A Visa study showed that users actively use neural networks for online shopping, but only 14% are ready to delegate the transactions themselves to them.
What happened
Kazakhstanis are increasingly integrating AI into everyday tasks. 72% of the country’s residents use neural networks when shopping online: to compare prices, find ideas, and check reviews. This is evidenced by data from the Stay Secure study by Visa, published by the Ranking.kz publication.
As technologies spread, the perception of security also changes. 66% of respondents believe that AI is already helping to recognize fraudulent schemes. 72% are confident that in the future, algorithms will become the main shield against cyber threats.
At the same time, the level of trust drops sharply when it comes to money. Only 14% of respondents are ready to allow AI assistants to independently complete the payment process.
Country and market
As of June 1, 42.3 million payment cards were actively used in Kazakhstan. More than half of all non-cash transactions take place via the internet and mobile applications.
Along with the growth of digital payments, habits are also changing: 48% of users buy goods directly through social networks. This makes platforms the main risk zone. Over the past year, a quarter of consumers faced financial fraud, and in 32% of cases, the incidents occurred precisely on social networks.
Child safety is becoming a separate problem. Half of the respondents reported that children in their environment became victims of scammers during online games or shopping. At the same time, 20% of parents give children access to their mobile payment applications.
Responsibility for security is distributed interestingly. A third of Kazakhstanis (33%) believe that marketplaces should protect them. 32% blame bloggers and content creators, and 31% blame banks. Only 7% of respondents admit that the main responsibility lies with the users themselves.
Why it matters and what’s next
To overcome the barrier of distrust in automatic deductions, payment systems are beginning to build a new infrastructure.
Visa has launched the global Intelligent Commerce initiative and the Agentic Ready program. Kazakhstan became one of the first markets in the CEMEA (Central and Eastern Europe, Middle East, and Africa) region where banks can test transactions initiated by AI assistants on behalf of the user, but while maintaining control by the cardholder.
Users are ready to delegate routine tasks, but control over the “Pay” button remains the main psychological barrier before transitioning to fully autonomous commerce.