{"id":73450,"date":"2023-12-11T14:23:19","date_gmt":"2023-12-11T14:23:19","guid":{"rendered":"https:\/\/www.zaptest.com\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy"},"modified":"2024-01-03T15:17:40","modified_gmt":"2024-01-03T15:17:40","slug":"roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy","status":"publish","type":"post","link":"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy","title":{"rendered":"Robotick\u00e1 automatizace proces\u016f (RPA) v poji\u0161\u0165ovnictv\u00ed &#8211; p\u0159\u00edpadov\u00e9 studie, p\u0159\u00edklady, p\u0159\u00ednosy a v\u00fdzvy"},"content":{"rendered":"<p><a href=\"https:\/\/www.zaptest.com\/rpa\">Robotick\u00e1 automatizace proces\u016f<\/a> v poji\u0161\u0165ovnictv\u00ed je na vzestupu. Stejn\u011b jako v jin\u00fdch odv\u011btv\u00edch, kde se vyskytuje velk\u00e9 mno\u017estv\u00ed opakuj\u00edc\u00edch se \u00fakol\u016f zalo\u017een\u00fdch na pravidlech, m\u016f\u017ee RPA pomoci organizac\u00edm dos\u00e1hnout rychlej\u0161\u00edch, n\u00e1kladov\u011b efektivn\u011bj\u0161\u00edch a bezchybn\u00fdch proces\u016f, kter\u00e9 uvoln\u00ed st\u00e1vaj\u00edc\u00ed zam\u011bstnance pro pr\u00e1ci s vy\u0161\u0161\u00ed p\u0159idanou hodnotou.<\/p>\n<p>Upisov\u00e1n\u00ed pojistek a automatizace pojistn\u00fdch ud\u00e1lost\u00ed jsou dv\u011b st\u011b\u017eejn\u00ed vyu\u017eit\u00ed RPA v poji\u0161\u0165ovnictv\u00ed. Technologie v\u0161ak m\u016f\u017ee pomoci i s \u0159adou dal\u0161\u00edch \u00fakol\u016f, jako je zlep\u0161en\u00ed z\u00e1kaznick\u00e9 zku\u0161enosti a \u0159\u00edzen\u00ed zm\u011bn v regula\u010dn\u00edm prost\u0159ed\u00ed.<\/p>\n<p>Tento \u010dl\u00e1nek se zab\u00fdv\u00e1 RPA v poji\u0161\u0165ovnictv\u00ed a zkoum\u00e1 velikost trhu, p\u0159\u00ednosy, trendy, v\u00fdzvy, p\u0159\u00edpady pou\u017eit\u00ed a p\u0159\u00edpadov\u00e9 studie.<\/p>\n<p>&nbsp;<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_1 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #b90000;color:#b90000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #b90000;color:#b90000\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Velikost_trhu_RPA_v_pojistovnictvi\" >Velikost trhu RPA v poji\u0161\u0165ovnictv\u00ed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Faktory_ovlivnujici_rust\" >Faktory ovliv\u0148uj\u00edc\u00ed r\u016fst<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#RPA_v_pojistovnictvi\" >RPA v poji\u0161\u0165ovnictv\u00ed<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#1_Menici_se_regulacni_prostredi\" >#1. M\u011bn\u00edc\u00ed se regula\u010dn\u00ed prost\u0159ed\u00ed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#2_Nedostatek_dovednosti\" >#2. Nedostatek dovednost\u00ed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#3_Digitalni_transformace\" >#3. Digit\u00e1ln\u00ed transformace<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#4_Tlak_na_snizovani_nakladu\" >#4. Tlak na sni\u017eov\u00e1n\u00ed n\u00e1klad\u016f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#5_Menici_se_pozadavky_spotrebitelu\" >#5. M\u011bn\u00edc\u00ed se po\u017eadavky spot\u0159ebitel\u016f<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Vyhody_RPA_v_pojistovnictvi\" >V\u00fdhody RPA v poji\u0161\u0165ovnictv\u00ed<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#1_Zvyseni_provozni_efektivity\" >#1. Zv\u00fd\u0161en\u00ed provozn\u00ed efektivity<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#2_Snizeni_nakladu\" >#2. Sn\u00ed\u017een\u00ed n\u00e1klad\u016f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#3_Vetsi_spokojenost_s_praci\" >#3. V\u011bt\u0161\u00ed spokojenost s prac\u00ed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#4_Lepsi_zkusenosti_zakazniku\" >#4. Lep\u0161\u00ed zku\u0161enosti z\u00e1kazn\u00edk\u016f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#5_Zvysena_presnost\" >#5. Zv\u00fd\u0161en\u00e1 p\u0159esnost<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Pripady_pouziti_robotickych_procesu\" >P\u0159\u00edpady pou\u017eit\u00ed robotick\u00fdch proces\u016f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Automatizace_v_pojistovnictvi\" >Automatizace v poji\u0161\u0165ovnictv\u00ed<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#1_Zpracovani_reklamace\" >#1. Zpracov\u00e1n\u00ed reklamace<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#2_Upisovani\" >#2. Upisov\u00e1n\u00ed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#3_Sprava_politiky\" >#3. Spr\u00e1va politiky<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#4_Dodrzovani_predpisu\" >#4. Dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#4_Rozsireni_starsiho_softwaru\" >#4. Roz\u0161\u00ed\u0159en\u00ed star\u0161\u00edho softwaru<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#5_Zakaznicky_servis\" >#5. Z\u00e1kaznick\u00fd servis<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#6_Strojove_uceni_a_analyza_dat\" >#6. Strojov\u00e9 u\u010den\u00ed a anal\u00fdza dat<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#7_Marketing\" >#7. Marketing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#8_Inteligentni_zpracovani_dokumentu_IDP\" >#8. Inteligentn\u00ed zpracov\u00e1n\u00ed dokument\u016f (IDP)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Pripadove_studie_RPA_v_pojistovnictvi\" >P\u0159\u00edpadov\u00e9 studie RPA v poji\u0161\u0165ovnictv\u00ed<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Pripadova_studie_RPA_v_pojistovnictvi_1\" >P\u0159\u00edpadov\u00e1 studie RPA v poji\u0161\u0165ovnictv\u00ed #1<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Pripadova_studie_RPA_v_pojistovnictvi_2\" >P\u0159\u00edpadov\u00e1 studie RPA v poji\u0161\u0165ovnictv\u00ed #2<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Pripadova_studie_RPA_v_pojistovnictvi_3\" >P\u0159\u00edpadov\u00e1 studie RPA v poji\u0161\u0165ovnictv\u00ed #3<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Vyzvy_spojene_s_implementaci_RPA\" >V\u00fdzvy spojen\u00e9 s implementac\u00ed RPA<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#v_odvetvi_pojistovnictvi\" >v odv\u011btv\u00ed poji\u0161\u0165ovnictv\u00ed<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#1_Starsi_infrastruktura\" >#1. Star\u0161\u00ed infrastruktura<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#2_Kvalita_dat\" >#2. Kvalita dat<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#3_Komplexni_rozhodovani\" >#3. Komplexn\u00ed rozhodov\u00e1n\u00ed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#4_Dodrzovani_predpisu-2\" >#4. Dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Trendy_v_oblasti_RPA_v_pojistovnictvi\" >Trendy v oblasti RPA v poji\u0161\u0165ovnictv\u00ed<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#1_Omnichannel_komunikace\" >#1. Omnichannel komunikace<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#2_Posouzeni_rizik_s_pomoci_umele_inteligence\" >#2. Posouzen\u00ed rizik s pomoc\u00ed um\u011bl\u00e9 inteligence<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#3_Nizkokodove_a_nekodove_nastroje_a_automatizace_testovani\" >#3. N\u00edzkok\u00f3dov\u00e9 a nek\u00f3dov\u00e9 n\u00e1stroje a automatizace testov\u00e1n\u00ed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#4_Rizena_RPA\" >#4. \u0158\u00edzen\u00e1 RPA<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#5_Centra_excelence_RPA_CoE\" >#5. Centra excelence RPA (CoE)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Budoucnost_robotickych_procesu\" >Budoucnost robotick\u00fdch proces\u016f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Automatizace_v_pojistovnictvi-2\" >Automatizace v poji\u0161\u0165ovnictv\u00ed<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-44\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#1_Asistovane_pojisteni_RPA\" >1. Asistovan\u00e9 poji\u0161t\u011bn\u00ed RPA<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-45\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#2_Hyperautomatizace\" >2. Hyperautomatizace<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-46\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#3_Telematika_a_internet_veci\" >3. Telematika a internet v\u011bc\u00ed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-47\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#4_Komplexni_modely_rizik\" >4. Komplexn\u00ed modely rizik<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-48\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-pojistovnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Zaverecne_myslenky\" >Z\u00e1v\u011bre\u010dn\u00e9 my\u0161lenky<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Velikost_trhu_RPA_v_pojistovnictvi\"><\/span><strong>Velikost trhu RPA v poji\u0161\u0165ovnictv\u00ed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-73209\" src=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Picture-1.png\" alt=\"Velikost trhu RPA v poji\u0161\u0165ovnictv\u00ed\" width=\"750\" height=\"526\" srcset=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Picture-1.png 750w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Picture-1-480x337.