{"id":74188,"date":"2023-12-06T17:39:23","date_gmt":"2023-12-06T17:39:23","guid":{"rendered":"https:\/\/www.zaptest.com\/roboticka-automatizace-procesu-rpa-v-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy"},"modified":"2023-12-06T17:39:23","modified_gmt":"2023-12-06T17:39:23","slug":"roboticka-automatizace-procesu-rpa-v-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy","status":"publish","type":"post","link":"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy","title":{"rendered":"Robotick\u00e1 automatizace proces\u016f (RPA) v bankovnictv\u00ed a finan\u010dnictv\u00ed &#8211; p\u0159\u00edpadov\u00e9 studie, p\u0159\u00edklady, p\u0159\u00ednosy a v\u00fdzvy"},"content":{"rendered":"<p>Robotick\u00e1 automatizace proces\u016f v bankovnictv\u00ed a finan\u010dnictv\u00ed je jedn\u00edm z nejsiln\u011bj\u0161\u00edch a nejp\u0159esv\u011bd\u010div\u011bj\u0161\u00edch p\u0159\u00edpad\u016f vyu\u017eit\u00ed automatiza\u010dn\u00edch technologi\u00ed. Automatizace obchodov\u00e1n\u00ed je roz\u0161\u00ed\u0159en\u00e1 ji\u017e od 70. a 80. let 20. stolet\u00ed, ale RPA otev\u00edr\u00e1 jin\u00fd typ mechanizace s v\u011bt\u0161\u00edm d\u016frazem na sni\u017eov\u00e1n\u00ed n\u00e1klad\u016f a zlep\u0161ov\u00e1n\u00ed zku\u0161enost\u00ed spot\u0159ebitel\u016f.<\/p>\n<p>Bankovn\u00ed RPA tak\u00e9 umo\u017enila podnik\u016fm reagovat na neust\u00e1le se m\u011bn\u00edc\u00ed regula\u010dn\u00ed prost\u0159ed\u00ed t\u00edm, \u017ee funguje jako \u0159e\u0161en\u00ed RegTech pro automatizaci financ\u00ed. Existuje v\u0161ak n\u011bkolik dal\u0161\u00edch vynikaj\u00edc\u00edch zp\u016fsob\u016f vyu\u017eit\u00ed RPA v oblasti financ\u00ed, v\u010detn\u011b zpracov\u00e1n\u00ed transakc\u00ed, schvalov\u00e1n\u00ed \u00fav\u011br\u016f a zv\u00fd\u0161en\u00ed kybernetick\u00e9 bezpe\u010dnosti.<\/p>\n<p>V tomto \u010dl\u00e1nku se budeme zab\u00fdvat p\u0159\u00ednosy, p\u0159\u00edpadov\u00fdmi studiemi, p\u0159\u00edpady pou\u017eit\u00ed, trendy a v\u00fdzvami <a href=\"https:\/\/www.zaptest.com\/rpa\">robotick\u00e9 automatizace proces\u016f<\/a> v oblasti financ\u00ed a bankovnictv\u00ed.<\/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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Roboticka_automatizace_procesu_v\" >Robotick\u00e1 automatizace proces\u016f v<\/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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Velikost_financniho_a_bankovniho_trhu\" >Velikost finan\u010dn\u00edho a bankovn\u00edho trhu<\/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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Faktory_ovlivnujici_bankovnictvi_a\" >Faktory ovliv\u0148uj\u00edc\u00ed bankovnictv\u00ed a<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#automatizace_financnich_procesu\" >automatizace finan\u010dn\u00edch proces\u016f<\/a><ul class='ez-toc-list-level-3' ><li class='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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#1_Snizeni_nakladu\" >1. 