International e-governance rankings provide useful benchmarks, but do not always reflect the whole picture. Many countries pay attention to these indices, which encourages them to improve their systems. However, a high ranking by itself does not guarantee broad citizen participation. Nevertheless, noticeable successes in the development of digital services have been observed in Kazakhstan and Kyrgyzstan.
In Kazakhstan, e-government services have largely developed thanks to the private sector. For example, one bank created its own e-government service apps used by millions of citizens, becoming virtually a monopolist. On one hand, this brought many conveniences for users: through the banking app, one can obtain certificates, pay fines, etc. However, there is a downside: all user data ended up in the hands of a single private company. When the bank’s apps went down, the operation of e-government services was paralyzed.
In Kyrgyzstan, they took a different approach: the government acted as a platform and gave equal access to various operators from both the public and private sectors. A system of open government registries and services was created based on the Estonian X-Road model. In particular, the Tunduk portal and a mobile application of the same name were launched, integrating practically all services – from electronic IDs and driver’s licenses to fines and certificate issuance. A citizen, for example, does not need to carry a wallet, passport, or driver’s license: he just presents a digital ID on his phone to obtain a certificate or pay a fine. In addition, the National Bank of the Kyrgyz Republic (NBKR) launched the ElQR platform (a unified national QR code), combining all banks and payment services. With this QR code, one can make payments and transfers. Moreover, the NBKR made electronic transfers in the national currency free of charge. This gave an even greater push toward cashless payments for citizens and businesses.
Thus, the government has created an ecosystem: it provides fundamental tools, and a multitude of companies (banks, mobile operators, IT firms) offers citizens various applications and services. This stimulates competition and provides choice: if one application stops working, one can always use another. As a result, digital services have significantly made life easier for many citizens.
Undoubtedly, e-government brings great benefits, but it is also associated with risks. Simplified interaction with government agencies speeds up many processes. However, questions remain: how to manage this and ensure uninterrupted operation and security of systems and data – which is not always transparent yet. At the same time, fraudsters, often transnational, quickly adapt: citizens often store money in mobile wallets, and this attracts criminals. They can use modern phishing schemes and even deepfakes to extract passwords and codes. News regularly reports stories of people losing their savings due to data theft via new technologies.