Bank of the future: automation of processes with the help of AI agents

The article is devoted to the analysis of the possibility of using artificial intelligence technologies in the operational activities of a bank using treasury functions as an example. The prerequisites for the transition from traditional information processing procedures to automated decision-making mechanisms based on the use of AI agents are considered. The purpose of the study is to substantiate the approach to integrating agent-based solutions into the banking treasury environment, taking into account institutional, technological and organizational conditions. Methodological The paper is based on a comparative analysis of existing scientific and applied works, systematization of publications on the topic of automation of financial transactions, as well as conceptual design of the structure of interaction of AI agents with existing processes of liquidity management and internal settlements. The article identifies areas in which the use of AI agents can transform the execution of treasury operations, including automatic ranking of payment orders, dynamic redistribution of liquidity between departments, adaptation of resource attraction parameters depending on the state of the money and stock markets. The results obtained demonstrate that targeted design of agent scenarios allows to increase the efficiency of decision-making, reduce transaction costs and ensure coordination of departments in managing financial flows. Scientific novelty . It is shown that the existing technological base of banks, including API interfaces, internal analytical systems and digital data exchange channels, can be used to implement multi-agent solutions without a radical restructuring of the operational infrastructure. Special attention is paid to the issues of reliability and verifiability when using generative AI agents in the treasury. The practical significance of the work lies in the formation of conceptual grounds for the implementation of AI agents in the bank's treasury processes, which can be used in developing plans for digital transformation and modernization of the operating environment.

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