Abstract
The article is devoted to the study of foreign experience in creating algorithmic models for the formation of banking ecosystems.The conceptual approaches and practical implementations used by the world's leading banks to integrate financial and non-financial services into a single digital platform are considered.Special attention is paid to the principles of ecosystem building, including the use of artificial intelligence, machine learning, and cloud technologies to improve customer engagement.The key advantages and challenges associated with the digital transformation of the banking sector, including data management, cybersecurity, and regulatory constraints, are discussed.The results of the study emphasize that algorithmic models of the formation of banking ecosystems contribute to increasing the competitiveness and sustainability of financial institutions, opening up new opportunities for business development and improving customer service.Reducing the share of factors such as payment calculations in explaining changes in equity allows us to consider them as auxiliary to forecasting operating expenses.The findings confirm the possibility of creating an adaptive model that redistributes priorities depending on changes in the external and internal conditions of banking activity.The recommendations are aimed at adapting best international practices in the context of national markets.