01.06.26 (inclusive)

Contractual

MVP

ICT tasks

Media sphere

Other technological solutions

Software/ IS,

Mobile app

The project is the development of a digital B2B platform designed to assess the integrity and financial reliability of legal entities in Kazakhstan based on their behavior in commercial relations with other companies. Currently, there is no single system on the market that would objectively reflect how companies fulfill their obligations specifically in B2B interaction - whether they pay bills on time, how often they delay, how they behave in contractual relationships, and how predictable their financial behavior is. The existing assessment tools are mostly limited by government data (taxes, courts, enforcement proceedings), but do not reflect the actual commercial discipline of the company in daily business practice. The proposed platform forms a comprehensive B2B Trust Score— an integral indicator of the company's reliability, which is calculated based on several groups of data.: the actual payment discipline in relations between companies; confirmed transactions and the history of interactions with counterparties; the existence and nature of legal disputes; enforcement proceedings and financial penalties; indirect financial and behavioral indicators of business sustainability; reviews and ratings from other legal entities, confirmed as real counterparties; dynamics of business activity and stability of the company. The key feature of the system is that it focuses not only on formal government indicators, but also on real data on the commercial behavior of companies, forming a more accurate picture of their reliability as partners. The platform involves the creation of a digital profile of each company, which accumulates information about its business reputation, risks and the level of trust from the market. In the future, this allows market participants to quickly make decisions about cooperation, reduce the likelihood of financial losses, and build more transparent and secure supply and sales chains. Thus, the project solves the key problem of the B2B sector - the lack of a systematic and objective assessment of the reliability of companies in terms of fulfilling their financial obligations to other legal entities.

The expected effect of the implementation of the platform is to form the first system infrastructure of trust between legal entities in Kazakhstan, based on objective data on the business and payment behavior of companies. This will reduce the level of non-payments, delays and unfair transactions in the B2B segment, reduce financial and legal business risks, increase transparency and predictability of commercial relations, speed up decision-making when choosing counterparties and generally increase financial discipline in the market. In the long term, the platform can become a basic element of a national B2B ecosystem of trust, integrated with banking, corporate and government digital systems, as well as contribute to the development of the market for factoring, trade finance and other commercial risk management tools.

Basybaev Arman Maratovich