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-6\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#2_Zvysena_regulacni_a_administrativni_zatez\" >2. Zv\u00fd\u0161en\u00e1 regula\u010dn\u00ed a administrativn\u00ed z\u00e1t\u011b\u017e<\/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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#3_Samoobsluha_zakazniku\" >3. Samoobsluha 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-8\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#4_Mensi_riziko\" >4. Men\u0161\u00ed riziko<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#5_Kontinuita_podnikani\" >5. Kontinuita podnik\u00e1n\u00ed<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Vyhody_roboticke_automatizace_procesu\" >V\u00fdhody robotick\u00e9 automatizace proces\u016f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#v_oblasti_financi_a_bankovnictvi\" >v oblasti financ\u00ed a bankovnictv\u00ed<\/a><ul class='ez-toc-list-level-3' ><li class='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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#1_Usetrete_penize\" >#1. U\u0161et\u0159ete pen\u00edze<\/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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#2_Vetsi_spokojenost_s_praci\" >#2. 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-14\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#3_Splneni_pozadavku_predpisu\" >#3. Spln\u011bn\u00ed po\u017eadavk\u016f p\u0159edpis\u016f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#4_Skalovatelnost\" >#4. \u0160k\u00e1lovatelnost<\/a><\/li><\/ul><\/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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Pripady_pouziti_RPA_v_bankovnictvi\" >P\u0159\u00edpady pou\u017eit\u00ed RPA v bankovnictv\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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#1_Nastup_zakazniku\" >#1. N\u00e1stup 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-18\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#2_Zpracovani_zadosti_o_uver\" >#2. Zpracov\u00e1n\u00ed \u017e\u00e1dost\u00ed o \u00fav\u011br<\/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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#3_Automatizovana_zakaznicka_podpora\" >#3. Automatizovan\u00e1 z\u00e1kaznick\u00e1 podpora<\/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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#4_Generovani_zprav\" >#4. Generov\u00e1n\u00ed zpr\u00e1v<\/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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#5_Odhalovani_podvodu\" >#5. Odhalov\u00e1n\u00ed podvod\u016f<\/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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#6_Dodrzovani_predpisu\" >#6. 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-23\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#7_Zpracovani_plateb\" >#7. Zpracov\u00e1n\u00ed plateb<\/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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#8_Automaticke_uzavreni_uctu\" >#8. Automatick\u00e9 uzav\u0159en\u00ed \u00fa\u010dtu<\/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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#9_Rizeni_zamestnancu\" >#9. \u0158\u00edzen\u00ed zam\u011bstnanc\u016f<\/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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Pripadove_studie_RPA_ve_financnich_sluzbach\" >P\u0159\u00edpadov\u00e9 studie RPA ve finan\u010dn\u00edch slu\u017eb\u00e1ch<\/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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Pripadova_studie_c_1_Eliminace_lidskych_chyb\" >P\u0159\u00edpadov\u00e1 studie \u010d. 1: Eliminace lidsk\u00fdch chyb<\/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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Pripadova_studie_c_2_Zrychleni_zpracovani_uveru\" >P\u0159\u00edpadov\u00e1 