Abstract
<jats:p>The article examines the potential of digitalization of financial settlements as a key tool for solving this problem. The influence of fintech solutions implementation on the efficiency of financial flow management is studied in the context of adaptation to external and internal challenges. Special attention ispaid to the analysis of macroeconomic indicators of digitalization of the economy of the Republic of Kazakhstan, including the dynamics of non-cash payments, Internet penetration, and online banking adoption. Based on statistical data a correlation is revealed between the level of digitalization of settlements and the reduction of transaction costs. It is established that the digitalization of financial processes acts not only as a means of optimization but also as a driver for increasing transparency and the quality of managerial decisions, which ultimately leads to increased profitability and sustainability of enterprises.</jats:p>