The article analyzes management models of banking systems. The influencing factors presented in the analyzed models were analyzed. Research directions have been determined: innovative technologies in the e-banking system and management mechanisms aimed at customer orientation in conditions of high competition and a high degree of commercialization. A projection of trends in the development of banking services in a digital format was made in the system of transactions, payments, deposits in cryptocurrencies, and other banking operations. The trends confirmed the relevance of the development of digital technologies in banking systems. A simulation of banking systems management processes was carried out. In particular, the rates of deposits and loans were calculated by projecting the ratio of bank rate indicators for deposits and loans. Accordingly, the practical use of modeling processes of changes in the bank rate and changes in the pace of customer engagement is proposed. The direct proportional dependence of the rate on the rates of deposits and loans was determined. Such dependence allows for the implementation of management decisions regarding the development of a banking institution or the banking system based on modeling the process of changes associated with changes in the rate and the impact on the growth rates of the number of deposits and loans. In the perspective of further research, the analysis of other factors in the management system of the banking system is defined, in particular, their influence on the profitability of banking institutions and banking systems in the conditions of external challenges and innovative requ

Highlights

• The article analyzes management models of banking systems. The influencing factors presented in the analyzed models were analyzed. Research directions have been determined: innovative technologies in the e-banking system and management mechanisms aimed at customer orientation in conditions of high competition and a high degree of commercialization.