Abstract
<jats:p>The monograph proposes and substantiates the concept of Bank 5.0 as an innovative form of a credit institution operating on the principle of a "digital factory" in which traditional banking processes are replaced by the work of autonomous generative agents. The multi-agent system transforms the bank's operational base by integrating protocol-controlled circuits that automatically ensure compliance with established conditions, resource allocation, recording of operational results, and adaptation of operating algorithms to changes in the external environment without direct human involvement. The organizational structure of Bank 5.0 has been developed in the form of an interconnected system of distributed circuits connected by programmable interfaces, where each segment, from deposit acceptance to liquidity management, functions as an autonomous module synchronized into a single operational space. It is intended for students, postgraduates, teachers, researchers, banking sector specialists, developers of digital financial solutions, as well as a wide range of readers interested in the transformation of the banking system in the digital economy.</jats:p>