For citations:
Baltabayev B.Zh., Smagulova Z.K., Krakovetskaya I.V. GHRM as a factor of increasing the efficiency of banks in the context of digital transformation. Bulletin of "Turan" University. 2025;(2):397-409. (In Russ.) https://doi.org/10.46914/1562-2959-2025-1-2-397-409