Abstract
The purpose of the research: to substantiate the main trends in the development of new banking products and offer the most popular new banking product, which contributes to the attractiveness and competitiveness of banks in the Kazakhstan market This article discusses the main trends in the development of new banking products in the Republic of Kazakhstan. It was noted that the Kazakhstan market has its own unique characteristics of the development and implementation of financial technologies. It is concluded that one of the priority technological products, which has not yet gained distribution in Kazakhstan at the moment, is online lending. The introduction of such a product into an existing bank will have two main positive effects for its activities: Interest income, the source of which is mainly loans, make up the dominant part of all bank income. Creating the possibility of obtaining this product through remote banking services (hereinafter referred to as RBS) and establishing an automatic “credit” conveyor, that is, a complete integrated process of accepting an application, assessing creditworthiness and issuing a loan, will serve as a driver of the bank's income growth, and lending to the country's economy. The process of transferring registration and issuing a loan to an online form can significantly reduce a part of non-interest expenses.
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