Transition to "Humanless Business Models" in Banking as a Trend in Multiagentic AI Systems for Sustainable Development

The article discusses the theoretical foundations of using multi-agent AI systems for sustainable development of the banking sector. The relevance of the study is that in modern conditions there are rapid qualitative changes and large-scale growth in the use of multi-agent systems on artificial intelligence in all areas of activity, including banking, which largely determines the sustainable development of the banking system. The novelty lies in the fact that the study proposes an approach to forming a voice bot — a multi-agent system on artificial intelligence, which acts as a seller, is launched by the client in Telegram by pressing a button, freely conducts a conversation with a potential client by voice, asking and receiving answers to the required questions, forming a sales funnel from the list of "hot clients", ensuring an increase in productivity in the execution of business processes by 40 % or more. The practical significance is that the developed voice bot in the format of a multi-agent system based on artificial intelligence can be successfully implemented in a commercial bank, replacing human labor, ensuring a reduction in operating costs, increasing the efficiency of banking products and services by increasing sales due to higher productivity.