studie \u010d. 2: Zrychlen\u00ed zpracov\u00e1n\u00ed \u00fav\u011br\u016f<\/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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Pripadova_studie_c_3_Splneni_regulacni_zateze\" >P\u0159\u00edpadov\u00e1 studie \u010d. 3: Spln\u011bn\u00ed regula\u010dn\u00ed z\u00e1t\u011b\u017ee<\/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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Vyzvy_kterym_celi_roboticke_procesy\" >V\u00fdzvy, kter\u00fdm \u010del\u00ed robotick\u00e9 procesy<\/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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Automatizace_v_bankovnim_a_financnim_sektoru\" >Automatizace v bankovn\u00edm a finan\u010dn\u00edm sektoru<\/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-bankovnictvi-a-financnictvi-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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#2_Standardizace_procesu\" >#2. Standardizace proces\u016f<\/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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#3_Mytus_o_stribrne_kulce\" >#3. M\u00fdtus o st\u0159\u00edbrn\u00e9 kulce<\/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-bankovnictvi-a-financnictvi-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-36\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#5_Nedostatek_dovednosti\" >#5. Nedostatek dovednost\u00ed<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Trendy_v_oblasti_RPA_v_bankovnictvi\" >Trendy v oblasti RPA v bankovnictv\u00ed<\/a><ul class='ez-toc-list-level-3' ><li class='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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#1_Inteligentni_automatizace\" >#1. Inteligentn\u00ed automatizace<\/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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#2_RPA_v_cloudu\" >#2. RPA v cloudu<\/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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#3_Generativni_umela_inteligence\" >#3. Generativn\u00ed um\u011bl\u00e1 inteligence<\/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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#4_Asistovana_RPA\" >#4. Asistovan\u00e1 RPA<\/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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#Budoucnost_automatizace_v_bankovnictvi\" >Budoucnost automatizace v bankovnictv\u00ed<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#1_Hyperautomatizace\" >#1. Hyperautomatizace<\/a><\/li><li class='ez-toc-page-1 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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#2_Vysoce_personalizovany_design_aplikaci_bez_kodu\" >#2. Vysoce personalizovan\u00fd design aplikac\u00ed bez k\u00f3du<\/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-bankovnictvi-a-financnictvi-pripadove-studie-priklady-prinosy-a-vyzvy\/#3_Prediktivni_odhalovani_podvodu\" >#3. Prediktivn\u00ed odhalov\u00e1n\u00ed podvod\u016f<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-46\" href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-bankovnictvi-a-financnictvi-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=\"Roboticka_automatizace_procesu_v\"><\/span><strong>Robotick\u00e1 automatizace proces\u016f v  <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Velikost_financniho_a_bankovniho_trhu\"><\/span><strong>Velikost