qainarQainar Journal of Social ScienceQainar Journal of Social Science2958-72122958-7220Q University10.58732/2958-7212-2025-1-6-17qainar-342Research ArticleСтатьиВлияние развития финансовых технологий на банковские рискиThe Impact of the Development of Financial Technologies on Bank Riskshttps://orcid.org/0009-0002-3416-9237КаненУ.KanenU.

Канен У. – магистр

Алматы

Ulagat Kanen – Master’s degree

Almaty

kanenulagat@outlook.comhttps://orcid.org/0009-0000-7439-5226ДжанегизоваА. С.DzhanegizovaA.

Джанегизова А.С. – PhD студент

Алматы

Aisulu Dzhanegizova – PhD candidate

Almaty

aisulu055@mail.ruКазахский национальный университет имени аль-ФарабиКазахстанAl-Farabi Kazakh National UniversityKazakhstan20251310202541617Copyright © Канен У., Джанегизова А.С., 20252025Канен У., Джанегизова А.С.Kanen U., Dzhanegizova A.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/342

Сегодня развитие финансовых технологий (далее – FinTech) оказывает трансформирующее воздействие на банковский сектор, формируя как новые возможности, так и риски. Целью данного исследования является провести оценку уровня влияния развития FinTech на банковские риски, в частности на показатель доли неработающих кредитов (NPL Ratio) как ключевого индикатора кредитного риска. На основе панельных данных за 2019–2023 гг. был проведён множественный регрессионный анализ с включением банковских показателей, таких как коэффициента достаточности капитала, коэффициента покрытия ликвидности, отношения кредитов к депозитам, а также макроэкономических индикаторов (рост ВВП и уровень безработицы). Эмпирические результаты показали, что внедрение FinTech существенно снижает долю неработающих кредитов, что отражает повышение эффективности управления кредитным риском за счёт улучшенной аналитики данных, оценки заёмщиков и оптимизации бизнес-процессов. Отношение кредитов к депозитам имеет статистически значимую отрицательную связь с показателем NPL (β = −0,0308, p = 0,027), что подчёркивает важность взвешенной кредитной политики. При этом макроэкономические факторы, включая рост ВВП и безработицу, статистически значимого влияния не оказали. Полученные выводы подтверждают потенциал FinTech в снижении традиционных банковских рисков при одновременном возникновении новых регуляторных и операционных вызовов, что важно учитывать при разработке стратегий обеспечения финансовой стабильности в условиях цифровизации. Данное исследование вносит вклад в растущее количество научных работ, посвященных трансформационной роли FinTech в банковской индустрии.

Today, the development of financial technologies (hereinafter referred – FinTech) has a transformative impact on the banking sector, creating both new opportunities and risks. The purpose of this study is to assess the impact of FinTech development on banking risks, in particular on the share of non-performing loans (NPL Ratio) as a key indicator of credit risk. Based on panel data for 2019-2023. A multiple regression analysis was performed, including banking indicators such as the capital adequacy ratio, liquidity coverage ratio, loan-to-deposit ratio, as well as macroeconomic indicators (GDP growth and unemployment rate). Empirical results have shown that the introduction of FinTech significantly reduces the proportion of nonperforming loans, reflecting improved credit risk management through improved data analytics, borrower assessment, and business process optimization. The ratio of loans to deposits has a statistically significant negative relationship with the NPL index (β = -0.0308, p = 0.027), which underlines the importance of a balanced credit policy. At the same time, macroeconomic factors, including GDP growth and unemployment, did not have a statistically significant impact. The findings confirm the potential of FinTech in reducing traditional banking risks while simultaneously facing new regulatory and operational challenges, which is important to consider when developing strategies to ensure financial stability in the context of digitalization. This research contributes to a growing number of scientific papers devoted to the transformational role of FinTech in the banking industry.

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