Browsing by Author "Choban U."

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    AN EXAMINATION OF DIGITAL BANKING TECHNOLOGY ACCEPTANCE AMONG MIDDLE AGED PEOPLE IN KAZAKHSTAN: A CONCEPTUAL INVESTIGATION
    (СДУ хабаршысы - 2021, 2021) Choban U. ; Meyrambek A.
    Abstract. The rapid growth of global internet use has caused an acute need for organizations to implement technologies in their daily operations. In particular, financial institutions began to promote digital banking services among their customers. Although online banking seems attractive, many people from different age groups are still resistant to its adoption. Thus, this paper proposes a conceptual approach to adoption of internet banking among middle-aged people in Kazakhstan. The studies conducted on IS/IT adoption by using Technology Acceptance Model (TAM) have revealed the limitations of the original model. That is why original TAM should be extended in order to explain the key factors that are affecting the customers' adoption of internet banking. In this work we studied the IS literature about internet banking adoption through implementing different theories from the psychology field in order to construct a conceptual model that would have greater explanation of people's beliefs to use new technologies. In particular, we added variables, such as Subjective Norm, Trust, Perceived Risk and Word of Mouth to the conceptual model.
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    WORKING CAPITAL'S IMPACT ON OIL INDUSTRY PROFITABILITY
    (СДУ хабаршысы - 2021, 2021) Bekbauov Y. ; Bekbolat K. ; Choban U.
    Abstract. Working capital management (WCM) is an important aspect of financial management to ensure efficient use of current assets and liabilities to balance between profitability and liquidity. Even though there is no absolute perfect answer, financial managers need to formulate a proper strategy for the working capital. WCM in the oil industry is particularly important due to the following reasons; a) There is a huge demand for its products, b) Oil and its products are key inputs for other manufacturing industries, c) Oil prices are too sensitive to political, social and economic factors, d) Crude oil extraction capacity periodically changes. Therefore, firms in this sector need to have flexible production levels so that they keep a balance between the purchase of crude oil and sales of processed oil. A multiple OLS regression method was applied to examine the effect of WCM on profitability in the Oil Industry. The data contained 231 observations from 21 oil companies listed on NYSE and KASE between 2010 and 2020 years. Findings indicated that downstream oil companies need to focus more on the management of credit policies, debt management, and fixed assets management.