finan\u010dn\u00edho a bankovn\u00edho trhu<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img data-dominant-color=\"b9b7b1\" data-has-transparency=\"false\" style=\"--dominant-color: #b9b7b1;\" decoding=\"async\" class=\"aligncenter wp-image-70992 not-transparent\" src=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/The-future-of-copilots-and-Generative-AI-in-Software-Testing-and-RPA--1024x737.webp\" alt=\"Budoucnost kopilot\u016f a generativn\u00ed um\u011bl\u00e9 inteligence v testov\u00e1n\u00ed softwaru a RPA\" width=\"497\" height=\"358\" srcset=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/The-future-of-copilots-and-Generative-AI-in-Software-Testing-and-RPA--1024x737.webp 1024w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/The-future-of-copilots-and-Generative-AI-in-Software-Testing-and-RPA--300x216.webp 300w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/The-future-of-copilots-and-Generative-AI-in-Software-Testing-and-RPA--768x553.webp 768w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/The-future-of-copilots-and-Generative-AI-in-Software-Testing-and-RPA--1536x1106.webp 1536w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/The-future-of-copilots-and-Generative-AI-in-Software-Testing-and-RPA--1080x777.webp 1080w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/The-future-of-copilots-and-Generative-AI-in-Software-Testing-and-RPA--1280x921.webp 1280w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/The-future-of-copilots-and-Generative-AI-in-Software-Testing-and-RPA--980x705.webp 980w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/The-future-of-copilots-and-Generative-AI-in-Software-Testing-and-RPA--480x346.webp 480w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/The-future-of-copilots-and-Generative-AI-in-Software-Testing-and-RPA--jpeg.webp 1920w\" sizes=\"(max-width: 497px) 100vw, 497px\" \/><\/p>\n<p>Velikost glob\u00e1ln\u00edho trhu robotick\u00e9 automatizace proces\u016f (RPA) v bankovnictv\u00ed a finan\u010dnictv\u00ed (BFSI) \u010dinila v<a href=\"https:\/\/www.grandviewresearch.com\/industry-analysis\/robotic-process-automation-bfsi-market\"> roce 2023<\/a> p\u0159ibli\u017en\u011b<a href=\"https:\/\/www.grandviewresearch.com\/industry-analysis\/robotic-process-automation-bfsi-market\"> 860,75 milionu USD<\/a>. Analytici o\u010dek\u00e1vaj\u00ed, \u017ee se slo\u017een\u00e1 ro\u010dn\u00ed m\u00edra r\u016fstu (CAGR) ve v\u00fd\u0161i 40 % zv\u00fd\u0161\u00ed do roku 2030 na t\u00e9m\u011b\u0159 9 miliard dolar\u016f.<\/p>\n<p>V\u011bt\u0161inu trhu tvo\u0159\u00ed Severn\u00ed Amerika (45 %) a Evropa (30 %). Asie a Tichomo\u0159\u00ed jsou v\u0161ak pova\u017eov\u00e1ny za oblast s nejv\u011bt\u0161\u00edm potenci\u00e1lem r\u016fstu v p\u0159\u00ed\u0161t\u00edm desetilet\u00ed.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Faktory_ovlivnujici_bankovnictvi_a\"><\/span><strong>Faktory ovliv\u0148uj\u00edc\u00ed bankovnictv\u00ed a  <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"automatizace_financnich_procesu\"><\/span><strong>automatizace finan\u010dn\u00edch proces\u016f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img data-dominant-color=\"37302c\" data-has-transparency=\"false\" style=\"--dominant-color: #37302c;\" decoding=\"async\" class=\"aligncenter size-full wp-image-66878 not-transparent\" src=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/09\/unit-testing-jpg.webp\" alt=\"testov\u00e1n\u00ed jednotek a faktory ovliv\u0148uj\u00edc\u00ed