qainarQainar Journal of Social ScienceQainar Journal of Social Science2958-72122958-7220Q University10.58732/2958-7212-2024-4-6-26qainar-285Research ArticleСтатьиКлючевые направления развития теории цифровых финансов: кластерный анализKey Directions in the Development of Digital Finance Theory: Cluster Analysishttps://orcid.org/0000-0002-2188-6280АбжалеловаШ. Р.AbzhalelovaSh. R.

PhD докторант

Алматы

Sholpan R. Abzhalelova, PhD student

Almaty

rasholpan@mail.ruhttps://orcid.org/0000-0001-9971-2240ЗайтеноваН. К.ZaitenovaN. K.

PhD, доцент

Алматы

Nazym K. Zaitenova, PhD, Associate Professor

Almaty

fc.head@uib.kzУниверситет международного бизнеса им. К. СагадиеваКазахстанUniversity of International Business named after K. SagadiyevKazakhstan20241106202534626Copyright © Абжалелова Ш.Р., Зайтенова Н.К., 20252025Абжалелова Ш.Р., Зайтенова Н.К.Abzhalelova S.R., Zaitenova N.K.Данная работа распространяется под лицензией Creative Commons Attribution 4.0.This work is licensed under a Creative Commons Attribution 4.0 License.https://www.journal-kainar.kz/jour/article/view/285

   В последние годы сфера цифровых финансов переживает стремительный рост, отражая растущую роль финансовых технологий (финтех) в преобразовании традиционных финансовых систем. Однако, несмотря на растущий объем публикаций, систематизированный анализ структурной эволюции теоретических подходов в данной сфере остается недостаточно разработанным.

   Цель исследования – выявить ключевые направления научных публикаций в области цифровых финансов на основе библиометрического и тематического анализа.

   Для достижения этой цели проведен библиометрический анализ данных из Web of Science и Scopus, охватывающих публикации за последние 20 лет. Методология исследования включает визуализацию сети совместной встречаемости терминов и исследовательских кластеров с использованием VOSviewer, а также тематическое моделирование Latent Dirichlet Allocation (LDA) для выявления скрытых научных направлений. Результаты анализа выявляют четыре доминирующих исследовательских кластера: финансовые ограничения и рост бизнеса; технологические инновации в финансовых услугах; экономическая трансформация и развитие; экологическая устойчивость. Несмотря на значительное внимание к финансовой инклюзии и внедрению финтех-решений, наблюдаются пробелы в междисциплинарном сотрудничестве. Анализ соавторства демонстрирует фрагментарность научных коллабораций, что свидетельствует о недостаточном взаимодействии между различными дисциплинами. Полученные результаты подчеркивают необходимость дальнейших исследований, направленных на интеграцию искусственного интеллекта и машинного обучения в финансовые технологии, оценку роли цифровых финансов в повышении экономической устойчивости.

   The field of digital finance has experienced rapid growth in recent years, reflecting the increasing role of financial technology in transforming traditional financial systems. Despite the growing number of publications, however, a systematic analysis of the structural evolution of theoretical approaches in this area remains underdeveloped.

   The aim of this study is to identify key areas for scientific publications in digital finance through bibliometric and thematic analyses.

   To achieve this, a bibliometric analysis was conducted using data from Web of Science and Scopus covering publications over the past twenty years. The research method includes visualizing a network of commonly occurring terms and research clusters using VOSviewer and Latent Dirichlet Allocation (LDA) for thematic modeling to uncover hidden scientific areas. The results of the analysis revealed four dominant research clusters: financial constraints and business growth, technological innovations in financial services, economic transformation and development, and environmental sustainability. Despite significant attention to financial inclusion and the implementation of fintech solutions, there are gaps in interdisciplinary collaboration. The analysis of co-authorship demonstrated the fragmented nature of scientific collaboration, indicating insufficient interaction between different disciplines. The findings emphasize the need for further research to integrate artificial intelligence and machine learning into financial technologies and assess the role of digital finance in enhancing economic sustainability.

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The authors declare that there are no conflicts of interest present.