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<article xmlns="https://jats.nlm.nih.gov/publishing/1.1/" xmlns:xlink="http://www.w3.org/1999/xlink" xml:lang="ru" xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" dtd-version="1.1" specific-use="eps-0.1"><front><journal-meta><journal-id journal-id-type="publisher">SciNotesIBI</journal-id><journal-id journal-id-type="ojs">SciNotesIBI</journal-id><journal-title-group><journal-title xml:lang="ru">Ученые записки Международного банковского института</journal-title><trans-title-group xml:lang="en"><trans-title>Proceedings of the International Banking Institute</trans-title></trans-title-group><abbrev-journal-title xml:lang="en">Proceedings of the International Banking Institute</abbrev-journal-title><abbrev-journal-title xml:lang="ru">Ученые записки Международного банковского института</abbrev-journal-title></journal-title-group><contrib-group/><publisher><publisher-name>Международный банковский институт</publisher-name><publisher-loc><country>RU</country><uri>https://www.ibispb.ru/</uri></publisher-loc></publisher><issn pub-type="ppub">2413-3345</issn><self-uri xlink:href="https://journal.ibispb.ru/index.php/SciNotesIBI"/></journal-meta><article-meta><article-id pub-id-type="publisher-id">37</article-id><article-id pub-id-type="EDN">NHAAGB</article-id><article-categories><subj-group subj-group-type="heading" xml:lang="ru"><subject>Статьи</subject></subj-group></article-categories><title-group><article-title xml:lang="ru">Социотехнические и институциональные аспекты алгоритмического процесса принятия решения</article-title><trans-title-group xml:lang="en"><trans-title>Sociotechnical and institutional aspects of the algorithmic decision-making process</trans-title></trans-title-group></title-group><contrib-group content-type="author"><contrib><name-alternatives><string-name specific-use="display">Ключников И.К.</string-name><name name-style="western" specific-use="primary"><surname>Ключников</surname><given-names>Игорь Константинович</given-names></name></name-alternatives><xref ref-type="aff" rid="aff-1"/><bio xml:lang="en"><p>Doctor of Economics, Professor</p>
<p>Autonomous non-profit organization of higher education «International Banking Institute named after Anatoly Sobchak» (Saint Petersburg, Russia)</p>
<p>Address: 191023, Nevsky Prospect, 60. Saint Petersburg, Russia</p></bio><bio xml:lang="ru"><p>д.э.н., профессор</p>
<p>Автономная некоммерческая организация высшего образования «Международный банковский институт имени Анатолия Собчака» (Санкт-Петербург, Россия)</p>
<p>Адрес: 191023, Невский пр., 60, Санкт-Петербург, Россия</p></bio></contrib><contrib><name-alternatives><string-name specific-use="display">Ключников О.И.</string-name><name name-style="western" specific-use="primary"><surname>Ключников</surname><given-names>Олег Игоревич</given-names></name></name-alternatives><bio xml:lang="en"><p>Candidate of Economic Sciences</p>
<p>Associate Professor, Department of Banking Business and Innovative Financial Technologies</p>
<p>Autonomous non-profit organization of higher education «International Banking Institute named after Anatoly Sobchak» (Saint Petersburg, Russia)</p>
<p>Address: 191023, Nevsky Prospekt, 60, Saint Petersburg, Russia</p></bio><bio xml:lang="ru"><p>к.э.н</p>
<p>Доцент кафедры банковского бизнеса и инновационных финансовых технологий</p>
<p>Автономная некоммерческая организация высшего образования «Международный банковский институт имени Анатолия Собчака» (Санкт-Петербург, Россия)</p>
<p>Адрес: 191023, Невский пр., 60, Санкт-Петербург, Россия</p></bio></contrib></contrib-group><aff id="aff-1"><institution content-type="orgname">Автономная некоммерческая организация высшего образования «Международный банковский институт имени Анатолия Собчака» (Санкт-Петербург, Россия). Адрес: 191023, Невский пр., 60, Санкт-Петербург, Россия</institution></aff><pub-date date-type="collection"><year>2026</year></pub-date><pub-date date-type="pub" publication-format="epub"><day>31</day><month>03</month><year>2026</year></pub-date><issue seq="9">1 (55)</issue><issue-id>2</issue-id><fpage>145</fpage><lpage>170</lpage><pub-history><event event-type="received"><event-desc>Received: <date date-type="received" iso-8601-date="2026-04-03T09:20:18+00:00"><day>3</day><month>4</month><year>2026</year></date></event-desc></event></pub-history><permissions><copyright-statement>Copyright (c) 2026 Ученые записки Международного банковского института</copyright-statement><copyright-year>2026</copyright-year><copyright-holder>Ученые записки Международного банковского института</copyright-holder><license xlink:href="https://creativecommons.org/licenses/by-nc/4.0/"><license-p>&lt;a rel="license" href="https://creativecommons.org/licenses/by-nc/4.0/"&gt;&lt;img alt="Лицензия Creative Commons" src="//i.creativecommons.org/l/by-nc/4.0/88x31.png" /&gt;&lt;/a&gt;&lt;p&gt;Это произведение доступно по &lt;a rel="license" href="https://creativecommons.org/licenses/by-nc/4.0/"&gt;лицензии Creative Commons «Attribution-NonCommercial» («Атрибуция — Некоммерческое использование») 4.0 Всемирная&lt;/a&gt;.&lt;/p&gt;</license-p></license></permissions><self-uri xlink:href="https://journal.ibispb.ru/index.php/SciNotesIBI/article/download/37/37/116" content-type="application/pdf"/><self-uri xlink:href="https://journal.ibispb.ru/index.php/SciNotesIBI/article/view/37"/><abstract><p>Цель исследования: влияние алгоритмических подходов и инструментов на процесс принятия финансового решения, с особым акцентом на его революционное преобразование.</p>