RPA v oblasti financ\u00ed a bankovnictv\u00ed\" width=\"290\" height=\"359\" srcset=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/09\/unit-testing-jpg.webp 290w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/09\/unit-testing-242x300.webp 242w\" sizes=\"(max-width: 290px) 100vw, 290px\" \/><\/p>\n<p>Bankovn\u00ed a finan\u010dn\u00ed trhy byly prvn\u00edmi u\u017eivateli <a href=\"https:\/\/www.zaptest.com\/cs\">n\u00e1stroj\u016f pro automatizaci testov\u00e1n\u00ed softwaru<\/a> a <a href=\"https:\/\/www.zaptest.com\/cs\/kompletni-pruvodce-robotickou-automatizaci-procesu-rpa\">technologie RPA<\/a>. V mnoha ohledech se jednalo o ide\u00e1ln\u00ed kandid\u00e1ty pro tuto technologii, proto\u017ee v t\u011bchto odv\u011btv\u00edch se zpracov\u00e1v\u00e1 velk\u00e9 mno\u017estv\u00ed opakuj\u00edc\u00edch se \u00faloh zalo\u017een\u00fdch na pravidlech, jako jsou nap\u0159\u00edklad finan\u010dn\u00ed transakce. P\u0159ijet\u00ed se v\u0161ak zv\u00fd\u0161ilo z \u0159ady dal\u0161\u00edch d\u016fvod\u016f. Zde je n\u011bkolik nejd\u016fle\u017eit\u011bj\u0161\u00edch.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Snizeni_nakladu\"><\/span><strong>1. Sn\u00ed\u017een\u00ed n\u00e1klad\u016f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.imf.org\/en\/Blogs\/Articles\/2023\/10\/16\/new-look-at-global-banks-highlights-risks-from-higher-for-longer-interest-rates\">Banky a spole\u010dnosti poskytuj\u00edc\u00ed finan\u010dn\u00ed slu\u017eby<\/a> se dlouhou dobu pohybovaly v <a href=\"https:\/\/www.imf.org\/en\/Blogs\/Articles\/2023\/10\/16\/new-look-at-global-banks-highlights-risks-from-higher-for-longer-interest-rates\">\u00e9\u0159e n\u00edzk\u00fdch nebo dokonce z\u00e1porn\u00fdch \u00farokov\u00fdch sazeb<\/a>, a proto byly \u00faspory n\u00e1klad\u016f prioritou. V posledn\u00edch letech to mo\u017en\u00e1 zm\u011bnila prudk\u00e1 inflace, kdy mnoh\u00e9 centr\u00e1ln\u00ed banky zv\u00fd\u0161ily \u00faroky na zhruba 5 %. Finan\u010dn\u00ed podniky se v\u0161ak mus\u00ed pot\u00fdkat i s dal\u0161\u00edmi p\u0159ek\u00e1\u017ekami.<\/p>\n<p>Vzestup neobank a inovativn\u00edch FinTech podnik\u016f p\u0159inesl do finan\u010dn\u00edho prost\u0159ed\u00ed v\u00e1\u017enou konkurenci. V kombinaci s jasn\u00fdmi zm\u011bnami v o\u010dek\u00e1v\u00e1n\u00edch spot\u0159ebitel\u016f mus\u00ed finan\u010dn\u00ed instituce sn\u00ed\u017eit n\u00e1klady, aby si udr\u017eely konkurenceschopnost. RPA pom\u00e1h\u00e1 t\u00fdm\u016fm sni\u017eovat ka\u017edodenn\u00ed n\u00e1klady na provoz slu\u017eeb a z\u00e1rove\u0148 poskytovat spot\u0159ebitel\u016fm inovativn\u00ed produkty.<\/p>\n<h3><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"2_Zvysena_regulacni_a_administrativni_zatez\"><\/span><strong>2. Zv\u00fd\u0161en\u00e1 regula\u010dn\u00ed a administrativn\u00ed z\u00e1t\u011b\u017e<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Zv\u00fd\u0161en\u00ed finan\u010dn\u00edch regula\u010dn\u00edch standard\u016f v posledn\u00edch n\u011bkolika letech p\u0159edstavovalo pro finan\u010dn\u00ed podniky velk\u00fd probl\u00e9m. Povinnosti v oblasti &#8222;Poznej sv\u00e9ho klienta&#8220; (KYC) a &#8222;Proti pran\u00ed \u0161pinav\u00fdch pen\u011bz&#8220; (AML) p\u0159edstavuj\u00ed pro spole\u010dnosti poskytuj\u00edc\u00ed finan\u010dn\u00ed slu\u017eby velkou administrativn\u00ed z\u00e1t\u011b\u017e, ani\u017e by p\u0159isp\u011bly k jejich hospod\u00e1\u0159sk\u00e9mu v\u00fdsledku. Manu\u00e1ln\u00ed dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f je n\u00e1kladn\u00e9, opakovan\u00e9 a n\u00e1chyln\u00e9 k lidsk\u00fdm chyb\u00e1m.