World Bank2013-08-082013-08-082004-01-01https://hdl.handle.net/10986/14899This paper discusses the role of the postal network in expanding access to financial services in Kazakhstan. It reviews the public postal operator within the postal sector and within the broader context of the communications sector. The roles of the postal network and state and privately-owned banks are also reviewed from the perspective of the financial sector development, with particular focus on payments systems development and microfinance. While this country case on Kazakhstan can stand alone, it is an integral part of this large study of the potential of postal networks to coordinate with financial service providers in 7 countries (Egypt, Kazakhstan, Namibia, Romania, Sri Lanka, Uganda, and Vietnam) and 5 regions (Africa, Asia, Eastern Europe and Central Asia, Latin America and the Caribbean, and the Middle East and Northern Africa). Within Central Asia and the other countries of the former Soviet Union, Kazakhstan's postal network is widely regarded as a leader and pioneer in postal innovation, setting an example for other postal operators in the region. An in-depth assessment of Kazakhstan's postal network development options could also be a model to guide other postal networks.en-USCC BY 3.0 IGOACCESS TO FINANCEACCESS TO FINANCIAL SERVICESACCESS TO INFORMATIONACCOUNTABILITYACCOUNTINGACCOUNTING STANDARDSACCOUNTS FOR INDIVIDUALSACCOUNTS RECEIVABLEAUTOMATED TELLER MACHINESBALANCE SHEETBALANCE SHEETSBANK ACCOUNTBANK ACCOUNTSBANK ASSETSBANK BRANCHBANK BRANCH NETWORKBANK BRANCH OFFICESBANK BRANCHESBANK LOANSBANKING SECTORBANKING SERVICESBANKING SYSTEMBANKRUPTCYBANKSBOND MARKETBUSINESS ACTIVITIESBUSINESS STRATEGYCAPITAL ADEQUACYCAPITAL MARKETCAPITAL REQUIREMENTSCAPITALIZATIONCASH FLOWCASH IN CIRCULATIONCASH PAYMENTSCASH WITHDRAWALSCOLLATERALCOLLECTION SERVICESCOMMERCIAL BANKCOMMERCIAL BANKINGCOMMERCIAL BANKSCONFIDENCE IN BANKSCONSOLIDATIONCONSUMER CONFIDENCECONSUMER CREDITCONSUMER LENDINGCORRUPTIONCOST-EFFICIENCYCREDIT BANKCREDIT CAPACITYCREDIT LINECREDIT PRODUCTSCREDIT SCORINGCREDIT TRANSFERSCURRENCY EXCHANGEDEBIT CARDDEFICITSDEMAND DEPOSITSDEPOSITDEPOSIT ACCOUNTSDEPOSIT INSURANCEDEPOSIT MOBILIZATIONDEPOSITORSDEPOSITSDEVELOPMENT BANKDIRECT MARKETINGDISTRIBUTION OF NEWSPAPERSDIVERSIFICATIONE-BANKINGE-COMMERCEE-FINANCEE-GOVERNMENTE-LEARNINGECONOMIC GROWTHECONOMIC STABILITYELECTRONIC PAYMENTELECTRONIC PAYMENTSENCASHMENTENTREPRENEURSEXCESS DEMANDEXPENDITUREEXPENDITURESEXPRESS MAILEXPRESS MAIL SERVICEFINANCIAL ACCOUNTINGFINANCIAL INFRASTRUCTUREFINANCIAL INSTITUTIONFINANCIAL INSTITUTIONSFINANCIAL LEASINGFINANCIAL MARKETFINANCIAL POLICIESFINANCIAL PRODUCTSFINANCIAL SECTOR DEVELOPMENTFINANCIAL SERVICEFINANCIAL SERVICE PROVIDERSFINANCIAL SYSTEMFIXED COSTFOREIGN BANKSFOREIGN CURRENCYFOREIGN INVESTMENTFORMAL BANKGOVERNMENT POLICIESGROWTH OPPORTUNITYHOUSEHOLD DEPOSITHOUSEHOLD DEPOSITSHOUSEHOLDSHOUSINGHYBRID MAILINCOME GROUPSINCOME STATEMENTSINDIVIDUAL ENTREPRENEURSINEQUALITYINFORMATION INFRASTRUCTUREINFORMATION MANAGEMENTINFORMATION SYSTEMINFORMATION SYSTEMSINFORMATION TECHNOLOGIESINFORMATION TECHNOLOGYINSTALLMENTSINSURANCE PREMIUMSINTEREST INCOMEINTEREST RATESINTERNATIONAL ACCOUNTING STANDARDSINTERNATIONAL BANKINGINTERNATIONAL FINANCEISLAMIC DEVELOPMENT BANKLARGE CITIESLEGAL FRAMEWORKLENDERSLENDING POLICIESLETTER MAILLIQUID ASSETSLOANLOAN FUNDLOAN PORTFOLIOLOAN PORTFOLIOSLOAN SIZELOAN SIZESMAIL MARKETMAIL ORDERMAIL ORDER BUSINESSMAIL SERVICESMANAGEMENT INFORMATION SYSTEMSMANDATESMARKET DEVELOPMENTMFIMFISMICRO CREDITMICRO ENTERPRISEMICRO ENTERPRISESMICROCREDITMICROFINANCEMICROFINANCE INSTITUTIONMICROFINANCE INSTITUTIONSMICROFINANCE LOANMONEY ORDERSMONEY TRANSFERSMORTGAGESMUTUAL FUNDMUTUAL FUNDSNATIONAL BANKNET INTEREST MARGINNET WORTHNEW BUSINESSNEW COMPANYOPEN MARKETSOUTREACHPARCEL SERVICESPARTNER BANKSPAYMENT INFRASTRUCTUREPAYMENTS COLLECTIONPAYMENTS INSTRUMENTSPENSION FUNDSPENSIONSPERSONAL COMPUTERPOINT OF ACCESSPOINT OF SALEPOOR CLIENTSPOSTPOST OFFICEPOST OFFICE NETWORKPOST OFFICESPOSTALPOSTAL BANKINGPOSTAL FINANCEPOSTAL FINANCIAL SERVICESPOSTAL MAILPOSTAL NETWORKPOSTAL NETWORKSPOSTAL POLICYPOSTAL SAVINGSPOSTAL SECTORPOSTAL SECTOR DEVELOPMENTPOSTAL SERVICEPOSTAL SERVICESPRIVATE COMMERCIAL BANKSPRIVATIZATIONPROFITABILITYPUBLIC AGENCIESPUBLIC POSTAL OPERATORRECEIPTRECESSIONREGULATORY FRAMEWORKREMITTANCESREORGANIZATIONREPOSSESSIONRETAIL BANKINGSAVINGSSAVINGS BANKSAVINGS BANKSSAVINGS PRODUCTSSAVINGS SERVICESSCHOLARSHIPSSECURITIESSMALL BUSINESSSOLVENCYSTATE ENTERPRISESSUBSIDIARIESSUBSIDIARYTAX INCENTIVETELECOMMUNICATIONSTRANSITION ECONOMIESTRANSPORTUNEMPLOYMENTUNIONURBAN AREASVOUCHERSWAGESWorld Bank10.1596/14899