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 750px, 100vw\" \/><\/p>\n<p>Celosv\u011btov\u00e1 hodnota robotick\u00e9 automatizace proces\u016f v poji\u0161\u0165ovnictv\u00ed v <a href=\"https:\/\/www.maximizemarketresearch.com\/market-report\/rpa-in-insurance-market\/215442\/\"> roce 2023 p\u0159es\u00e1hne 100 milion\u016f dolar\u016f<\/a>. Analytici v\u0161ak o\u010dek\u00e1vaj\u00ed, \u017ee s v\u00fdrazn\u00fdm ro\u010dn\u00edm r\u016fstem kolem 28 %<a href=\"https:\/\/www.researchandmarkets.com\/reports\/5781804\/rpa-in-insurance-market-component-deployment?utm_source=GNE&amp;utm_medium=PressRelease&amp;utm_code=53mllz&amp;utm_campaign=1846356+-+Global+RPA+in+Insurance+Market+Report+2023%3a+Sector+is+Expected+to+Reach+%241.2+Billion+by+2031+at+a+CAGR+of+28.3%25&amp;utm_exec=jamu273prd\"> p\u0159es\u00e1hne<\/a> velikost pojistn\u00e9ho<a href=\"https:\/\/www.researchandmarkets.com\/reports\/5781804\/rpa-in-insurance-market-component-deployment?utm_source=GNE&amp;utm_medium=PressRelease&amp;utm_code=53mllz&amp;utm_campaign=1846356+-+Global+RPA+in+Insurance+Market+Report+2023%3a+Sector+is+Expected+to+Reach+%241.2+Billion+by+2031+at+a+CAGR+of+28.3%25&amp;utm_exec=jamu273prd\"> trhu do roku 2032 1,2 miliardy dolar\u016f.<\/a><\/p>\n<p>Nejv\u011bt\u0161\u00ed pod\u00edl na celosv\u011btov\u00e9m trhu maj\u00ed Severn\u00ed Amerika (427 milion\u016f dolar\u016f) a Evropa (325 milion\u016f dolar\u016f). P\u0159ibli\u017en\u011b p\u011btina v\u00fddaj\u016f v\u0161ak poch\u00e1z\u00ed z Asie a Tichomo\u0159\u00ed, p\u0159i\u010dem\u017e se o\u010dek\u00e1v\u00e1, \u017ee tento pod\u00edl v\u00fdrazn\u011b vzroste, proto\u017ee region pokra\u010duje ve sv\u00e9 digit\u00e1ln\u00ed transformaci.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Faktory_ovlivnujici_rust\"><\/span><strong>Faktory ovliv\u0148uj\u00edc\u00ed r\u016fst  <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"RPA_v_pojistovnictvi\"><\/span><strong>RPA v poji\u0161\u0165ovnictv\u00ed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img data-dominant-color=\"dbd8d1\" data-has-transparency=\"false\" style=\"--dominant-color: #dbd8d1;\" decoding=\"async\" class=\"aligncenter wp-image-73210 not-transparent\" src=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-Insurance-Case-Studies-Examples-Benefits-Challenges-1024x683.webp\" alt=\"Robotick\u00e1 automatizace proces\u016f (RPA) v poji\u0161\u0165ovnictv\u00ed - p\u0159\u00edpadov\u00e9 studie, p\u0159\u00edklady, p\u0159\u00ednosy a v\u00fdzvy\" width=\"629\" height=\"419\" srcset=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-Insurance-Case-Studies-Examples-Benefits-Challenges-1024x683.webp 1024w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-Insurance-Case-Studies-Examples-Benefits-Challenges-300x200.webp 300w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-Insurance-Case-Studies-Examples-Benefits-Challenges-768x512.webp 768w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-Insurance-Case-Studies-Examples-Benefits-Challenges-1536x1024.webp 1536w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-Insurance-Case-Studies-Examples-Benefits-Challenges-1080x720.webp 1080w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-Insurance-Case-Studies-Examples-Benefits-Challenges-1280x853.webp 1280w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-Insurance-Case-Studies-Examples-Benefits-Challenges-980x653.webp 980w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-Insurance-Case-Studies-Examples-Benefits-Challenges-480x320.webp 480w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-Insurance-Case-Studies-Examples-Benefits-Challenges-jpeg.webp 1920w\" sizes=\"(max-width: 629px) 100vw, 629px\" \/><\/p>\n<p>Rychl\u00e9 zav\u00e1d\u011bn\u00ed <a href=\"https:\/\/www.zaptest.com\/cs\/kompletni-pruvodce-robotickou-automatizaci-procesu-rpa\">RPA<\/a> v poji\u0161\u0165ovnictv\u00ed je poh\u00e1n\u011bno komplexn\u00edm souborem faktor\u016f. Pod\u00edvejme se na n\u011bkter\u00e9 specifick\u00e9 probl\u00e9my, kter\u00e9 RPA \u0159e\u0161\u00ed.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Menici_se_regulacni_prostredi\"><\/span><strong>#1. M\u011bn\u00edc\u00ed se regula\u010dn\u00ed prost\u0159ed\u00ed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>P\u0159edpisy v poji\u0161\u0165ovnictv\u00ed se neust\u00e1le vyv\u00edjej\u00ed. Technologie, ekonomick\u00e9 podm\u00ednky a z\u00e1sahy politick\u00fdch nebo spot\u0159ebitelsk\u00fdch skupin vedly v posledn\u00ed dob\u011b ke zm\u011bn\u00e1m v tomto odv\u011btv\u00ed, tak\u017ee n\u011bkter\u00e9 poji\u0161\u0165ovny se sna\u017e\u00ed dr\u017eet krok. <a href=\"https:\/\/insurance-edge.net\/2023\/11\/14\/5-6bn-worth-of-compliance-fines-levied-each-quarter-says-corlytics\/\">Nedodr\u017een\u00ed<\/a> p\u0159edpis\u016f v\u0161ak <a href=\"https:\/\/insurance-edge.net\/2023\/11\/14\/5-6bn-worth-of-compliance-fines-levied-each-quarter-says-corlytics\/\">m\u016f\u017ee v\u00e9st k vysok\u00fdm pokut\u00e1m.<\/a><\/p>\n<p>N\u00e1stroje RPA umo\u017e\u0148uj\u00ed poji\u0161\u0165ovn\u00e1m shroma\u017e\u010fovat data, vytv\u00e1\u0159et p\u0159ehledy a automatizovat dal\u0161\u00ed \u00fakoly souvisej\u00edc\u00ed s dodr\u017eov\u00e1n\u00edm p\u0159edpis\u016f.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Nedostatek_dovednosti\"><\/span><strong>#2. Nedostatek dovednost\u00ed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><a href=\"https:\/\/www.inseta.org.za\/wp-content\/uploads\/2019\/01\/Part-2-Focus-on-the-Short-Term-Insurance-Industry.pdf\">Poji\u0161\u0165ovnictv\u00ed trp\u00ed nedostatkem kvalifikovan\u00fdch pracovn\u00edk\u016f.<\/a> V lo\u0148sk\u00e9m roce <a href=\"https:\/\/www.insurancejournal.com\/news\/international\/2022\/08\/10\/679477.htm\">p\u0159ipadalo<\/a> ve Velk\u00e9 Brit\u00e1nii <a href=\"https:\/\/www.insurancejournal.com\/news\/international\/2022\/08\/10\/679477.htm\">na ka\u017ed\u00fdch 100 pracovn\u00edch m\u00edst p\u011bt voln\u00fdch<\/a>. Mezi tyto pozice pat\u0159\u00ed pojistn\u00ed matematici, upisovatel\u00e9 a strat\u00e9gov\u00e9.<\/p>\n<p>Automatizace poji\u0161\u0165ovac\u00edch proces\u016f m\u016f\u017ee pomoci vy\u0159e\u0161it tyto probl\u00e9my t\u00edm, \u017ee poskytne digit\u00e1ln\u00ed pracovn\u00ed s\u00edlu, kter\u00e1 m\u016f\u017ee vykon\u00e1vat opakuj\u00edc\u00ed se \u00fakoly s velk\u00fdm objemem pr\u00e1ce. Tato pomoc uvol\u0148uje st\u00e1vaj\u00edc\u00ed zam\u011bstnance, aby se mohli pot\u00fdkat s hodnotn\u011bj\u0161\u00edmi \u00fakoly, co\u017e znamen\u00e1, \u017ee zam\u011bstnavatel\u00e9 mohou d\u011blat v\u00edce s men\u0161\u00edmi n\u00e1klady.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Digitalni_transformace\"><\/span><strong>#3. Digit\u00e1ln\u00ed transformace<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Poji\u0161\u0165ovnictv\u00ed je n\u00e1ro\u010dn\u00e9 na data. V posledn\u00edch letech proch\u00e1z\u00ed toto odv\u011btv\u00ed digit\u00e1ln\u00ed transformac\u00ed, kter\u00e1 vych\u00e1z\u00ed vst\u0159\u00edc m\u011bn\u00edc\u00edm se pot\u0159eb\u00e1m klient\u016f. Popt\u00e1vka spot\u0159ebitel\u016f spolu s rostouc\u00ed konkurenc\u00ed a jasnou pot\u0159ebou efektivity znamen\u00e1, \u017ee poji\u0161\u0165ovny mus\u00ed vyu\u017e\u00edvat digit\u00e1ln\u00ed technologie, aby si udr\u017eely n\u00e1skok.<\/p>\n<p>Dal\u0161\u00ed technologick\u00fd pokrok, jako je um\u011bl\u00e1 inteligence, ML a cloud computing, vytvo\u0159il p\u0159\u00edle\u017eitosti pro poji\u0161\u0165ovny. RPA m\u016f\u017ee pomoci integrovat tyto n\u00e1stroje do regula\u010dn\u00edch ekosyst\u00e9m\u016f poji\u0161\u0165ovac\u00edch technologi\u00ed a umo\u017enit pokro\u010dilej\u0161\u00ed digit\u00e1ln\u00ed transformaci.