This paper examines the impact of banking digitization on the development of the banking industry, particularly on banking performance. This study aims to identify critical factors for the development of financial banks and factors for the development of banking digitization in the banking sector of Kazakhstan. Based on this purpose, the core of banking digitization and its definition will be examined. The study conducted a comprehensive analysis that provided quantitative and qualitative characteristics of the development of digital technology and its impact on the development of the banking industry. The problems set out in this paper are solved using quantitative and financial analysis methods. The point index method was used during the study. Data from Halyk Bank’s annual reports from 2019 to 2023 were used to assess digitalization's penetration into the banking industry. A panel approach is also used, allowing for data analysis for individual banks. Our research concludes that bank digitalization clearly impacts bank performance, focusing on the number of digital banking users, digital banking transactions, and IT investment growth on bank performance (such as return on equity, RoAE). The research findings provide implications for the practice of digital transformation of banks, especially in terms of digital investment and performance improvement. This study lays a foundation for future research on the impact of digital transformation on bank performance and provides a reference for investment decisions in the Kazakhstan banking industry.

The article is devoted to the study of the problem of the relationship between emotions and reason, as well as the phenomenon of emotional intelligence (furthermore - EI), which combines the ability to recognize and manage one's own emotions and the emotions of others. This paper examines the critical components of emotional intelligence, such as self-awareness, self-regulation, motivation, empathy, and social skills, and their impact on the professional environment. A high level of emotional intelligence allows employees to more effectively cope with emotional stress, improve interpersonal relationships, motivate themselves and others, and make informed decisions in stressful situations. The article provides an overview of the main theories of emotions proposed in the context of analytical, cognitive, and domestic psychology, with the aim of expanding the understanding of emotional intelligence. The primary attention is paid to the analysis of theories that consider emotions as a result of physiological reactions or cognitive processes, as well as in the context of social learning and motivation. The critical aspects of the interaction of emotions with perception, motivation, and mental processes, as well as their role in the formation of the integrity of the personality and adaptation to the external environment, are considered. Essential accents are made on analyzing emotional reactions, assessing their significance for the subject, and searching for a connection between emotional states and cognitive activity. The article's conclusions emphasize the importance of EI as a critical factor in understanding emotional reactions, making it an essential element in psychological theory and practice.

The economic development of the West Kazakhstan’s regions, despite their significant contribution to the country’s gross regional product, is subject to various risks. To identify the main risks of economic sustainability and justify measures to overcome them, it is necessary to study the dynamics of economic indicators in these regions. The purpose of the article was to study the dynamics of economic stability of the West Kazakhstan’s regions and develop recommendations for its improvement. To achieve the goal, the following tasks were solved: to analyze the dynamics of economic stability based on the main economic indicators, which characterize the scale of the regional economy, its structure, investment volume, research and development work; to identify the risks of achieving economic stability; to determine measures to overcome these risks. The hypothesis was the assumption that achieving economic sustainability for the development of the West Kazakhstan's regions is difficult due to imbalances in their economic structure. The methods of logical, economic and statistical analysis, analogies, comparisons, a systematic approach, generalizations are used. The result of the analysis was the identification of the main risks to the economic stability of the West Kazakhstan’s regions, including the raw material nature of the economy, the low share of the manufacturing industry, insufficient budget provision, and the high vulnerability of the regions to natural disasters. Recommendations were developed to offset the negative impact of the identified risks and increase economic stability in West Kazakhstan’s regions. 

Today, with the trend of the development of the technical sphere and the increase in the need for the development of a healthy lifestyle, an essential factor when choosing a professional is not only a competent specialist but also a high level of emotional intelligence taken into account, as this is one of the main predictors of effectiveness in working with people for results. This study is relevant since managers of technical specialties directly focus on working with equipment, and the zone of emotional intelligence will be their zone for development; in turn, trainers concentrate on working with people who often hone the skill of emotional intelligence. The goal is to determine the level of differences in emotional intelligence among technical company managers and fitness trainers. The object is the managers of the technical company (TOO KN-Tеl) and fitness trainers (FitnessB). The subject of research is the level of emotional intelligence. The research methodology was composed of the “Emotional Intelligence Test” (N. Hall) and the "EmIn Test". The data collected from the technical company managers and the fitness club trainers were processed using the IBM SPSS Statistics 22 statistical program package. Emotional intelligence plays an important role in the success of both groups, but it manifests itself differently depending on the professional environment. These differences must be considered when developing emotional competence development programs for different professional categories. The results of this work revealed the level of understanding of other people's emotions in both groups, and companies could use it to draw up training programs and events to develop emotional intelligence as a whole and in individual ego zones.

With the financial industry in various countries under strict regulation and interest rates increasingly market-oriented, the rise of the green finance sector has significantly impacted the operations of commercial banks. This influence is particularly evident in green credit, bonds, and insurance, which have emerged as critical components of sustainable finance. As a novel financial paradigm, green finance presents vast development prospects by linking economic growth with environmental sustainability. By actively developing green financial products and services, commercial banks can enhance their operational performance and create new profit growth opportunities. This study conducts an empirical analysis using data from state-owned, joint-stock, and city commercial banks to evaluate the relationship between green finance and bank performance. The findings reveal that green finance positively impacts the operational performance of commercial banks. Notably, green credit emerges as a significant driver, improving profitability while addressing environmental challenges. However, the study also identifies several challenges, such as the need for strategic alignment, product innovation, and enhanced risk management. Commercial banks must improve strategic planning, foster innovation, and strengthen their competitiveness to sustain momentum while maintaining a strong sense of social responsibility. These efforts will contribute to advancing green finance and enable banks to play a pivotal role in promoting sustainable economic development. This research provides valuable insights for policymakers and financial institutions aiming to align economic objectives with environmental goals.