<\/p>\n<p><a href=\"https:\/\/www.zaptest.com\/cs\/pocitacove-videni-je-budoucnosti-automatizace-testovani-softwaru-historie-soucasnost-a-budoucnost\">N\u00e1stroje RPA s optick\u00fdm rozpozn\u00e1v\u00e1n\u00edm znak\u016f (OCR<\/a> ) a dal\u0161\u00ed n\u00e1stroje s podporou um\u011bl\u00e9 inteligence mohou z bank sejmout \u010d\u00e1st t\u00e9to z\u00e1t\u011b\u017ee a sn\u00ed\u017eit n\u00e1klady na udr\u017een\u00ed souladu s p\u0159edpisy, nap\u0159\u00edklad n\u00e1klady na lidsk\u00fd kapit\u00e1l.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Samoobsluha_zakazniku\"><\/span><strong>3. Samoobsluha z\u00e1kazn\u00edk\u016f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>O\u010dek\u00e1v\u00e1n\u00ed z\u00e1kazn\u00edk\u016f se za posledn\u00edch deset let v\u00fdrazn\u011b zm\u011bnila. Spot\u0159ebitel\u00e9 dnes o\u010dek\u00e1vaj\u00ed, \u017ee v\u011bci budou vy\u0159\u00edzeny okam\u017eit\u011b, a nemaj\u00ed \u010das na firmu, kter\u00e1 jim m\u016f\u017ee pomoci pouze mezi dev\u00e1tou a p\u00e1tou hodinou. Samoz\u0159ejm\u011b se nezv\u00fd\u0161ila jen o\u010dek\u00e1v\u00e1n\u00ed z\u00e1kazn\u00edk\u016f. Spot\u0159ebitel\u00e9 tak\u00e9 cht\u011bj\u00ed rychl\u00e9 rozhodov\u00e1n\u00ed o p\u016fj\u010dk\u00e1ch a \u017e\u00e1dostech o veden\u00ed \u00fa\u010dtu.<\/p>\n<p>RPA m\u016f\u017ee pomoci se v\u0161emi t\u011bmito probl\u00e9my t\u00edm, \u017ee automatizuje aplikace podle krit\u00e9ri\u00ed zalo\u017een\u00fdch na pravidlech s minim\u00e1ln\u00ed pot\u0159ebou lidsk\u00e9 interakce a vy\u0159izuje dotazy z\u00e1kazn\u00edk\u016f.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Mensi_riziko\"><\/span><strong>4. Men\u0161\u00ed riziko<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Banky a finan\u010dn\u00ed spole\u010dnosti se nevyhnuteln\u011b pot\u00fdkaj\u00ed s velk\u00fdm rizikem. Omezov\u00e1n\u00ed tohoto rizika je v\u0161ak d\u016fle\u017eitou sou\u010d\u00e1st\u00ed dob\u0159e \u0159\u00edzen\u00e9ho podniku. Chyby mohou v\u00e9st ke ztr\u00e1t\u011b d\u016fv\u011bry spot\u0159ebitel\u016f a po\u0161kozen\u00ed pov\u011bsti, zat\u00edmco chyby v dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f maj\u00ed za n\u00e1sledek vysok\u00e9 finan\u010dn\u00ed sankce.<\/p>\n<p>RPA sni\u017euje po\u010det lidsk\u00fdch chyb, pom\u00e1h\u00e1 instituc\u00edm dodr\u017eovat p\u0159edpisy, zlep\u0161uje p\u0159esnost a zpracov\u00e1n\u00ed dat a m\u016f\u017ee b\u00fdt pou\u017eita p\u0159i odhalov\u00e1n\u00ed podvod\u016f, <a href=\"https:\/\/www.zaptest.com\/cs\/vliv-umele-inteligence-na-robotickou-automatizaci-procesu-komplexni-diskuse-o-konvergenci-umele-inteligence-a-rpa\">pokud je roz\u0161\u00ed\u0159ena o strojov\u00e9 u\u010den\u00ed (ML)<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Kontinuita_podnikani\"><\/span><strong>5. Kontinuita podnik\u00e1n\u00ed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Finan\u010dn\u00ed instituce hraj\u00ed v ekonomice z\u00e1sadn\u00ed roli a jak\u00e9koli naru\u0161en\u00ed slu\u017eeb m\u016f\u017ee v\u00e9st k po\u0161kozen\u00ed dobr\u00e9 pov\u011bsti. Proto\u017ee tyto instituce uchov\u00e1vaj\u00ed citliv\u00e9 \u00fadaje, jsou nav\u00edc v\u00e1z\u00e1ny p\u0159edpisy, kter\u00e9 chr\u00e1n\u00ed spot\u0159ebitele a zaji\u0161\u0165uj\u00ed stabilitu finan\u010dn\u00edho syst\u00e9mu.