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Tlak_na_snizovani_nakladu\"><\/span><strong>#4. Tlak na sni\u017eov\u00e1n\u00ed n\u00e1klad\u016f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ceny poji\u0161t\u011bn\u00ed ji\u017e n\u011bkolik let prudce rostou. Vysok\u00e9 n\u00e1klady na pojistn\u00e9 ovliv\u0148uje nes\u010detn\u00e9 mno\u017estv\u00ed faktor\u016f, v\u010detn\u011b n\u00e1klad\u016f na v\u00fdplatu pojistn\u00fdch pln\u011bn\u00ed, podvod\u016f a zvy\u0161uj\u00edc\u00edho se dodr\u017eov\u00e1n\u00ed pr\u00e1vn\u00edch p\u0159edpis\u016f.<\/p>\n<p>Navzdory v\u0161eobecn\u00e9mu p\u0159esv\u011bd\u010den\u00ed nemaj\u00ed poji\u0161\u0165ovny obrovsk\u00e9 ziskov\u00e9 mar\u017ee. Obvykle toti\u017e pracuj\u00ed s mar\u017e\u00ed kolem <a href=\"https:\/\/www.investopedia.com\/ask\/answers\/052515\/what-usual-profit-margin-company-insurance-sector.asp#toc-insurers-and-profit-margins\">2 a\u017e 3 %<\/a>. Ve\u0159ejnost v\u0161ak m\u00e1 dojem, \u017ee tyto podniky si odn\u00e1\u0161ej\u00ed nadm\u011brn\u00e9 zisky.<\/p>\n<p>N\u00e1stroje RPA umo\u017e\u0148uj\u00ed poji\u0161\u0165ovn\u00e1m pracovat hospod\u00e1rn\u011bji, co\u017e m\u016f\u017ee sn\u00ed\u017eit n\u00e1klady na pojistn\u00e9 pro jejich u\u017eivatele. Sn\u00ed\u017een\u00edm z\u00e1vislosti na lidsk\u00e9 pr\u00e1ci mohou firmy poskytovat zefektivn\u011bn\u00e9 slu\u017eby bez sn\u00ed\u017een\u00ed kvality.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Menici_se_pozadavky_spotrebitelu\"><\/span><strong>#5. M\u011bn\u00edc\u00ed se po\u017eadavky spot\u0159ebitel\u016f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Konkurence v poji\u0161\u0165ovnictv\u00ed je obrovsk\u00e1 a boj o z\u00e1kazn\u00edky st\u00e1le v\u00edce rozhoduje poskytov\u00e1n\u00ed lep\u0161\u00edch slu\u017eeb. Poji\u0161\u0165ovnictv\u00ed mus\u00ed uspokojit popt\u00e1vku spot\u0159ebitel\u016f po cenov\u011b v\u00fdhodn\u011bj\u0161\u00edch a srozumiteln\u00fdch pojistk\u00e1ch. Mo\u017enosti samoobsluhy z\u00e1kazn\u00edk\u016f, jako je automatizace zpracov\u00e1n\u00ed pojistn\u00fdch ud\u00e1lost\u00ed, mohou poji\u0161\u0165ovn\u00e1m pomoci splnit modern\u00ed o\u010dek\u00e1v\u00e1n\u00ed.<\/p>\n<p>RPA pom\u00e1h\u00e1 tyto procesy zefektivnit a v kombinaci s dal\u0161\u00edmi n\u00e1stroji um\u011bl\u00e9 inteligence, jako je generativn\u00ed um\u011bl\u00e1 inteligence, m\u016f\u017ee tato technologie zpracov\u00e1vat dotazy z\u00e1kazn\u00edk\u016f a pom\u00e1hat s vy\u0159izov\u00e1n\u00edm po\u017eadavk\u016f.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Vyhody_RPA_v_pojistovnictvi\"><\/span><strong>V\u00fdhody RPA v poji\u0161\u0165ovnictv\u00ed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img data-dominant-color=\"72655d\" data-has-transparency=\"false\" style=\"--dominant-color: #72655d;\" decoding=\"async\" class=\"aligncenter wp-image-73097 not-transparent\" src=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-HR-Case-Studies-Examples-Benefits-Challenges-in-Human-Resources-1024x679.webp\" alt=\"Robotick\u00e1 automatizace proces\u016f (RPA) v oblasti lidsk\u00fdch zdroj\u016f: RPA: p\u0159\u00edpadov\u00e9 studie, p\u0159\u00edklady, p\u0159\u00ednosy a v\u00fdzvy v oblasti lidsk\u00fdch zdroj\u016f\" width=\"541\" height=\"359\" srcset=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-HR-Case-Studies-Examples-Benefits-Challenges-in-Human-Resources-1024x679.webp 1024w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-HR-Case-Studies-Examples-Benefits-Challenges-in-Human-Resources-300x199.webp 300w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-HR-Case-Studies-Examples-Benefits-Challenges-in-Human-Resources-768x509.webp 768w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-HR-Case-Studies-Examples-Benefits-Challenges-in-Human-Resources-1536x1018.webp 1536w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-HR-Case-Studies-Examples-Benefits-Challenges-in-Human-Resources-1080x716.webp 1080w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-HR-Case-Studies-Examples-Benefits-Challenges-in-Human-Resources-1280x849.webp 1280w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-HR-Case-Studies-Examples-Benefits-Challenges-in-Human-Resources-980x650.webp 980w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-HR-Case-Studies-Examples-Benefits-Challenges-in-Human-Resources-480x318.webp 480w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-HR-Case-Studies-Examples-Benefits-Challenges-in-Human-Resources-jpeg.webp 1920w\" sizes=\"(max-width: 541px) 100vw, 541px\" \/><\/p>\n<p>RPA se stala popul\u00e1rn\u00ed v oblasti poji\u0161\u0165ovnictv\u00ed z n\u011bkolika p\u00e1dn\u00fdch d\u016fvod\u016f. Pod\u00edvejme se, pro\u010d firmy v poji\u0161\u0165ovnictv\u00ed vyu\u017e\u00edvaj\u00ed \u0159e\u0161en\u00ed RPA.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Zvyseni_provozni_efektivity\"><\/span><strong>#1. Zv\u00fd\u0161en\u00ed provozn\u00ed efektivity<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>V\u0161echny podniky tou\u017e\u00ed po zv\u00fd\u0161en\u00ed provozn\u00ed efektivity, ale vzhledem k siln\u00e9 konkurenci v poji\u0161\u0165ovnictv\u00ed \u010del\u00ed dal\u0161\u00edmu tlaku. Poji\u0161\u0165ovnictv\u00ed je na\u0161t\u011bst\u00ed pln\u00e9 \u00fakol\u016f, kter\u00e9 lze d\u00edky RPA optimalizovat pro zpracov\u00e1n\u00ed pojistn\u00fdch ud\u00e1lost\u00ed, z\u00e1kaznick\u00fd servis, upisov\u00e1n\u00ed a dal\u0161\u00ed.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Snizeni_nakladu\"><\/span><strong>#2. Sn\u00ed\u017een\u00ed n\u00e1klad\u016f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Boti RPA umo\u017e\u0148uj\u00ed t\u00fdm\u016fm poji\u0161\u0165oven p\u0159\u00edstup k digit\u00e1ln\u00ed pracovn\u00ed s\u00edle, kter\u00e1 pracuje 24 hodin denn\u011b, 7 dn\u00ed v t\u00fddnu a 365 dn\u00ed v roce. Tyto n\u00e1stroje se nikdy neunav\u00ed, nepot\u0159ebuj\u00ed p\u0159est\u00e1vku a ne\u017e\u00e1daj\u00ed o zv\u00fd\u0161en\u00ed platu. Automatizace pom\u00e1h\u00e1 t\u00fdm\u016fm poji\u0161\u0165oven sn\u00ed\u017eit po\u010det zam\u011bstnanc\u016f nebo je p\u0159esunout do rol\u00ed, kter\u00e9 jsou v\u00edce zam\u011b\u0159en\u00e9 na z\u00e1kazn\u00edka a maj\u00ed v\u011bt\u0161\u00ed hodnotu.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Vetsi_spokojenost_s_praci\"><\/span><strong>#3. V\u011bt\u0161\u00ed spokojenost s prac\u00ed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Spokojenost s prac\u00ed v poji\u0161\u0165ovnictv\u00ed je <a href=\"https:\/\/www.insurancejournal.com\/research\/research\/agency-salary-survey-2023\/\">64 %<\/a>, co\u017e je nad celost\u00e1tn\u00edm pr\u016fm\u011brem 57 % pro v\u0161echny profese. Jako nev\u00fdhody sv\u00e9 pr\u00e1ce v\u0161ak poji\u0161\u0165ovac\u00ed profesion\u00e1lov\u00e9 \u010dasto uv\u00e1d\u011bj\u00ed dlouhou pracovn\u00ed dobu a \u010dast\u00fd stres. RPA pom\u00e1h\u00e1 zm\u00edrnit v\u0161edn\u00ed a opakuj\u00edc\u00ed se \u00fakoly a umo\u017e\u0148uje pracovn\u00edk\u016fm vykon\u00e1vat smyslupln\u00e9 \u010dinnosti, kter\u00e9 zvy\u0161uj\u00ed jejich spokojenost s prac\u00ed.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Lepsi_zkusenosti_zakazniku\"><\/span><strong>#4. Lep\u0161\u00ed zku\u0161enosti z\u00e1kazn\u00edk\u016f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>N\u00e1stroje RPA mohou automatizovat n\u00e1stup z\u00e1kazn\u00edk\u016f a poskytov\u00e1n\u00ed slu\u017eeb, co\u017e vede k rychlej\u0161\u00edmu a uspokojiv\u011bj\u0161\u00edmu z\u00e1\u017eitku. Krom\u011b toho mohou poji\u0161\u0165ovny automatizovat komunikaci a poskytovat v\u00edcekan\u00e1lovou podporu, tak\u017ee jejich z\u00e1kazn\u00edci mohou vyu\u017e\u00edvat personalizovan\u011bj\u0161\u00ed interakce.<\/p>\n<p>D\u00edky samoobslu\u017en\u00fdm n\u00e1stroj\u016fm je podpora k dispozici nep\u0159etr\u017eit\u011b. V\u0161echny tyto detaily zlep\u0161uj\u00ed z\u00e1kaznickou zku\u0161enost t\u00edm, \u017ee z\u00e1kazn\u00edk\u016fm poskytuj\u00ed to, co cht\u011bj\u00ed.