"March 15 is the World Consumer Protection Day!"

The beginning of the history of the World Consumer Protection Day was laid by US President John F. Kennedy . Kennedy in 1961. He formulated four basic consumer rights: the right to security, the right to information, the right to choose and the right to be heard. Later, the right to compensation for damage, the right to consumer education, the right to meet basic needs and the right to a healthy environment were added to them.
For the first time, Consumer Rights Protection Day was celebrated on March 15, 1983, when it was fixed in the international calendar of festive dates as World Consumer Rights Protection Day.
Festive events are dedicated to a specific theme every year. It is defined by the World Organization of Consumer Unions. In 2022, Consumers International invited the public to focus on consumer rights in the digital financial services segment, therefore, it was decided to hold World Consumer Rights Day on March 15, 2022 under the motto "Fair Digital Finance - "Fair Digital Financial Services".
Today, the financial services market is constantly developing and growing. Before you understand how consumer rights are protected in the financial market, you need to understand the range of services that relate to this area. Organizations provide an opportunity for consumers to place funds in bank accounts or receive them for personal use at a certain interest rate. The list of such companies includes insurance organizations, banking institutions, micro-credit firms. The provision of services is classified based on the place of their receipt: the consumer can make a deposit or carry out a cash transaction, transfer funds, get a loan, work with deposits, evaluate property, receive insurance services. Any actions in the financial market must be carried out in accordance with the current legislation, which provides for the rights of the consumer: to receive information, the consumer must be fully aware of the financial organization and its activities, the consumer has the right to determine the package of services independently, etc.
The use of digital technologies and the Internet has allowed financial organizations to speed up and simplify access to their services.
ATMs, payment banking and non-banking terminals are self-service devices, payment means that make it possible to pay for goods and services without the participation of the seller, or cash out of funds without the participation of a bank cashier.
Mobile banking, Internet banking — software products that allow the user to remotely monitor the status of their bank and card accounts, as well as make payments, transfers and purchases without leaving home, using a computer, tablet, mobile phone.
Electronic money is a digital means of payment. To use them, you need an electronic wallet — a kind of analogue of a bank account. With the help of electronic money, the user can pay for online purchases, make money transfers and payments, providing recipients with minimal information about themselves.
However, the future successful development of the digital economy is possible only if all the technologies used
The most common service in the field of finance is the conclusion of credit agreements, prior to the conclusion of which it is necessary to provide consumers with complete, necessary and reliable information about services that enable them to make the right choice, to offer a standard form of a credit agreement for review, to state the content of credit agreements in an accessible and understandable way. Exclude the inclusion in contracts with consumers of conditions that infringe on the consumer's rights established by law, when acquiring a loan, do not condition the purchase of additional services for a fee. When closing a loan in a bank, you need to take a certificate of closure. Otherwise, after a while they will call you and point out that you have not paid, you will have to pay extra.
Further, when using an ATM, it must be remembered that at each ATM, information should be posted in a clear and accessible form for consumers about the phone numbers of the ATM services, consumer actions in case of problems with using a bank card Money is the driving force today, so everyone is trying to get big earnings in any way. The financial market is very developed, so there are a lot of different credit institutions, insurance companies and everyone needs earnings. Therefore, various promotions appear, inviting consumers. The client can only be very attentive, without fully reading and understanding the contract, it is undesirable to sign it. It is best to contact financial offices that are already known to the client from a good side.
A global, collaborative and coordinated approach is needed to ensure equitable digital financing for all. The rapidly evolving and complex nature of digital financial services demonstrates the need for innovative regulatory approaches, as well as digital financial services and products that are based on consumer protection and empowerment.
Consumers regarding the protection of their consumer rights can contact the Department of Consumer Protection of East Kazakhstan region (Ust-Kamenogorsk, Krylova str., 114, phone 8/7232/267207, e-mail