Digital transformation and innovative approaches to human resource management in second-tier banks

In the context of the rapid development of digital technologies, the banking sector of Kazakhstan must adapt to new realities. This article examines the impact of digital transformation on the HR policy and financial efficiency of second-tier banks. The aim of the research is to identify key trends in human resource management driven by digitalization and to assess their consequences for the banking sector. The primary areas of focus involve analyzing the implementation of digital technologies in HR processes, including recruitment automation, personnel management, and the application of big data for performance analysis. Additionally, the study examines remote training platforms and evolving competency requirements for employees in response to the shift toward digital business models. The scientific significance of this research is rooted in the systematic organization of knowledge regarding the impacts of digital transformation and the discovery of innovative approaches to human resource management. Its practical relevance is reflected in the recommendations provided to banks for adapting HR policies to evolving conditions, with the goal of improving competitiveness and operational efficiency. Moreover, this study makes a valuable contribution by offering practical guidance to HR professionals in second-tier banks, equipping them with tools to more effectively understand and navigate digital transformation processes while optimizing human resource management. It underscores the importance of fostering digital competencies, automating HR functions, and establishing flexible work models to meet contemporary challenges. Keywords: digital transformation, innovative management, digitalization, second-tier banks (STB), automation of business processes, human resource management, personnel policy, financial efficiency.