RPA在“金融”业——银行

RPA在“金融”业——银行
RPA in the "Financial" Industry--Banks

1
银行业中的流程自动化需求
(Process Automation Needs in the Banking Industry)

1.客户信息管理(Customer Information Management)
银行可以使用基于规则的RPA机器人来管理用户信息，余额信息和应用程序状态等，以便实时响应客户的服务需求。
In order to respond to customer service needs in a timely manner, banks can use rule-based RPA robots to manage user information, balance information, and application status.

2.交易纠错(Transaction Error Correction)
当客户完成交易之后，RPA机器人将对订单的信息进行对比、分析和差异纠错等工作。
After the customer completes the transaction, the RPA will compare, analyze, and correct errors in the order information.

3.风险监测（Risk Monitoring）
银行业是一个受到严格监管的行业，合法性对于银行的运营至关重要。RPA机器人可以全天候侦测用户是否存在违规行为，如发现不利于银行的风险信息，RPA将把危险信息发送至管理人员。
Banking is a heavily regulated industry. Legitimacy is critical to the operation of a bank. RPA can detect users' violations 24 hours a day. If it finds risk information that is not good for banks, RPA will send dangerous information to management personnel.

4.抵押贷款处理（Mortgage Processing）
借助 RPA，银行现在可以根据设定的规则和算法加速该流程的完成，并清除流程延迟的瓶颈。
With the help of RPA, banks can now speed up the process and clear bottlenecks in process delays based on established rules and algorithms.

5.账户关闭流程（Account Closure Process）
银行可以使用 RPA 向客户发送自动提醒，要求他们提供所需的证明。RPA 机器人可以在短时间内以 100％的准确度基于设置规则处理队列中的账户关闭请求。
Banks can use RPA to send automated reminders to customers and ask them to provide the required proof. RPA can process account closure requests in a queue based on regulated rules in a short time with 100% accuracy.

6.信用卡处理（Credit Card Processing）
RPA 软件只需几个小时即可收集客户的文档，进行信用检查和背景检查，并根据客户是否有资格获得信用卡的设定参数做出决定。
RPA collects customer documents, conducts credit checks and background checks, and makes decisions based on whether the customer is eligible for credit card setup parameters. It only takes a few hours.

7.银行验证与总账（Bank Verification and General Ledger）
RPA 的应用有助于从不同系统收集信息，验证信息并在系统中进行更新而不会出现任何错误。
The application of RPA helps banks to collect information from different systems, verify the information and update it in the system without any errors.

8.银行报告自动化（Bank Reporting Automation）
RPA 可以从不同系统来源收集所需信息，验证信息的准确性，以设定的格式排版信息页面，帮助银行生成数据报告。
RPA can collect the required information from different system sources, verify the accuracy of the information, format the information pages in a established format, and help banks generate data reports.

2
银行业中的流程自动化收益
（Benefits of process automation in banking）

以一家银行分行为例，其中参数维护处理、E-TAX报送、编报及发送行内存贷款日报表等12个操作可以使用RPA机器人进行替代。以上人工操作年耗时为32,404.63天，共需要88.78个员工；RPA机器人操作年耗时为4,142.07天，共需要8个机器人，通过数据计算和对比， ROI可达1027%。
Taking a bank as an example, 12 operations including parameter maintenance and processing, E-TAX reporting, compiling, and sending bank's memory loan daily report can be replaced by RPA. The above manual operation takes 32,404.63 days and requires 88.78 employees. The annual operation time of RPA is 4,142.07 days, and a total of 8 robots are required. Through data calculation and comparison, the ROI can reach 1027%

下期预告：RPA在“金融”业——证券
Next Notice: RPA in the "Financial" Industry---Securities

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