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Zvysena_presnost\"><\/span><strong>#5. Zv\u00fd\u0161en\u00e1 p\u0159esnost<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>D\u00edky schopnosti n\u00e1stroje RPA automatizovat \u00fakoly zalo\u017een\u00e9 na pravidlech se \u00fa\u010dinn\u011b eliminuj\u00ed lidsk\u00e9 chyby a nep\u0159esnosti. Tyto v\u00fdhody znamenaj\u00ed zlep\u0161en\u00ed pov\u011bsti, sn\u00ed\u017een\u00ed n\u00e1klad\u016f, lep\u0161\u00ed zku\u0161enosti z\u00e1kazn\u00edk\u016f a lep\u0161\u00ed dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Pripady_pouziti_robotickych_procesu\"><\/span><strong>P\u0159\u00edpady pou\u017eit\u00ed robotick\u00fdch proces\u016f  <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Automatizace_v_pojistovnictvi\"><\/span><strong>Automatizace v poji\u0161\u0165ovnictv\u00ed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img data-dominant-color=\"5e535a\" data-has-transparency=\"false\" style=\"--dominant-color: #5e535a;\" decoding=\"async\" class=\"aligncenter wp-image-73211 not-transparent\" src=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Use-cases-of-Robotic-Process-Automation-in-Insurance-1024x683.webp\" alt=\"P\u0159\u00edpady pou\u017eit\u00ed robotick\u00e9 automatizace proces\u016f v poji\u0161\u0165ovnictv\u00ed\" width=\"566\" height=\"377\" srcset=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Use-cases-of-Robotic-Process-Automation-in-Insurance-1024x683.webp 1024w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Use-cases-of-Robotic-Process-Automation-in-Insurance-300x200.webp 300w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Use-cases-of-Robotic-Process-Automation-in-Insurance-768x512.webp 768w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Use-cases-of-Robotic-Process-Automation-in-Insurance-1536x1024.webp 1536w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Use-cases-of-Robotic-Process-Automation-in-Insurance-1080x720.webp 1080w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Use-cases-of-Robotic-Process-Automation-in-Insurance-1280x853.webp 1280w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Use-cases-of-Robotic-Process-Automation-in-Insurance-980x653.webp 980w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Use-cases-of-Robotic-Process-Automation-in-Insurance-480x320.webp 480w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Use-cases-of-Robotic-Process-Automation-in-Insurance-jpeg.webp 1920w\" sizes=\"(max-width: 566px) 100vw, 566px\" \/><\/p>\n<p>RPA zm\u011bnila poji\u0161\u0165ovnictv\u00ed t\u00edm, \u017ee automatizovala manu\u00e1ln\u00ed \u00fakoly. Prozkoumejme n\u011bkter\u00e9 z nejzaj\u00edmav\u011bj\u0161\u00edch p\u0159\u00edpad\u016f vyu\u017eit\u00ed RPA v poji\u0161\u0165ovnictv\u00ed.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Zpracovani_reklamace\"><\/span><strong>#1. Zpracov\u00e1n\u00ed reklamace<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>RPA p\u0159i zpracov\u00e1n\u00ed n\u00e1rok\u016f pom\u00e1h\u00e1 t\u00fdm\u016fm se zad\u00e1v\u00e1n\u00edm dat, vyhled\u00e1v\u00e1n\u00edm a ov\u011b\u0159ov\u00e1n\u00edm dokument\u016f a distribuc\u00ed informac\u00ed. P\u0159i manu\u00e1ln\u00edm prov\u00e1d\u011bn\u00ed jsou tyto \u00fakoly opakovan\u00e9 a \u010dasov\u011b n\u00e1ro\u010dn\u00e9, co\u017e pracovn\u00edky odv\u00e1d\u00ed od slo\u017eit\u011bj\u0161\u00edch \u00fakol\u016f. RPA tento probl\u00e9m \u0159e\u0161\u00ed a umo\u017e\u0148uje poji\u0161\u0165ovn\u00e1m zrychlit a zv\u00fd\u0161it produktivitu a z\u00e1rove\u0148 sn\u00ed\u017eit provozn\u00ed n\u00e1klady.<\/p>\n<p>Automatizace procesu pojistn\u00fdch ud\u00e1lost\u00ed umo\u017e\u0148uje v\u011bt\u0161\u00ed transparentnost a aktualizaci stavu v re\u00e1ln\u00e9m \u010dase na r\u016fzn\u00fdch za\u0159\u00edzen\u00edch, \u010d\u00edm\u017e spl\u0148uje po\u017eadavky modern\u00edch spot\u0159ebitel\u016f.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Upisovani\"><\/span><strong>#2. Upisov\u00e1n\u00ed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>RPA v poji\u0161\u0165ovnictv\u00ed pom\u00e1h\u00e1 zam\u011bstnanc\u016fm pracovat mnohem rychleji, proto\u017ee automatizuje sb\u011br informac\u00ed, zad\u00e1v\u00e1n\u00ed dat a anal\u00fdzu z\u00e1kazn\u00edk\u016f. Upisov\u00e1n\u00ed je z\u00e1kladn\u00edm kamenem poji\u0161t\u011bn\u00ed, proto\u017ee p\u0159esn\u00e9 posouzen\u00ed rizika a stanoven\u00ed ceny pojistn\u00fdch smluv \u010dasto rozhoduje o \u00fasp\u011bchu a ne\u00fasp\u011bchu.<\/p>\n<p>RPA v oblasti upisov\u00e1n\u00ed poji\u0161t\u011bn\u00ed pom\u00e1h\u00e1 zajistit rychlej\u0161\u00ed zpracov\u00e1n\u00ed, ani\u017e by byla ohro\u017eena p\u0159esnost nebo dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f. Celkov\u011b to vede i k vynikaj\u00edc\u00ed spokojenosti z\u00e1kazn\u00edk\u016f.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Sprava_politiky\"><\/span><strong>#3. Spr\u00e1va politiky<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Po prodeji pojistn\u00fdch smluv je s jejich udr\u017eov\u00e1n\u00edm v dobr\u00e9m stavu spojeno pom\u011brn\u011b velk\u00e9 mno\u017estv\u00ed administrativy. RPA pom\u00e1h\u00e1 p\u0159i obnovov\u00e1n\u00ed pojistn\u00fdch smluv t\u00edm, \u017ee automatizuje komunikaci, vyd\u00e1v\u00e1n\u00ed aktualizac\u00ed pojistn\u00fdch smluv a v\u00fdb\u011br pojistn\u00e9ho.<\/p>\n<p>Technologie se pou\u017e\u00edv\u00e1 tak\u00e9 k automatick\u00e9 aktualizaci z\u00e1sad a \u00fadaj\u016f o z\u00e1kazn\u00edc\u00edch, \u010d\u00edm\u017e je zaji\u0161t\u011bna dobr\u00e1 kvalita dat. A kone\u010dn\u011b, RPA je ide\u00e1ln\u00ed volbou pro zru\u0161en\u00ed pojistky, proto\u017ee automatizuje z\u00e1znamy, odes\u00edl\u00e1 p\u0159\u00edslu\u0161n\u00e1 sd\u011blen\u00ed a m\u016f\u017ee dokonce zpracov\u00e1vat n\u00e1hrady.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Dodrzovani_predpisu\"><\/span><strong>#4. Dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f je v poji\u0161\u0165ovnictv\u00ed velmi d\u016fle\u017eit\u00e9. Firmy v\u0161ak mohou sv\u00fdm zam\u011bstnanc\u016fm uleh\u010dit pr\u00e1ci t\u00edm, \u017ee pomoc\u00ed RPA zajist\u00ed kvalitn\u00ed a konzistentn\u00ed sb\u011br dat a jejich vykazov\u00e1n\u00ed.<\/p>\n<p>RPA m\u016f\u017ee tak\u00e9 monitorovat probl\u00e9my s dodr\u017eov\u00e1n\u00edm p\u0159edpis\u016f a upozor\u0148ovat na n\u011b p\u0159\u00edslu\u0161n\u00e9 intern\u00ed strany. V neposledn\u00ed \u0159ad\u011b mohou t\u00fdmy nastavit roboty, kte\u0159\u00ed budou vyhled\u00e1vat aktualizace nebo zm\u011bny pravidel na p\u0159\u00edslu\u0161n\u00fdch webov\u00fdch str\u00e1nk\u00e1ch a u regula\u010dn\u00edch komunika\u010dn\u00edch org\u00e1n\u016f a zajist\u00ed jejich zohledn\u011bn\u00ed ve firemn\u00edch pokynech.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Rozsireni_starsiho_softwaru\"><\/span><strong>#4. Roz\u0161\u00ed\u0159en\u00ed star\u0161\u00edho softwaru<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Stejn\u011b jako bankovnictv\u00ed a finan\u010dn\u00ed slu\u017eby je i poji\u0161\u0165ovnictv\u00ed st\u00e1le z\u00e1visl\u00e9 na star\u0161\u00edm softwaru. Pr\u016fzkum spole\u010dnosti Capgemini p\u0159ed n\u011bkolika lety uk\u00e1zal, \u017ee p\u0159ibli\u017en\u011b <a href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2017\/07\/Legacy_Convergence_Due_Diligence__Paving_the_Way_to_Policy_Administration_Transformation.pdf\">80 % poji\u0161\u0165oven pou\u017e\u00edv\u00e1 software star\u00fd nejm\u00e9n\u011b deset let.<\/a><\/p>\n<p>N\u00e1klady na modernizaci t\u011bchto syst\u00e9m\u016f a obavy z naru\u0161en\u00ed provozu jsou velkou \u010d\u00e1st\u00ed d\u016fvod\u016f, pro\u010d poji\u0161\u0165ovac\u00ed t\u00fdmy z\u016fst\u00e1vaj\u00ed u zastaral\u00fdch syst\u00e9m\u016f. RPA v\u0161ak um\u00ed fungovat jako most mezi t\u011bmito tajupln\u00fdmi syst\u00e9my a modern\u011bj\u0161\u00edmi n\u00e1stroji. Za zlomek n\u00e1klad\u016f na rekonstrukci IT infrastruktury mohou t\u00fdmy vyu\u017e\u00edt RPA k interakci se st\u00e1vaj\u00edc\u00edm softwarem a otev\u0159\u00edt si sv\u011bt modern\u00edch cloudov\u00fdch n\u00e1stroj\u016f.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Zakaznicky_servis\"><\/span><strong>#5. Z\u00e1kaznick\u00fd servis<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Jak jsme ji\u017e zm\u00ednili v\u00fd\u0161e, o\u010dek\u00e1v\u00e1n\u00ed z\u00e1kazn\u00edk\u016f v poji\u0161\u0165ovnictv\u00ed se v posledn\u00edch letech v\u00fdrazn\u011b zm\u011bnila. Na trh p\u0159ich\u00e1zej\u00ed nov\u00e9 a p\u0159evratn\u00e9 spole\u010dnosti, kter\u00e9 nab\u00edzej\u00ed personalizovan\u011bj\u0161\u00ed typ slu\u017eeb s v\u011bt\u0161\u00ed transparentnost\u00ed, rychlost\u00ed a jednoduchost\u00ed. Poji\u0161\u0165ovnictv\u00ed m\u011blo v minulosti pov\u011bst zatuchl\u00e9ho a p\u0159\u00edli\u0161 suchop\u00e1rn\u00e9ho oboru a z\u00edskat si p\u0159\u00edze\u0148 mlad\u0161\u00edch u\u017eivatel\u016f vy\u017eaduje jin\u00fd p\u0159\u00edstup.