<\/p>\n<p>RPA m\u016f\u017ee b\u00fdt sou\u010d\u00e1st\u00ed spolehliv\u00e9ho pl\u00e1nu kontinuity provozu (BCP) a zajistit minimalizaci v\u00fdpadk\u016f zp\u016fsoben\u00fdch p\u0159\u00edrodn\u00edmi katastrofami, mimo\u0159\u00e1dn\u00fdmi ud\u00e1lostmi v oblasti ve\u0159ejn\u00e9ho zdrav\u00ed, kybernetick\u00fdmi bezpe\u010dnostn\u00edmi \u00fatoky a dal\u0161\u00edmi.<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Vyhody_roboticke_automatizace_procesu\"><\/span><strong>V\u00fdhody robotick\u00e9 automatizace proces\u016f  <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"v_oblasti_financi_a_bankovnictvi\"><\/span><strong>v oblasti financ\u00ed a bankovnictv\u00ed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img data-dominant-color=\"7d776e\" data-has-transparency=\"false\" style=\"--dominant-color: #7d776e;\" decoding=\"async\" class=\"aligncenter size-full wp-image-66683 not-transparent\" src=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/09\/performance-jpg.webp\" alt=\"velikost trhu rpa ve zdravotnictv\u00ed\" width=\"478\" height=\"325\" srcset=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/09\/performance-jpg.webp 478w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/09\/performance-300x204.webp 300w\" sizes=\"(max-width: 478px) 100vw, 478px\" \/><\/p>\n<p>Implementace <a href=\"https:\/\/www.zaptest.com\/rpa\">\u0159e\u0161en\u00ed RPA<\/a> v sektoru finan\u010dn\u00edch slu\u017eeb m\u00e1 mnoho v\u00fdhod. Zde jsou n\u011bkter\u00e9 z nejd\u016fle\u017eit\u011bj\u0161\u00edch.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Usetrete_penize\"><\/span><strong>#1. U\u0161et\u0159ete pen\u00edze<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>O\u010dek\u00e1v\u00e1 se, \u017ee vyu\u017eit\u00ed RPA bude v nadch\u00e1zej\u00edc\u00edch letech ve finan\u010dn\u00edm sektoru nad\u00e1le r\u016fst. RPA m\u016f\u017ee automatizovat a\u017e <a href=\"https:\/\/www.accenture.com\/us-en\/services\/business-process-services\/intelligent-finance-accounting\">80 % \u00faloh ve finan\u010dn\u00edm sektoru<\/a>, co\u017e pro organizace p\u0159edstavuje neuv\u011b\u0159iteln\u00e9 mo\u017enosti \u00faspory n\u00e1klad\u016f.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Vetsi_spokojenost_s_praci\"><\/span><strong>#2. V\u011bt\u0161\u00ed spokojenost s prac\u00ed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Finan\u010dn\u00ed sektor je pln\u00fd opakuj\u00edc\u00edch se a v\u0161edn\u00edch \u00fakol\u016f, kv\u016fli kter\u00fdm se pracovn\u00edci c\u00edt\u00ed bez inspirace, znud\u011bn\u00ed a nedocen\u011bn\u00ed. <a href=\"https:\/\/www.zaptest.com\/cs\/nastroje-rpa-top-31-nejlepsi-software-pro-robotickou-automatizaci-procesu-na-trhu\">N\u00e1stroje RPA<\/a> mohou p\u0159evz\u00edt tyto \u00fakoly zalo\u017een\u00e9 na pravidlech a otev\u0159\u00edt dve\u0159e zaj\u00edmav\u011bj\u0161\u00edm a kreativn\u011bj\u0161\u00edm \u00fakol\u016fm, kter\u00e9 zam\u011bstnanc\u016fm pomohou c\u00edtit se v\u00edce spjat\u00ed s celkov\u00fdm posl\u00e1n\u00edm organizace.<\/p>\n<p>V\u011bt\u0161\u00ed spokojenost s prac\u00ed se rovn\u00e1 v\u011bt\u0161\u00edmu udr\u017een\u00ed zam\u011bstnanc\u016f. RPA by m\u011bla b\u00fdt sou\u010d\u00e1st\u00ed t\u00e9to strategie.