caerCentral Asian Economic ReviewCentral Asian Economic Review2789-43982789-4401Университет Нархоз10.52821/2789-4401-2025-2-138-151caer-1470Research ArticleИНВЕСТИЦИИ, ФИНАНСЫ И УЧЕТINVESTMENT, FINANCE AND ACCOUNTINGСравнительный анализ развития мобильного банкинга в развитых и развивающихся странахComparative analysis of mobile banking devel opment in developed and developing countrieshttps://orcid.org/0000-0002-7482-5609АбдиноваМ. Х.AbdinovaM. Kh.

Алматы

Abdinova Makpal Khamitkhanovna – PhD Candidate,Assistant Professor of Business and Economics Department, International Information Technology University

Almaty

m.abdinova@yahoo.comhttps://orcid.org/0009-0004-9040-390XАрыстанбаеваС. С.ArystanbayevaS. S.

Алматы

Arystanbayeva Saule Sabyrovna – Doctor of Economics, Professor

Almaty

saule.arystanbayeva@narxoz.kzhttps://orcid.org/0000-0001-6818-3665ЛамбековаА. Н.LambekovaA. N.

Караганда

Lambekova Aigerim Nurlanovna – PhD, Associate Professor

Karaganda

aygerim.lambekova@mail.ruУниверситет НархозКазахстанNarxoz UniversityKazakhstanКарагандинский университет имени академика Е.А. БукетоваКазахстанKaraganda Buketov UniversityKazakhstan20251007202502138151Copyright © Абдинова М.Х., Арыстанбаева С.С., Ламбекова А.Н., 20252025Абдинова М.Х., Арыстанбаева С.С., Ламбекова А.Н.Abdinova M.K., Arystanbayeva S.S., Lambekova A.N.Данная работа распространяется под лицензией Creative Commons Attribution 4.0.This work is licensed under a Creative Commons Attribution 4.0 License.https://caer.narxoz.kz/jour/article/view/1470Цель исследования

Цель исследования. Провести сравнительный анализ развития мобильного банкинга в развитых и развивающихся странах, а также выявить факторы, влияющие на успешность его внедрения и принятия.

Методология

Методология. Данное исследование основано на анализе высоко цитируемых научных статей и данных о мобильном банкинге, опубликованных в базе данных Scopus. Данный метод включает в себя системный обзор литературы, а также сравнительный анализ факторов, мер и барьеров внедрения.

Оригинальность / ценность исследования. Данное исследование вносит вклад в литературу по развитию мобильного банкинга и проводит сравнительный анализ факторов, мер и барьеров внедрения мобильного банкинга в различных экономических контекстах. Кроме того, рассматриваются экономические, технологические, культурные и другие факторы и меры, которые способствуют или ограничивают его успех, а также предлагаются практические рекомендации для всех рынков по внедрению услуг мобильного банкинга.

Результаты исследования

Результаты исследования. Результаты исследования показали, что при внедрении услуг мобильного банкинга на разных рынках могут возникать различные проблемы; в развивающихся экономиках это могут быть транзакционные издержки и ограниченный доступ к услугам и интернету, которые препятствуют развитию финансовой доступности. В развивающихся странах клиенты предпочитают более удобные и практические приложения. Различия в экономических условиях, доступе к технологиям и регуляторных подходах определяют успех мобильного банкинга и требуют адаптированных стратегий для эффективного внедрения.

Purpose of the research

Purpose of the research. To conduct a comparative analysis of mobile banking development in developed and developing countries, and to identify factors affecting the success of its implementation and adoption.

Methodology

Methodology. This research is based on the analysis of highly cited scientific articles and mobile banking data published in the Scopus database. The current method includes systematic literature review, as well as comparative analysis of adoption factors, measures and barriers.

Originality /value

Originality /value. This research contributes to the literature on mobile banking development and conducts comparative analysis of factors, measures and barriers related to mobile banking adoption in various economic contexts. In addition, it examines economic, technological, cultural and other factors and measures that facilitate or limit its success, and practical recommendations will be offered for all markets for adoption of mobile banking services.

Findings

Findings. The research results revealed that during adoption of mobile banking services there can arise various issues in different markets. In developing economies challenges such as transaction costs and limited access to services and the internet hinder the development of financial inclusion. In developed countries customers prefer more convenience and user-friendly apps. Differences in economic conditions, access to technology and regulatory approaches significantly impact the success of mobile banking and require adapted strategies for effective implementation.

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