<\/p>\n<p>N\u00e1stroje RPA mohou pomoci t\u00fdm\u016fm poji\u0161\u0165oven automatizovat slu\u017eby z\u00e1kazn\u00edk\u016fm, aby byly pohotov\u011bj\u0161\u00ed, rychlej\u0161\u00ed a personalizovan\u011bj\u0161\u00ed. Zlep\u0161en\u00ed zku\u0161enost\u00ed z\u00e1kazn\u00edk\u016f je velk\u00fdm faktorem d\u016fv\u011bry a loajality z\u00e1kazn\u00edk\u016f a RPA m\u016f\u017ee firm\u00e1m pomoci p\u0159ekonat tuto propast.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Strojove_uceni_a_analyza_dat\"><\/span><strong>#6. Strojov\u00e9 u\u010den\u00ed a anal\u00fdza dat<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Modern\u00ed upisov\u00e1n\u00ed vyu\u017e\u00edv\u00e1 kombinaci strojov\u00e9ho u\u010den\u00ed pro prediktivn\u00ed anal\u00fdzu, odhalov\u00e1n\u00ed podvod\u016f a dokonce i personalizovan\u00e9 stanoven\u00ed cen. S t\u00edmto procesem mohou pomoci n\u00e1stroje RPA, kter\u00e9 shroma\u017e\u010fuj\u00ed data z r\u016fzn\u00fdch zdroj\u016f a \u010dist\u00ed je. Tento proces zaji\u0161\u0165uje spolehlivost dat, co\u017e vede ke zv\u00fd\u0161en\u00ed p\u0159esnosti.<\/p>\n<p>N\u00e1stroje RPA mohou tak\u00e9 analyzovat data pro poji\u0161\u0165ovny a odhalovat anom\u00e1lie a trendy. RPA nav\u00edc m\u016f\u017ee pomoci distribuovat data p\u0159\u00edslu\u0161n\u00fdm stran\u00e1m, \u0159\u00eddic\u00edm panel\u016fm a datab\u00e1z\u00edm.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Marketing\"><\/span><strong>#7. Marketing<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Poji\u0161t\u011bn\u00ed je natolik konkuren\u010dn\u00ed obor, \u017ee marketingov\u00e9 t\u00fdmy vynakl\u00e1daj\u00ed na propagaci neuv\u011b\u0159iteln\u00e9 mno\u017estv\u00ed pen\u011bz. Nap\u0159\u00edklad v USA <a href=\"https:\/\/www.statista.com\/statistics\/264968\/ad-spend-of-selected-insurance-companies-in-the-us\/\">m\u011bla spole\u010dnost Geico v roce 2022 marketingov\u00fd rozpo\u010det ve v\u00fd\u0161i 1,5 miliardy dolar\u016f.<\/a> Podle zpr\u00e1vy HubSpot State of Marketing Report 2023 <a href=\"https:\/\/www.hubspot.com\/state-of-marketing\">\u010dinil pr\u016fm\u011brn\u00fd marketingov\u00fd rozpo\u010det poji\u0161\u0165oven 11,2 % celkov\u00fdch p\u0159\u00edjm\u016f.<\/a><\/p>\n<p>\u00daspora n\u00e1klad\u016f a z\u00e1rove\u0148 z\u00edsk\u00e1v\u00e1n\u00ed z\u00e1kazn\u00edk\u016f je pro firmy, kter\u00e9 se p\u0159etahuj\u00ed o m\u00edsto na p\u0159epln\u011bn\u00e9m trhu, z\u00e1sadn\u00ed. N\u00e1stroje pro automatizaci marketingu RPA mohou pomoci p\u0159in\u00e9st hodnotu n\u011bkolika r\u016fzn\u00fdmi zp\u016fsoby.<\/p>\n<p>Automatizace marketingu RPA v poji\u0161\u0165ovnictv\u00ed zahrnuje mechanizaci e-mailov\u00e9ho marketingu a kampan\u00ed v soci\u00e1ln\u00edch m\u00e9di\u00edch. Ve spojen\u00ed s n\u00e1stroji ML nebo datov\u00e9 analytiky v\u0161ak m\u016f\u017ee RPA pomoci t\u00fdm\u016fm z\u00edskat data z kampan\u00ed a pomoci s m\u011b\u0159en\u00edm a atribuc\u00ed.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Inteligentni_zpracovani_dokumentu_IDP\"><\/span><strong>#8. Inteligentn\u00ed zpracov\u00e1n\u00ed dokument\u016f (IDP)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Poji\u0161\u0165ovny pot\u0159ebuj\u00ed zpracov\u00e1vat velk\u00e9 mno\u017estv\u00ed dokument\u016f, od intern\u00edch z\u00e1znam\u016f a\u017e po zdravotn\u00ed a finan\u010dn\u00ed \u00fadaje. RPA roz\u0161\u00ed\u0159en\u00e1 o inteligentn\u00ed zpracov\u00e1n\u00ed dokument\u016f m\u016f\u017ee t\u00fdm\u016fm pomoci p\u0159e\u010d\u00edst a pochopit pap\u00edrov\u00e9 dokumenty nebo soubory PDF a extrahovat data, kter\u00e1 se ode\u0161lou do intern\u00edch syst\u00e9m\u016f. Tyto n\u00e1stroje mohou tak\u00e9 pomoci t\u00fdm\u016fm p\u0159i digitalizaci t\u00edm, \u017ee analyzuj\u00ed nestrukturovan\u00e9 dokumenty a migruj\u00ed informace do datab\u00e1z\u00ed a tabulek.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Pripadove_studie_RPA_v_pojistovnictvi\"><\/span><strong>P\u0159\u00edpadov\u00e9 studie RPA v poji\u0161\u0165ovnictv\u00ed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img data-dominant-color=\"525754\" data-has-transparency=\"false\" style=\"--dominant-color: #525754;\" decoding=\"async\" class=\"aligncenter wp-image-71947 size-full not-transparent\" src=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/ZAP_Enterprise1-jpg.webp\" alt=\"p\u0159\u00edpadov\u00e9 studie vyu\u017eit\u00ed RPA v poji\u0161\u0165ovnictv\u00ed\" width=\"640\" height=\"427\" srcset=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/ZAP_Enterprise1-jpg.webp 640w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/ZAP_Enterprise1-480x320.webp 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 640px, 100vw\" \/><\/p>\n<p>Vzhledem k tomu, \u017ee existuje tolik skv\u011bl\u00fdch p\u0159\u00edpad\u016f pou\u017eit\u00ed automatizace poji\u0161\u0165ovac\u00edch proces\u016f, je jasn\u00e9, pro\u010d se v tomto odv\u011btv\u00ed ka\u017ed\u00fdm dnem roz\u0161i\u0159uje. V p\u0159\u00edpadov\u00fdch studi\u00edch v\u0161ak v\u0161e o\u017e\u00edv\u00e1 a potenci\u00e1l t\u00e9to technologie se ukazuje.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Pripadova_studie_RPA_v_pojistovnictvi_1\"><\/span><strong>P\u0159\u00edpadov\u00e1 studie RPA v poji\u0161\u0165ovnictv\u00ed #1<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Na\u0161e prvn\u00ed p\u0159\u00edpadov\u00e1 studie RPA v poji\u0161\u0165ovnictv\u00ed poch\u00e1z\u00ed z v\u00fdzkumn\u00e9ho dokumentu<a href=\"https:\/\/ceur-ws.org\/Vol-2428\/paper2.pdf\"> Ditching labour-intensive paper-based processes <\/a>: (Marek, 2019). Auto\u0159i p\u00ed\u0161\u00ed, \u017ee mezin\u00e1rodn\u00ed poji\u0161\u0165ovna se s\u00eddlem v \u010cesk\u00e9 republice se pot\u00fdkala s n\u011bkolika probl\u00e9my. Nov\u00e1 legislativa a p\u0159edpisy je p\u0159inutily modernizovat sv\u00e9 operace, kter\u00e9 byly p\u0159ev\u00e1\u017en\u011b pap\u00edrov\u00e9 a zat\u00ed\u017een\u00e9 nejednotnost\u00ed pracovn\u00edch postup\u016f.<\/p>\n<p>T\u00fdm zvolil agiln\u00ed p\u0159\u00edstup a digitalizoval sv\u016fj upisovac\u00ed proces, centralizoval sv\u00e9 pracovn\u00ed postupy a firemn\u00ed data do jedn\u00e9 platformy a pou\u017eil n\u00e1stroje RPA pro zv\u00fd\u0161en\u00ed produktivity.<\/p>\n<p>Projekt byl velmi \u00fasp\u011b\u0161n\u00fd. Zkr\u00e1tili dobu p\u0159\u00edpravy nab\u00eddek o 40 %, sn\u00ed\u017eili n\u00e1klady o 50 % a sn\u00ed\u017eili chybovost pod 1 %.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Pripadova_studie_RPA_v_pojistovnictvi_2\"><\/span><strong>P\u0159\u00edpadov\u00e1 studie RPA v poji\u0161\u0165ovnictv\u00ed #2<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>N\u00e1sleduj\u00edc\u00ed <a href=\"https:\/\/www.infosysbpm.com\/offerings\/functions\/robotics-process-automation\/case-studies\/documents\/rpa-simplifies-insurance-processes.pdf\">p\u0159\u00edpadov\u00e1 studie<\/a> je p\u0159\u00edkladem RPA ve slu\u017eb\u00e1ch \u0159\u00edzen\u00ed obchodn\u00edch proces\u016f v oblasti \u017eivotn\u00edho poji\u0161t\u011bn\u00ed a poji\u0161t\u011bn\u00ed d\u016fchodu. Doty\u010dn\u00e1 spole\u010dnost byla poskytovatelem softwaru s celosv\u011btov\u00fdm portfoliem klient\u016f v oblasti poji\u0161\u0165ovnictv\u00ed a penzijn\u00edch fond\u016f. Probl\u00e9m byl z\u0159ejm\u00fd: firma ro\u010dn\u011b obdr\u017eela v\u00edce ne\u017e 800 000 \u017e\u00e1dost\u00ed o pojistku, kter\u00e9 v\u0161echny zpracov\u00e1vala ru\u010dn\u011b. Tyto \u017e\u00e1dosti p\u0159ich\u00e1zely ve form\u011b soubor\u016f PDF, co\u017e vy\u017eadovalo ru\u010dn\u00ed zad\u00e1v\u00e1n\u00ed do r\u016fzn\u00fdch syst\u00e9m\u016f. Tento proces byl \u010dasov\u011b n\u00e1ro\u010dn\u00fd a podl\u00e9hal lidsk\u00fdm chyb\u00e1m.<\/p>\n<p>P\u0159ijet\u00ed \u0159e\u0161en\u00ed RPA v\u0161ak nebylo jednoduch\u00e9. Jedn\u00edm z velk\u00fdch probl\u00e9m\u016f bylo, \u017ee ka\u017ed\u00fd klient, kter\u00e9ho obsluhovali, m\u011bl sv\u00e9 vlastn\u00ed po\u017eadavky, tak\u017ee se po\u017eadavky hodn\u011b li\u0161ily. Ve skute\u010dnosti chyb\u011bla standardizace proces\u016f, kterou nebylo mo\u017en\u00e9 \u0159e\u0161it tradi\u010dn\u00edmi prost\u0159edky, proto\u017ee ka\u017ed\u00fd klient m\u011bl jedine\u010dn\u00fd pracovn\u00ed postup.