The Department of Economics and Finance, together with Almaty Technological University, as part of the implementation of the scientific project ARN 26196291 on grant financing for scientific and/or scientific and technical projects for 2025-2027 of the Ministry of Science and Higher Education of the Republic of Kazakhstan "The potential of digital financial literacy in improving the well-being of the population", on November 4, 2026, a scientific seminar was held on the topic "Problems of ensuring financial cybersecurity and digital hygiene."
Moderator of the seminar: Associate Professor of the Department of Economics and Finance at KazUTB Berstembayeva R.K.
The scientific seminar reviewed current trends in ensuring cybersecurity in the Republic of Kazakhstan, countering financial fraud in the banking sector, improving the digital financial culture of the population, as well as the impact of digital technologies on economic behavior and sustainable development of society.
The seminar was attended by scientists, teachers and young researchers from universities in Kazakhstan and the Russian Federation. The seminar addressed the issues of developing digital financial literacy in Central Asian countries, financially secure behavior of young people, protecting users of mobile financial services, countering bank fraud, ensuring cybersecurity, state support for the agro-industrial complex, as well as improving government measures to protect citizens and businesses of the Republic of Kazakhstan.
The scientific seminar was attended by Candidate of Economics, Associate Professor of the Higher Attestation Commission of the Russian Federation, Associate Professor of the Department of Banking and Monetary Regulation of the Financial University under the Government of the Russian Federation Niyazbekova Sh.U., Candidate of Economics, Associate Professor, Dean of the Faculty of Business and IT, Kazakh-American University Ruzieva E. A., Ph.D. in Economics, Associate Professor of the Department of Accounting and Finance at the Kazakh Agrotechnical Research University named after S.Seifullin Tleuzhanov D.A., PhD, Associate Professor of the Department of Accounting and Finance at ATU Yeralieva Ya.A., Ph.D. in Economics, Associate Professor at the School of Economics and Management, Narkhoz Kozhakhmetov University, Candidate of Economics, Associate Professor of the Department of Economics and Finance at KazUTB Berstembayeva R.K., doctoral student at Narkhoz University Alimbekova B. E.
The seminar participants note that the active development of digital financial services is accompanied by an increase in the number of fraudulent schemes, phishing attacks, cases of social engineering, the spread of malicious mobile applications and the misuse of personal data. Of particular concern is the insufficient level of practical digital hygiene skills among the population, including young people, entrepreneurs and mobile banking users.
Based on the results of the seminar, a resolution was drawn up with recommendations on improving financial literacy, solving the problems of sustainable development and the financial system of the Republic of Kazakhstan, taking into account modern realities of the development of integration and digital technologies.
Following the discussion, the participants of the scientific seminar consider it necessary:
1. To include issues of digital financial literacy and cyber hygiene in the educational programs of schools, colleges and higher education institutions.
2. Use practical tasks in the educational process that simulate real situations: phishing messages, fraud calls, fake investment offers, malicious mobile applications and attempts to obtain confidential data.
3. Strengthen awareness-raising among young people on the safe use of mobile banking, payment systems, marketplaces, social networks and digital investment platforms.
4. Recommend banks and financial institutions to improve customer warning systems about suspicious transactions, apply multifactor authentication, and regularly inform the public about new fraud methods.
5. Expand the interaction of educational organizations, financial institutions, government agencies and information security specialists during training events.
6. Strengthen government measures to identify and block fraudulent Internet resources, malicious applications, fake banking pages and illegal investment platforms.
7. Develop proposals to improve the financial cybersecurity of government programs to support citizens, entrepreneurship and the agro-industrial complex.
8. To continue interuniversity and international scientific cooperation on digital financial literacy and cybersecurity, including conducting joint research, conferences, seminars and publishing scientific papers.
9. Recommend that seminar participants use the presented results and proposals in the preparation of scientific publications, teaching materials and practical recommendations for the public.
The seminar participants emphasize that ensuring financial cybersecurity requires an integrated approach that combines technological safeguards, financial knowledge, digital hygiene skills, responsible user behavior, and coordinated actions by the government, educational organizations, and the financial sector.