Kazakhstan is entering a new stage of digital transformation, where artificial intelligence is becoming a key tool for managing the economy. In this article El.kz explores how AI helps save the budget, transforms financial management, and influences the country’s development.
Kazakhstan on the path to digital transformation
Digital transformation is creating the conditions for economic growth in the coming decade. The country has the opportunity to move from being a consumer of technologies to becoming a developer and exporter, while knowledge, data, and algorithms are turning into the main sources of value.
AI is becoming a key instrument for economic governance. Approaches to financial planning and control are changing, and data is becoming the primary resource for decision-making. According to experts, by 2030 the impact of AI on Kazakhstan’s economy could reach up to $20 billion, comparable to the country’s largest industries.
The international center Alem.ai brings together educational programs, a startup ecosystem, and research laboratories. Already, around one million people are acquiring AI skills, with this number expected to reach five million by 2029. Technologies are becoming essential tools for business, public service, and education.
Digital platforms
The eGovBusiness project simplifies entrepreneurs’ access to government services and handles more than 4.6 mln operations annually. The platform increases transparency in interactions with government agencies. Integration with the digital business map allows entrepreneurs to receive consultations and support using AI.
In 2025, the system processed 49 million documents, handled 12 million invoices, and returned 48,000 for revision totaling 3.1 trillion tenge. Digital tools enhance control and minimize errors in budget management.
The use of AI makes it possible to analyze departmental spending, identify inefficient items, and forecast future payments. Combining these technologies with information platforms creates a foundation for transparent financial management and accelerates operations.
AI for personal budgeting
Artificial intelligence helps individuals manage their money by automating routine tasks and analyzing expenses. It identifies recurring costs and predicts future payments based on habits and seasonal factors.
Applications like Wally AI Personal Finance can scan receipts and categorize expenses, the Cleo chatbot analyzes spending in real time and sends payment reminders, while ChatGPT or Gemini can help create a monthly family budget and calculate allocations for each category.
To use AI, it is enough to upload income and expense data. The system classifies the information, identifies unnecessary spending, and suggests a plan that can be adapted to personal goals and habits. The 50/30/20 rule can be applied, where half of income goes to needs, a third to wants, and 20% is saved or used to pay off debt. AI can forecast the budget for the next month and notify users of overspending, while regular data updates allow the system to adapt to changes.