<\/p>\n<p>Firma analyzovala sv\u00e9 procesy a identifikovala opakuj\u00edc\u00ed se \u00fakoly zalo\u017een\u00e9 na pravidlech, kter\u00e9 by mohla prov\u00e1d\u011bt RPA. Hledali deterministick\u00e9 \u00falohy, kter\u00e9 byly vysoce objemn\u00e9 a \u010dasov\u011b n\u00e1ro\u010dn\u00e9. N\u011bkter\u00e9 z identifikovan\u00fdch proces\u016f zahrnovaly aktualizaci \u00fadaj\u016f o z\u00e1sad\u00e1ch, vy\u0159izov\u00e1n\u00ed \u017e\u00e1dost\u00ed z\u00e1kazn\u00edk\u016f a zas\u00edl\u00e1n\u00ed dopis\u016f a ozn\u00e1men\u00ed z\u00e1kazn\u00edk\u016fm. T\u00fdm implementoval \u0159e\u0161en\u00ed RPA pro tyto pracovn\u00ed postupy.<\/p>\n<p>Realizace byla velmi \u00fasp\u011b\u0161n\u00e1. Mezi \u010dist\u00e9 v\u00fdsledky pat\u0159\u00ed t\u00e9m\u011b\u0159 60% sn\u00ed\u017een\u00ed manu\u00e1ln\u00ed pr\u00e1ce a 70% zkr\u00e1cen\u00ed doby zpracov\u00e1n\u00ed. Nav\u00edc se firm\u011b poda\u0159ilo sn\u00ed\u017eit po\u010det zam\u011bstnanc\u016f o 50 %, \u010d\u00edm\u017e u\u0161et\u0159ila obrovsk\u00e9 mno\u017estv\u00ed m\u011bs\u00ed\u010dn\u00edch v\u00fddaj\u016f.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Pripadova_studie_RPA_v_pojistovnictvi_3\"><\/span><strong>P\u0159\u00edpadov\u00e1 studie RPA v poji\u0161\u0165ovnictv\u00ed #3<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>P\u0159edn\u00ed evropsk\u00fd poji\u0161\u0165ovac\u00ed makl\u00e9\u0159 a rizikov\u00fd poradce s v\u00edce ne\u017e 500 pracovn\u00edky back office a z\u00e1kaznick\u00e9ho servisu cht\u011bl zav\u00e9st robustn\u00ed automatizaci zpracov\u00e1n\u00ed pojistn\u00fdch ud\u00e1lost\u00ed. Kdy\u017e byli klienti poji\u0161\u0165ovny hospitalizov\u00e1ni, firma zaplatila za pobyt a pen\u00edze od pacienta z\u00edskala zp\u011bt pot\u00e9, co podepsal formul\u00e1\u0159 pro identifikaci v\u00fdjimek. P\u0159i ru\u010dn\u00edm prov\u00e1d\u011bn\u00ed bylo nutn\u00e9 dlouze telefonovat a prov\u00e1d\u011bt spoustu opakovan\u00fdch ru\u010dn\u00edch \u00fakon\u016f.<\/p>\n<p>Klient implementoval \u0159e\u0161en\u00ed RPA pro automatizaci \u017e\u00e1dost\u00ed o od\u0161kodn\u011bn\u00ed z nemocnic, denn\u00edch klinik a l\u00e9k\u00e1ren. Dopad byl v\u00fdznamn\u00fd, co\u017e vedlo k tomu, \u017ee poji\u0161\u0165ovna zlep\u0161ila a centralizovala provoz, dos\u00e1hla \u00faspory v ust\u00e1len\u00e9m stavu ve v\u00fd\u0161i t\u00e9m\u011b\u0159 50 % a celkov\u00e9ho p\u0159\u00ednosu ve v\u00fd\u0161i 46 % n\u00e1klad\u016f.<\/p>\n<p>Tato p\u0159\u00edpadov\u00e1 studie ukazuje, jak jsou pojistn\u00e9 ud\u00e1losti d\u00edky robotick\u00e9 automatizaci proces\u016f rychlej\u0161\u00ed, levn\u011bj\u0161\u00ed a p\u0159esn\u011bj\u0161\u00ed, co\u017e vede ke spokojen\u011bj\u0161\u00edm z\u00e1kazn\u00edk\u016fm a vy\u0161\u0161\u00ed produktivit\u011b.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Vyzvy_spojene_s_implementaci_RPA\"><\/span><strong>V\u00fdzvy spojen\u00e9 s implementac\u00ed RPA  <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"v_odvetvi_pojistovnictvi\"><\/span><strong>v odv\u011btv\u00ed poji\u0161\u0165ovnictv\u00ed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-29407\" src=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2022\/07\/challenges-load-testing-1024x683.jpeg\" alt=\"testov\u00e1n\u00ed z\u00e1t\u011b\u017ee a RPA\" width=\"542\" height=\"361\"><\/p>\n<p>P\u0159esto\u017ee jsou v\u00fdhody RPA p\u0159i zpracov\u00e1n\u00ed pojistn\u00fdch ud\u00e1lost\u00ed a upisov\u00e1n\u00ed z\u0159ejm\u00e9, existuj\u00ed ur\u010dit\u00e9 v\u00fdzvy, kter\u00e9 mus\u00ed firmy p\u0159ekonat, aby ze sv\u00e9 implementace RPA vyt\u011b\u017eily co nejv\u00edce.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Starsi_infrastruktura\"><\/span><strong>#1. Star\u0161\u00ed infrastruktura<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Jak ji\u017e bylo zm\u00edn\u011bno, mnoho poji\u0161\u0165oven pou\u017e\u00edv\u00e1 star\u0161\u00ed syst\u00e9my. Velk\u00e1 \u010d\u00e1st t\u00e9to infrastruktury byla navr\u017eena d\u00e1vno p\u0159edt\u00edm, ne\u017e se za\u010dalo uva\u017eovat o cloud computingu nebo vzd\u00e1len\u00e9m p\u0159\u00edstupu, co\u017e znamen\u00e1, \u017ee tento software nelze jednodu\u0161e integrovat s \u0159e\u0161en\u00edmi RPA.<\/p>\n<p>Navzdory t\u011bmto v\u00fdzv\u00e1m existuje \u0159ada zp\u016fsob\u016f, jak mohou organizace p\u0159eklenout propast mezi sv\u00fdm st\u00e1vaj\u00edc\u00edm zastaral\u00fdm a slo\u017eit\u00fdm softwarem a modern\u00edmi n\u00e1stroji RPA. Za prv\u00e9, technologie screen-scraping dok\u00e1\u017ee extrahovat data z rozhran\u00ed a p\u0159en\u00e1\u0161et je do cloudov\u00fdch syst\u00e9m\u016f. Podobn\u011b mohou poji\u0161\u0165ovny zkoumat rozhran\u00ed API nebo dokonce vytv\u00e1\u0159et middleware pro propojen\u00ed star\u0161\u00edch syst\u00e9m\u016f.<\/p>\n<p>Celkov\u011b lze \u0159\u00edci, \u017ee i kdy\u017e je k dispozici mnoho mo\u017enost\u00ed, hodn\u011b z\u00e1le\u017e\u00ed na konkr\u00e9tn\u00edch podm\u00ednk\u00e1ch pojistn\u00e9ho softwaru. N\u00e1stroje RPA, jako je <a href=\"https:\/\/www.zaptest.com\/cs\">ZAPTEST<\/a>, mohou poskytnout flexibilitu, kterou pot\u0159ebujete k zaji\u0161t\u011bn\u00ed vysok\u00e9 \u00farovn\u011b kvality dat, bezpe\u010dnosti a kompatibility syst\u00e9mu. A co je mo\u017en\u00e1 nejd\u016fle\u017eit\u011bj\u0161\u00ed, ZAPTEST Enterprise obsahuje tak\u00e9 v\u00fdkonn\u00e9 n\u00e1stroje pro automatizaci testov\u00e1n\u00ed softwaru a asistenci experta ZAP, kter\u00fd v\u00e1m pom\u016f\u017ee s pl\u00e1nov\u00e1n\u00edm, implementac\u00ed, nasazen\u00edm, testov\u00e1n\u00edm a \u00fadr\u017ebou projektu RPA.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Kvalita_dat\"><\/span><strong>#2. Kvalita dat<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ka\u017ed\u00e1 implementace RPA pot\u0159ebuje jasn\u00e9 a p\u0159esn\u00e9 informace. Mnoho poji\u0161\u0165oven v\u0161ak uchov\u00e1v\u00e1 data v r\u00e1mci jednotliv\u00fdch sil, co\u017e m\u016f\u017ee zp\u016fsobit ur\u010dit\u00e9 probl\u00e9my, pokud jde o centralizaci informac\u00ed pro automatiza\u010dn\u00ed \u0159e\u0161en\u00ed. RPA m\u016f\u017ee pomoci s migrac\u00ed t\u011bchto dat do cloudov\u00fdch syst\u00e9m\u016f nebo on-prem datab\u00e1z\u00ed. Nav\u00edc m\u016f\u017ee pomoci zajistit komplexn\u00ed sb\u011br a vy\u010di\u0161t\u011bn\u00ed dat.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Komplexni_rozhodovani\"><\/span><strong>#3. Komplexn\u00ed rozhodov\u00e1n\u00ed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>RPA je ur\u010dena pro zpracov\u00e1n\u00ed velkoobjemov\u00fdch a p\u0159edv\u00eddateln\u00fdch \u00faloh. Pokud v\u0161ak cht\u011bj\u00ed poji\u0161\u0165ovny z t\u011bchto n\u00e1stroj\u016f vyt\u011b\u017eit maximum, budou muset zpracov\u00e1vat nestrukturovan\u00e1 data a v\u00fdjimky a rozhodovat se.<\/p>\n<p>N\u00e1stroje RPA, kter\u00e9 jsou integrov\u00e1ny s um\u011blou inteligenc\u00ed, mohou na\u0161t\u011bst\u00ed nab\u00eddnout to nejlep\u0161\u00ed z obou sv\u011bt\u016f. RPA zvl\u00e1dne n\u00e1ro\u010dnou pr\u00e1ci, kognitivn\u00ed n\u00e1stroje AI jsou schopn\u00e9 \u010d\u00edst nestrukturovan\u00e1 data, rozhodovat a \u0159e\u0161it v\u00fdjimky.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Dodrzovani_predpisu-2\"><\/span><strong>#4. Dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Nekompromisn\u00ed regula\u010dn\u00ed po\u017eadavky a neust\u00e1le se vyv\u00edjej\u00edc\u00ed z\u00e1kony o ochran\u011b osobn\u00edch \u00fadaj\u016f jsou z\u00e1t\u011b\u017e\u00ed, kterou si poji\u0161\u0165ovny a\u017e p\u0159\u00edli\u0161 dob\u0159e uv\u011bdomuj\u00ed. Zaveden\u00ed \u0159e\u0161en\u00ed RPA bude vy\u017eadovat pl\u00e1nov\u00e1n\u00ed, aby se zajistilo bezpe\u010dn\u00e9 a odpov\u011bdn\u00e9 zach\u00e1zen\u00ed s daty.