<p>Методы исследования: интеграция алгоритмов машинного обучения и методов анализа данных.</p>
<p>Результаты исследования: интеграция алгоритмов машинного обучения и методов анализа данных в процессы принятия финансовых решений, подчеркивается их преимущества с точки зрения эффективности, точности и адаптивности к меняющимся рыночным условиям.</p>
<p>Основные выводы исследования: раскрыто значение алгоритмических подходов для формирования новых практик финансового управления, соответствующих переходу к устойчивому развитию, а также обращается внимание на легитимацию и институционализацию алгоритмических финансовых решений и систем.</p>
<p> </p></abstract><trans-abstract xml:lang="en"><p>The objective of this study is the impact of algorithmic approaches and tools on the financial decision–making process, with a special focus on its revolutionary transformation.</p>
<p>Research methods: integration of machine learning algorithms and data analysis methods</p>
<p>The results of the study are the integration of machine learning algorithms and data analysis methods into financial decision–making processes, emphasizing their advantages in terms of efficiency, accuracy and adaptability to changing market conditions.</p>
<p>The main conclusions of the study are the disclosure of the importance of algorithmic approaches for the formation of new financial management practices corresponding to the transition to sustainable development, and attention is also drawn to the legitimization and institutionalization of algorithmic financial solutions and systems.</p>
<p> </p></trans-abstract><trans-abstract xml:lang="en&lt;p class=&quot;MsoNormal&quot; style=&quot;text-align: justify; text-indent: 35.45pt; line-height: 130%;&quot;&gt;&lt;span lang=&quot;EN-US&quot; style=&quot;font-size: 12.0pt; line-height: 130%; mso-ansi-language: EN-US;&quot;&gt;The &lt;strong&gt;objective&lt;/strong&gt; of this study is the impact of algorithmic approaches and tools on the financial decision–making process, with a special focus on its revolutionary transformation.&lt;/span&gt;&lt;/p&gt;&#10;&lt;p class=&quot;MsoNormal&quot; style=&quot;text-align: justify; text-indent: 35.45pt; line-height: 130%;&quot;&gt;&lt;strong&gt;&lt;span lang=&quot;EN-US&quot; style=&quot;font-size: 12.0pt; line-height: 130%; mso-ansi-language: EN-US;&quot;&gt;Research methods:&lt;/span&gt;&lt;/strong&gt;&lt;span lang=&quot;EN-US&quot; style=&quot;font-size: 12.0pt; line-height: 130%; mso-ansi-language: EN-US;&quot;&gt; integration of machine learning algorithms and data analysis methods&lt;/span&gt;&lt;/p&gt;&#10;&lt;p class=&quot;MsoNormal&quot; style=&quot;text-align: justify; text-indent: 35.45pt; line-height: 130%;&quot;&gt;&lt;span lang=&quot;EN-US&quot; style=&quot;font-size: 12.0pt; line-height: 130%; mso-ansi-language: EN-US;&quot;&gt;The &lt;strong&gt;results&lt;/strong&gt; of the study are the integration of machine learning algorithms and data analysis methods into financial decision–making processes, emphasizing their advantages in terms of efficiency, accuracy and adaptability to changing market conditions.&lt;/span&gt;&lt;/p&gt;&#10;&lt;p class=&quot;MsoNormal&quot; style=&quot;text-align: justify; text-indent: 35.45pt; line-height: 130%;&quot;&gt;&lt;span lang=&quot;EN-US&quot; style=&quot;font-size: 12.0pt; line-height: 130%; mso-ansi-language: EN-US;&quot;&gt;The &lt;strong&gt;main conclusions&lt;/strong&gt; of the study are the disclosure of the importance of algorithmic approaches for the formation of new financial management practices corresponding to the transition to sustainable development, and attention is also drawn to the legitimization and institutionalization of algorithmic financial solutions and systems.&lt;/span&gt;&lt;/p&gt;&#10;&lt;p class=&quot;MsoNoSpacing&quot; style=&quot;margin-left: 0cm; text-indent: 35.4pt; line-height: 130%;&quot;&gt; &lt;/p&gt;"/><kwd-group xml:lang="ru"><title>Ключевые слова</title><kwd>алгоритмические финансы</kwd><kwd>финансовый менеджмент</kwd><kwd>анализ данных</kwd><kwd>оценка рисков</kwd><kwd>процесс принятия решений</kwd><kwd>легитимизация алгоритмов</kwd><kwd>алгоритмический институционализм</kwd></kwd-group><kwd-group xml:lang="en"><title>Keywords</title><kwd>algorithmic finance</kwd><kwd>financial management</kwd><kwd>data analytics</kwd><kwd>risk assessment</kwd><kwd>decision-making process</kwd><kwd>algorithmic legitimization</kwd><kwd>algorithmic institutionalism</kwd></kwd-group><funding-group><award-group><funding-source xml:lang="en">This research received no external funding.</funding-source></award-group><award-group><funding-source xml:lang="ru">Настоящее исследование не получило внешнего финансирования.</funding-source></award-group></funding-group><counts><page-count count="26"/></counts><custom-meta-group><custom-meta><meta-name>issue-cover</meta-name><meta-value><inline-graphic xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="https://journal.ibispb.ru/public/journals/1/cover_issue_2_ru.png"/></meta-value></custom-meta></custom-meta-group><custom-meta-group/></article-meta></front><body/><back><ref-list><ref id="R1"><mixed-citation xml:lang="ru_RU">Sargeant H. 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