24.02.2026 12:16:00
Дата публикации
A report titled “Artificial Intelligence in the Financial Markets of Central Asia: Current State and Prospects” has been published by the FinTech AI Center together with the national banks of Kazakhstan, Kyrgyzstan, Uzbekistan, and Tajikistan. The document notes: AI in the region’s financial sector is no longer an experiment but is becoming part of infrastructure.
Global trends are clear: AI agents evolve from simple assistants to autonomous systems, integrate into business solutions and digital platforms. Regulation is tightening — the EU requires content labeling, the US follows a fragmented path, and more than ten countries have established safety institutions.
Resilience is becoming a priority: companies seek balance between data center growth and environmental risks. Social impacts are mixed — PwC records varied effects on employment, while AI is increasingly used in HR and surveillance systems.
In Central Asia, AI adoption is accelerating but remains at early stages. Already 36% of organizations use the technology, and another 56% plan to implement it within a year.
Key applications of AI in the region’s financial sector:
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Operations — automation of transactions and document flow, faster settlements, fewer errors;
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Anti‑fraud — detection of suspicious transactions in real time;
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Compliance — monitoring regulatory requirements and data analysis;
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Client services — chatbots, voice assistants, personalized recommendations.
All these cases share the goal of increasing efficiency, reducing costs, and strengthening customer trust.
The main barrier is trust in technology. It depends on three factors:
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Data quality (errors due to incomplete or inaccurate input);
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Cybersecurity (protection of transactions from attacks and leaks);
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Transparency of decisions (understanding algorithms, avoiding “black box” systems).
Kazakhstan leads in adoption. In 2024, the country ranked 76th globally in AI readiness, but by 2025 made a leap: the 2024–2029 Concept was transformed into a national strategy, the Ministry of Artificial Intelligence and Digital Development was established, and the Law “On Artificial Intelligence” was adopted.
The National AI Center, the AlemCloud supercomputer, and an AI cluster for Samruk‑Kazyna have been launched. In 2026, construction will begin on a Tier IV data center with 4,000 racks — the largest in the region.
Thus, Kazakhstan is building the infrastructure foundation for large‑scale AI deployment, while the region moves toward systemic use of the technology. Success will depend on trust, data quality, and coordinated regulatory strategies.
More details: Part 1, Part 2, Part 3.
Artificial intelligence is becoming part of business and law. Legally precise understanding of its application and regulation already helps solve practical tasks and creates competitive advantage.
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