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Trendy_v_oblasti_RPA_v_pojistovnictvi\"><\/span><strong>Trendy v oblasti RPA v poji\u0161\u0165ovnictv\u00ed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img data-dominant-color=\"111720\" data-has-transparency=\"false\" style=\"--dominant-color: #111720;\" decoding=\"async\" class=\"aligncenter size-large wp-image-72881 not-transparent\" src=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-1024x682.webp\" alt=\"Trendy a velikost trhu rpa\" width=\"1024\" height=\"682\" srcset=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-1024x682.webp 1024w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-300x200.webp 300w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-768x511.webp 768w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-1536x1022.webp 1536w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-1080x719.webp 1080w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-1280x852.webp 1280w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-980x652.webp 980w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-480x320.webp 480w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-jpeg.webp 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p>RPA d\u011bl\u00e1 v poji\u0161\u0165ovnictv\u00ed obrovsk\u00e9 pokroky d\u00edky sv\u00e9 flexibilit\u011b a integraci s n\u00e1stroji AI\/ML a dal\u0161\u00edmi technologiemi. Prozkoumejme n\u011bkter\u00e9 z hlavn\u00edch trend\u016f v oblasti RPA v poji\u0161\u0165ovnictv\u00ed.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Omnichannel_komunikace\"><\/span><strong>#1. Omnichannel komunikace<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Poji\u0161t\u011bn\u00ed se mnohem v\u00edce zam\u011b\u0159uje na z\u00e1kazn\u00edka. \u010c\u00e1ste\u010dn\u011b to souvis\u00ed s konkurenc\u00ed a m\u011bn\u00edc\u00edmi se po\u017eadavky spot\u0159ebitel\u016f. Chatboti a inteligentn\u00ed virtu\u00e1ln\u00ed asistenti LLM mohou pracovat nap\u0159\u00ed\u010d celou cestou z\u00e1kazn\u00edka a poskytovat personalizovan\u00e9 slu\u017eby prost\u0159ednictv\u00edm e-mailu, textu, soci\u00e1ln\u00edch m\u00e9di\u00ed nebo platforem messenger. Mo\u017enosti samoobsluhy pro z\u00e1kazn\u00edky poskytovan\u00e9 24 hodin denn\u011b 7 dn\u00ed v t\u00fddnu se propoj\u00ed s n\u00e1stroji RPA, kter\u00e9 mohou odes\u00edlat a p\u0159ij\u00edmat data a zaji\u0161\u0165ovat aktualizaci z\u00e1znam\u016f v re\u00e1ln\u00e9m \u010dase.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Posouzeni_rizik_s_pomoci_umele_inteligence\"><\/span><strong>#2. Posouzen\u00ed rizik s pomoc\u00ed um\u011bl\u00e9 inteligence<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Modely zalo\u017een\u00e9 na um\u011bl\u00e9 inteligenci se ji\u017e pou\u017e\u00edvaj\u00ed v poji\u0161\u0165ovnictv\u00ed. P\u0159edpov\u011bdi a poznatky, kter\u00e9 generuj\u00ed, jsou v\u0161ak jen tak dobr\u00e9, jak dobr\u00e1 jsou jejich vstupn\u00ed data. N\u00e1stroje RPA pom\u00e1haj\u00ed t\u00fdm\u016fm shroma\u017e\u010fovat, \u010distit a odes\u00edlat data do prediktivn\u00edch model\u016f a pom\u00e1haj\u00ed tak poji\u0161\u0165ovn\u00e1m dos\u00e1hnout vy\u0161\u0161\u00ed \u00farovn\u011b p\u0159esnosti a p\u0159ehled\u016f, kter\u00e9 sni\u017euj\u00ed rizika a chyby a zvy\u0161uj\u00ed ziskovost.<\/p>\n<p>Krom\u011b toho se kognitivn\u00ed n\u00e1stroje um\u011bl\u00e9 inteligence vyu\u017e\u00edvaj\u00ed tak\u00e9 k odhalov\u00e1n\u00ed podvod\u016f, co\u017e v budoucnu zm\u00edrn\u00ed rizika a pom\u016f\u017ee poji\u0161\u0165ovn\u00e1m udr\u017eet si v\u011bt\u0161\u00ed konkurenceschopnost.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Nizkokodove_a_nekodove_nastroje_a_automatizace_testovani\"><\/span><strong>#3. N\u00edzkok\u00f3dov\u00e9 a nek\u00f3dov\u00e9 n\u00e1stroje a automatizace testov\u00e1n\u00ed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>V poji\u0161\u0165ovnictv\u00ed se st\u00e1le \u010dast\u011bji pou\u017e\u00edvaj\u00ed n\u00e1stroje s n\u00edzk\u00fdm nebo nulov\u00fdm k\u00f3dem, kter\u00e9 pom\u00e1haj\u00ed vytv\u00e1\u0159et aplikace na m\u00edru. V minulosti pot\u0159ebovaly t\u00fdmy k vytv\u00e1\u0159en\u00ed a testov\u00e1n\u00ed aplikac\u00ed hlubok\u00e9 znalosti k\u00f3dov\u00e1n\u00ed. V dne\u0161n\u00ed dob\u011b vyu\u017e\u00edvaj\u00ed netechnick\u00e9 t\u00fdmy a v\u00fdvoj\u00e1\u0159i n\u00e1stroje pro <a href=\"https:\/\/www.zaptest.com\/cs\/kompletni-pruvodce-automatizaci-testovani-softwaru\">automatizaci testov\u00e1n\u00ed<\/a> bez k\u00f3du a <a href=\"https:\/\/www.zaptest.com\/cs\/kompletni-pruvodce-automatizaci-testovani-softwaru\">softwaru<\/a> k rychl\u00e9mu vytvo\u0159en\u00ed automatiza\u010dn\u00edch n\u00e1stroj\u016f.<\/p>\n<p>D\u00edky t\u011bmto u\u017eivatelsky p\u0159\u00edv\u011btiv\u00fdm n\u00e1stroj\u016fm s rozhran\u00edm drag-and-drop mohou poji\u0161\u0165ovny l\u00e9pe reagovat na pot\u0159eby spot\u0159ebitel\u016f a zkr\u00e1tit \u017eivotn\u00ed cyklus v\u00fdvoje softwaru. Mo\u017en\u00e1 je\u0161t\u011b v\u00fdznamn\u011bj\u0161\u00ed je, \u017ee sni\u017euje n\u00e1klady na uveden\u00ed n\u00e1stroj\u016f na trh, co\u017e m\u016f\u017ee zlep\u0161it slu\u017eby z\u00e1kazn\u00edk\u016fm a zav\u00e1d\u011bn\u00ed nov\u00fdch z\u00e1kazn\u00edk\u016f, stejn\u011b jako intern\u00ed automatiza\u010dn\u00ed n\u00e1stroje, kter\u00e9 pom\u00e1haj\u00ed uvolnit zam\u011bstnance od opakuj\u00edc\u00edch se \u00fakol\u016f.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Rizena_RPA\"><\/span><strong>#4. \u0158\u00edzen\u00e1 RPA<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Nedostatek IT odborn\u00edk\u016f znamen\u00e1, \u017ee n\u011bkter\u00e9 poji\u0161\u0165ovny, kter\u00e9 cht\u011bj\u00ed zav\u00e9st automatiza\u010dn\u00ed \u0159e\u0161en\u00ed, se setkaly s odkladem nebo odlo\u017een\u00edm projekt\u016f. Nav\u00edc dopln\u011bn\u00ed person\u00e1lu IT s pot\u0159ebn\u00fdmi odborn\u00fdmi znalostmi je \u010dasto pom\u011brn\u011b n\u00e1kladn\u00e9. V d\u016fsledku toho se st\u00e1le v\u00edce poji\u0161\u0165ovac\u00edch organizac\u00ed obrac\u00ed na slu\u017eby Managed RPA, kter\u00e9 jim pom\u00e1haj\u00ed v ka\u017ed\u00e9 f\u00e1zi realizace projektu.<\/p>\n<p>Klienti ZAPTEST Enterprise mohou tento druh slu\u017eby vyu\u017e\u00edvat. Krom\u011b toho, \u017ee poji\u0161\u0165ovny z\u00edskaj\u00ed prvot\u0159\u00eddn\u00ed n\u00e1stroje pro automatizaci RPA a testov\u00e1n\u00ed, mohou tak\u00e9 vyu\u017e\u00edt v\u00fdhod odborn\u00edka ZAP, kter\u00fd jim pom\u016f\u017ee s pl\u00e1nov\u00e1n\u00edm, nasazen\u00edm a \u00fadr\u017ebou.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Centra_excelence_RPA_CoE\"><\/span><strong>#5. Centra excelence RPA (CoE)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Mnoho poji\u0161\u0165oven si uv\u011bdomuje, \u017ee RPA bude hr\u00e1t velkou roli v budoucnosti tohoto odv\u011btv\u00ed. V d\u016fsledku toho zaji\u0161\u0165uj\u00ed budoucnost sv\u00e9ho podnik\u00e1n\u00ed z\u0159izov\u00e1n\u00edm center excelence RPA (CoE), aby si zajistily dobr\u00e9 postaven\u00ed a mohly vyu\u017e\u00edvat nes\u010detn\u00e9 v\u00fdhody automatiza\u010dn\u00ed technologie.<\/p>\n<p>Investice do RPA CoE pom\u00e1h\u00e1 zaplnit mezeru v dovednostech, podporuje inovace a pom\u00e1h\u00e1 t\u00fdm\u016fm identifikovat procesy, kter\u00e9 jsou zral\u00e9 pro automatizaci.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Budoucnost_robotickych_procesu\"><\/span><strong>Budoucnost robotick\u00fdch proces\u016f  <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Automatizace_v_pojistovnictvi-2\"><\/span><strong>Automatizace v poji\u0161\u0165ovnictv\u00ed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-73033\" src=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/25.png\" alt=\"budoucnost rpa\" width=\"573\" height=\"322\"><\/p>\n<p>Poji\u0161\u0165ovnictv\u00ed je odv\u011btv\u00ed bohat\u00e9 na data, kter\u00e9 se do zna\u010dn\u00e9 m\u00edry spol\u00e9h\u00e1 na rozhodov\u00e1n\u00ed zalo\u017een\u00e9 na pravidlech a prediktivn\u00ed anal\u00fdzy. Jin\u00fdmi slovy, jedn\u00e1 se o odv\u011btv\u00ed, kter\u00e9 bude i nad\u00e1le proch\u00e1zet revoluc\u00ed d\u00edky RPA a AI. Pod\u00edvejme se, jak n\u00e1stroje RPA ovlivn\u00ed poji\u0161\u0165ovny budoucnosti.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Asistovane_pojisteni_RPA\"><\/span><strong>1. Asistovan\u00e9 poji\u0161t\u011bn\u00ed RPA<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Aplikace RPA v poji\u0161\u0165ovnictv\u00ed se obvykle zam\u011b\u0159uj\u00ed na back-endov\u00e9 procesy. Asistovan\u00e1 RPA v\u0161ak zajist\u00ed bezprobl\u00e9movou interakci s pracovn\u00edky p\u0159edn\u00edch z\u00e1kaznick\u00fdch slu\u017eeb, kter\u00fdm pom\u016f\u017ee rychle a snadno vy\u0159\u00eddit po\u017eadavky spot\u0159ebitel\u016f t\u00edm, \u017ee automatizuje zad\u00e1v\u00e1n\u00ed a odvol\u00e1v\u00e1n\u00ed dat, analyzuje informace, kter\u00e9 pom\u00e1haj\u00ed p\u0159i rozhodov\u00e1n\u00ed, a zas\u00edl\u00e1 relevantn\u00ed sd\u011blen\u00ed pojistn\u00edk\u016fm.