level":2,"score":0.30309998989105225},{"id":"https://openalex.org/C2779530757","wikidata":"https://www.wikidata.org/wiki/Q1207505","display_name":"Quality (philosophy)","level":2,"score":0.2971999943256378},{"id":"https://openalex.org/C75684735","wikidata":"https://www.wikidata.org/wiki/Q858810","display_name":"Big data","level":2,"score":0.28130000829696655},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.28029999136924744},{"id":"https://openalex.org/C112313634","wikidata":"https://www.wikidata.org/wiki/Q7886648","display_name":"Complement (music)","level":5,"score":0.2784999907016754},{"id":"https://openalex.org/C552854447","wikidata":"https://www.wikidata.org/wiki/Q131201","display_name":"Sustainable development","level":2,"score":0.2759000062942505},{"id":"https://openalex.org/C195094911","wikidata":"https://www.wikidata.org/wiki/Q14167904","display_name":"Process management","level":1,"score":0.27149999141693115},{"id":"https://openalex.org/C207267971","wikidata":"https://www.wikidata.org/wiki/Q120208","display_name":"Emerging technologies","level":2,"score":0.2694999873638153},{"id":"https://openalex.org/C147859227","wikidata":"https://www.wikidata.org/wiki/Q294217","display_name":"Public sector","level":2,"score":0.2621999979019165},{"id":"https://openalex.org/C2986840890","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial sector","level":2,"score":0.25519999861717224}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.51579/1563-2415.2025.-4.13","doi":"https://doi.org/10.51579/1563-2415.2025.-4.13","is_oa":true,"landing_page_url":"https://doi.org/10.51579/1563-2415.2025.-4.13","pdf_url":"https://sua.aesa.kz/main/article/download/415/306/2710","source":{"id":"https://openalex.org/S4210240868","display_name":"Statistika u\u010det i audit","issn_l":"1563-2415","issn":["1563-2415"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Statistika, u\u010det i audit","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.51579/1563-2415.2025.-4.13","doi":"https://doi.org/10.51579/1563-2415.2025.-4.13","is_oa":true,"landing_page_url":"https://doi.org/10.51579/1563-2415.2025.-4.13","pdf_url":"https://sua.aesa.kz/main/article/download/415/306/2710","source":{"id":"https://openalex.org/S4210240868","display_name":"Statistika u\u010det i audit","issn_l":"1563-2415","issn":["1563-2415"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Statistika, u\u010det i audit","raw_type":"journal-article"},"sustainable_development_goals":[{"display_name":"Industry, innovation and infrastructure","id":"https://metadata.un.org/sdg/9","score":0.8970999717712402},{"display_name":"Decent work and economic growth","id":"https://metadata.un.org/sdg/8","score":0.6452000141143799}],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7123347378.pdf","grobid_xml":"https://content.openalex.org/works/W7123347378.grobid-xml"},"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W4412481598","https://openalex.org/W4409397423","https://openalex.org/W3007560662","https://openalex.org/W4415585378","https://openalex.org/W4402691653","https://openalex.org/W7083177349","https://openalex.org/W4409956083","https://openalex.org/W4366963275","https://openalex.org/W4411747796","https://openalex.org/W7169551422"],"abstract_inverted_index":{"The":[0,55,97,140,189],"article":[1,98],"is":[2,61,77],"devoted":[3],"to":[4,35,79,119,169,182],"the":[5,12,20,23,27,31,37,52,69,101,116,170,184,194,221],"study":[6,190],"of":[7,14,22,26,41,57,204],"financial-analytical":[8],"approaches":[9,141],"for":[10,71],"evaluating":[11,197],"effectiveness":[13,127,200],"FinTech":[15,42,59,86,107,198],"projects":[16,108,171],"in":[17,51,90,172,193,220],"Kazakhstan":[18],"under":[19],"conditions":[21],"digital":[24,53,65,112,195],"transformation":[25,66],"economy.":[28],"It":[29],"analyzes":[30],"modern":[32,137],"methods":[33],"used":[34],"measure":[36],"success":[38],"and":[39,48,81,94,105,124,136,147,154,167,174,179,187,208,216],"impact":[40,210],"initiatives,":[43],"identifying":[44],"key":[45],"performance":[46],"indicators":[47,181],"metrics":[49,135],"applicable":[50],"era.":[54],"experience":[56],"Kazakhstan\u2019s":[58,151],"sector":[60],"examined,":[62],"highlighting":[63],"how":[64,125],"has":[67],"amplified":[68],"need":[70],"robust":[72],"evaluation":[73,185],"frameworks.":[74],"Particular":[75],"attention":[76],"paid":[78],"economic":[80,218],"social":[82],"effects":[83],"achieved":[84],"through":[85],"solutions,":[87],"including":[88],"improvements":[89],"efficiency,":[91],"financial":[92,134,206],"inclusion,":[93],"service":[95],"innovation.":[96],"also":[99],"considers":[100],"interplay":[102],"between":[103],"public":[104],"private":[106,120],"\u2013":[109,123],"from":[110,150],"government-led":[111],"infrastructure":[113],"(such":[114],"as":[115],"Digital":[117],"Tenge)":[118],"fintech":[121,152],"startups":[122],"their":[126],"can":[128],"be":[129],"assessed":[130],"using":[131],"both":[132],"traditional":[133],"analytical":[138],"tools.":[139],"are":[142,156],"illustrated":[143],"with":[144,158,177],"recent":[145],"data":[146],"case":[148],"studies":[149],"ecosystem,":[153],"comparisons":[155],"drawn":[157],"successful":[159],"international":[160],"experiences.":[161],"Explicitly":[162],"applied":[163],"ROI,":[164],"NPV,":[165],"IRR,":[166],"Payback":[168],"scope":[173],"complement":[175],"them":[176],"adoption":[178],"cost-to-serve":[180],"keep":[183],"practical":[186],"comparable.":[188],"underscores":[191],"that":[192],"economy,":[196],"project":[199],"requires":[201],"a":[202],"mix":[203],"quantitative":[205],"analysis":[207],"qualitative":[209],"assessment,":[211],"aimed":[212],"at":[213],"ensuring":[214],"sustainable":[215],"measurable":[217],"growth":[219],"country.":[222]},"counts_by_year":[],"updated_date":"2026-10-28T10:33:24.094632","created_date":"2026-01-14T00:00:00"}