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Hyperautomatizace\"><\/span><strong>2. Hyperautomatizace<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Poji\u0161\u0165ovnictv\u00ed je ve velk\u00e9 m\u00ed\u0159e zalo\u017eeno na datech. <a href=\"https:\/\/www.zaptest.com\/hyperautomation\">Hyperautomatizace<\/a>, kter\u00e1 bude zahrnovat kombinaci RPA, AI, ML a dal\u0161\u00edch technologi\u00ed, by mohla automatizovat upisov\u00e1n\u00ed, zpracov\u00e1n\u00ed pojistn\u00fdch ud\u00e1lost\u00ed, odhalov\u00e1n\u00ed podvod\u016f, z\u00e1kaznick\u00fd servis a dal\u0161\u00ed. V\u00fdsledkem by mohl b\u00fdt pln\u011b automatizovan\u00fd poji\u0161\u0165ovac\u00ed makl\u00e9\u0159 s vysokou kvalitou a rychlost\u00ed slu\u017eeb p\u0159i n\u00edzk\u00fdch n\u00e1kladech.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Telematika_a_internet_veci\"><\/span><strong>3. Telematika a internet v\u011bc\u00ed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>P\u0159esto\u017ee internet v\u011bc\u00ed mo\u017en\u00e1 nesplnil sv\u00e9 sliby, v poji\u0161\u0165ovnictv\u00ed je pro chytr\u00e9 senzory a podobn\u00e9 technologie st\u00e1le dost prostoru. N\u00e1stroje RPA pro poji\u0161t\u011bn\u00ed P&amp;C by se mohly propojit s chytr\u00fdmi dom\u00e1cnostmi a automobily, aby potvrdily platnost pojistn\u00fdch ud\u00e1lost\u00ed, zat\u00edmco telematick\u00e9 \u00fadaje by mohly sledovat nap\u0159\u00edklad automobily nebo cvi\u010den\u00ed a aktivity prost\u0159ednictv\u00edm chytr\u00fdch telefon\u016f nebo nositeln\u00fdch za\u0159\u00edzen\u00ed.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Komplexni_modely_rizik\"><\/span><strong>4. Komplexn\u00ed modely rizik<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Zat\u00edmco modely rizik ji\u017e maj\u00ed solidn\u00ed \u00farove\u0148 p\u0159esnosti, n\u00e1stroje AI\/ML by mohly tyto p\u0159edpov\u011bdi u\u010dinit t\u00e9m\u011b\u0159 proaktivn\u00edmi. S dostate\u010dn\u00fdm mno\u017estv\u00edm dat a spr\u00e1vn\u00fdmi analytick\u00fdmi n\u00e1stroji by tato technologie mohla prov\u00e1d\u011bt vysoce personalizovan\u00e9 p\u0159edpov\u011bdi s neomylnou p\u0159esnost\u00ed a u\u0161et\u0159it tak pr\u016fmyslu miliardy ro\u010dn\u011b.<\/p>\n<p>RPA s podporou um\u011bl\u00e9 inteligence v poji\u0161\u0165ovnictv\u00ed by v\u0161ak mohla narazit na etick\u00e9 probl\u00e9my t\u00fdkaj\u00edc\u00ed se \u00fadaj\u016f u\u017eivatel\u016f. Ji\u017e v roce 2016 <a href=\"https:\/\/www.theguardian.com\/money\/2016\/nov\/06\/insurers-use-facebook-weekly-shop-social-media-judgment-potential-risk#:~:text=%E2%80%9CYou%20can't%20buy%20access,have%20publicly%20recommended%20or%20shared.\">n\u011bkte\u0159\u00ed pojistitel\u00e9 p\u0159iznali, \u017ee p\u0159i hodnocen\u00ed rizika nahl\u00ed\u017eeli na \u00fa\u010dty pojistn\u00edk\u016f na soci\u00e1ln\u00edch s\u00edt\u00edch<\/a>. \u0158et\u011bzec supermarket\u016f Tesco pou\u017e\u00edv\u00e1 \u00fadaje z karty Clubcard k ur\u010den\u00ed rizikov\u00e9ho sk\u00f3re dom\u00e1cnost\u00ed pro sv\u00e9 finan\u010dn\u00ed slu\u017eby.<\/p>\n<p>O tom, zda budou tyto nedeklarovan\u00e9 informace pou\u017eity v r\u00e1mci automatizace zpracov\u00e1n\u00ed \u017e\u00e1dost\u00ed, lze jen spekulovat. Poji\u0161\u0165ovny budou muset zv\u00e1\u017eit ziskovost tohoto p\u0159\u00edstupu ve srovn\u00e1n\u00ed s etick\u00fdmi ot\u00e1zkami a mo\u017en\u00fdm po\u0161kozen\u00edm dobr\u00e9 pov\u011bsti.<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Zaverecne_myslenky\"><\/span><strong>Z\u00e1v\u011bre\u010dn\u00e9 my\u0161lenky<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Robotick\u00e1 automatizace proces\u016f v poji\u0161\u0165ovnictv\u00ed p\u0159in\u00e1\u0161\u00ed mnoho v\u00fdhod. RPA v poji\u0161\u0165ovnictv\u00ed pom\u00e1h\u00e1 sni\u017eovat n\u00e1klady, zvy\u0161uje produktivitu a zlep\u0161uje z\u00e1kaznickou zku\u0161enost a m\u016f\u017ee p\u0159in\u00e9st p\u016fsobivou n\u00e1vratnost investic.<\/p>\n<p>Automatizace pojistn\u00fdch ud\u00e1lost\u00ed a upisov\u00e1n\u00ed jsou pravd\u011bpodobn\u011b dva nejp\u0159esv\u011bd\u010div\u011bj\u0161\u00ed p\u0159\u00edpady vyu\u017eit\u00ed RPA v tomto odv\u011btv\u00ed. Tyto \u010dasov\u011b a informa\u010dn\u011b n\u00e1ro\u010dn\u00e9 \u00fakoly v sou\u010dasn\u00e9 dob\u011b vy\u017eaduj\u00ed v cel\u00e9m poji\u0161\u0165ovnictv\u00ed zna\u010dnou m\u00edru lidsk\u00e9ho z\u00e1sahu. Transformace v\u0161ak ji\u017e prob\u00edh\u00e1. Poji\u0161\u0165ovny pom\u00e1haj\u00ed lidem p\u0159estat se ob\u00e1vat o svou budoucnost; technologie RPA d\u011bl\u00e1 tot\u00e9\u017e pro poji\u0161\u0165ovny.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Robotick\u00e1 automatizace proces\u016f v poji\u0161\u0165ovnictv\u00ed je na vzestupu. Stejn\u011b jako v jin\u00fdch odv\u011btv\u00edch, kde se vyskytuje velk\u00e9 mno\u017estv\u00ed opakuj\u00edc\u00edch se \u00fakol\u016f zalo\u017een\u00fdch na pravidlech, m\u016f\u017ee RPA pomoci organizac\u00edm dos\u00e1hnout rychlej\u0161\u00edch, n\u00e1kladov\u011b efektivn\u011bj\u0161\u00edch a bezchybn\u00fdch proces\u016f, kter\u00e9 uvoln\u00ed st\u00e1vaj\u00edc\u00ed zam\u011bstnance pro pr\u00e1ci s vy\u0161\u0161\u00ed p\u0159idanou hodnotou. Upisov\u00e1n\u00ed pojistek a automatizace pojistn\u00fdch ud\u00e1lost\u00ed jsou dv\u011b st\u011b\u017eejn\u00ed vyu\u017eit\u00ed [&hellip;]<\/p>\n","protected":false},"author":14624,"featured_media":73456,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"Robotick\u00e1 automatizace proces\u016f (RPA) v poji\u0161\u0165ovnictv\u00ed","_seopress_titles_desc":"P\u0159e\u010dt\u011bte si o RPA v poji\u0161\u0165ovnictv\u00ed: velikost trhu, faktory ovliv\u0148uj\u00edc\u00ed robotickou automatizaci proces\u016f v t\u00e9to oblasti, v\u00fdzvy RPA v poji\u0161\u0165ovnictv\u00ed a dal\u0161\u00ed!","_seopress_robots_index":"","_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","content-type":"","footnotes":"","beyondwords_generate_audio":"","beyondwords_integration_method":"","beyondwords_project_id":"","beyondwords_content_id":"","beyondwords_preview_token":"","beyondwords_player_content":"","beyondwords_player_style":"","beyondwords_language_code":"","beyondwords_language_id":"","beyondwords_title_voice_id":"","beyondwords_body_voice_id":"","beyondwords_summary_voice_id":"","beyondwords_error_message":"","beyondwords_disabled":"","beyondwords_delete_content":"","beyondwords_podcast_id":"","beyondwords_hash":"","publish_post_to_speechkit":"","speechkit_hash":"","speechkit_generate_audio":"","speechkit_project_id":"","speechkit_podcast_id":"","speechkit_error_message":"","speechkit_disabled":"","speechkit_access_key":"","speechkit_error":"","speechkit_info":"","speechkit_response":"","speechkit_retries":"","speechkit_status":"","speechkit_updated_at":"","_speechkit_link":"","_speechkit_text":""},"categories":[320],"tags":[],"class_list":{"0":"post-73450","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-roboticka-automatizace-procesu"},"acf":{"short_name":"RPA v poji\u0161\u0165ovnictv\u00ed"},"_links":{"self":[{"href":"https:\/\/www.zaptest.com\/cs\/wp-json\/wp\/v2\/posts\/73450","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.zaptest.com\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.zaptest.com\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.zaptest.com\/cs\/wp-json\/wp\/v2\/users\/14624"}],"replies":[{"embeddable":true,"href":"https:\/\/www.zaptest.com\/cs\/wp-json\/wp\/v2\/comments?post=73450"}],"version-history":[{"count":1,"href":"https:\/\/www.zaptest.com\/cs\/wp-json\/wp\/v2\/posts\/73450\/revisions"}],"predecessor-version":[{"id":74081,"href":"https:\/\/www.zaptest.com\/cs\/wp-json\/wp\/v2\/posts\/73450\/revisions\/74081"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.zaptest.com\/cs\/wp-json\/wp\/v2\/media\/73456"}],"wp:attachment":[{"href":"https:\/\/www.zaptest.com\/cs\/wp-json\/wp\/v2\/media?parent=73450"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.zaptest.com\/cs\/wp-json\/wp\/v2\/categories?post=73450"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.zaptest.com\/cs\/wp-json\/wp\/v2\/tags?post=73450"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}