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Splneni_pozadavku_predpisu\"><\/span><strong>#3. Spln\u011bn\u00ed po\u017eadavk\u016f p\u0159edpis\u016f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Odv\u011btv\u00ed finan\u010dn\u00edch slu\u017eeb m\u00e1 jedny z nejp\u0159\u00edsn\u011bj\u0161\u00edch regula\u010dn\u00edch po\u017eadavk\u016f ze v\u0161ech odv\u011btv\u00ed. Nedodr\u017een\u00ed t\u011bchto pravidel m\u016f\u017ee v\u00e9st k vysok\u00fdm pokut\u00e1m, ztr\u00e1t\u011b licence a po\u0161kozen\u00ed pov\u011bsti, z n\u011bho\u017e se lze jen t\u011b\u017eko vzpamatovat. RPA pom\u00e1h\u00e1 t\u00fdm\u016fm splnit tyto neust\u00e1le se vyv\u00edjej\u00edc\u00ed standardy.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Skalovatelnost\"><\/span><strong>#4. \u0160k\u00e1lovatelnost<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Neobanky a FinTech podniky v oblasti finan\u010dn\u00edch slu\u017eeb \u010dasto rychle rostou d\u00edky l\u00e1kav\u00fdm pob\u00eddk\u00e1m. Tento r\u016fst v\u0161ak m\u016f\u017ee zp\u016fsobit probl\u00e9my, nap\u0159\u00edklad nedostatek zam\u011bstnanc\u016f. RPA pom\u00e1h\u00e1 p\u0159ekonat tato omezen\u00ed prost\u0159ednictv\u00edm digit\u00e1ln\u00ed pracovn\u00ed s\u00edly, kter\u00e1 zvl\u00e1dne zv\u00fd\u0161en\u00e9 pracovn\u00ed zat\u00ed\u017een\u00ed.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Pripady_pouziti_RPA_v_bankovnictvi\"><\/span><strong>P\u0159\u00edpady pou\u017eit\u00ed RPA v bankovnictv\u00ed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img data-dominant-color=\"46423d\" data-has-transparency=\"false\" style=\"--dominant-color: #46423d;\" decoding=\"async\" class=\"aligncenter size-full wp-image-66605 not-transparent\" src=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/09\/api-testing-jpg.webp\" alt=\"p\u0159\u00edpady pou\u017eit\u00ed rpa ve financ\u00edch a bankovnictv\u00ed\" width=\"298\" height=\"384\" srcset=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/09\/api-testing-jpg.webp 298w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/09\/api-testing-233x300.webp 233w\" sizes=\"(max-width: 298px) 100vw, 298px\" \/><\/p>\n<p>V bankovnictv\u00ed a finan\u010dnictv\u00ed existuje mnoho skv\u011bl\u00fdch <a href=\"https:\/\/www.zaptest.com\/cs\/15-nejlepsich-pripadu-pouziti-rpa-roboticke-automatizace-procesu-podle-odvetvi-finance-zdravotnictvi-hr-ucetnictvi-vyroba-a-dalsi\">p\u0159\u00edpad\u016f vyu\u017eit\u00ed RPA<\/a>. N\u011bkter\u00e9 z nich p\u0159\u00edmo souvisej\u00ed s hlavn\u00edmi bankovn\u00edmi \u010dinnostmi, zat\u00edmco jin\u00e9 pom\u00e1haj\u00ed s administrativn\u00edmi \u00fakoly nebo \u00fakoly zam\u011b\u0159en\u00fdmi na z\u00e1kazn\u00edky.<\/p>\n<p>&nbsp;<\/p>\n<p>Zde je dev\u011bt nejlep\u0161\u00edch p\u0159\u00edpad\u016f pou\u017eit\u00ed robotick\u00e9 automatizace proces\u016f v bankovnictv\u00ed a finan\u010dnictv\u00ed.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Nastup_zakazniku\"><\/span><strong>#1. N\u00e1stup z\u00e1kazn\u00edk\u016f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Onboarding z\u00e1kazn\u00edk\u016f je jedn\u00edm z nejlep\u0161\u00edch p\u0159\u00edpad\u016f vyu\u017eit\u00ed <a href=\"https:\/\/www.zaptest.com\/cs\/co-je-software-rpa-roboticka-automatizace-procesu\">RPA<\/a> v modern\u00ed bankovn\u00ed \u00e9\u0159e. S p\u0159\u00edchodem nebankovn\u00edch a FinTech spole\u010dnost\u00ed nastala nov\u00e1 \u00e9ra digit\u00e1ln\u00edho bankovnictv\u00ed. Zalo\u017een\u00ed nov\u00e9ho \u00fa\u010dtu na pobo\u010dce rychle vych\u00e1z\u00ed z m\u00f3dy. Modern\u00ed z\u00e1kazn\u00edci cht\u011bj\u00ed v\u0161e vy\u0159\u00eddit v aplikaci.<\/p>\n<p>P\u0159echod na vzd\u00e1len\u00e9 otev\u00edr\u00e1n\u00ed \u00fa\u010dt\u016f s sebou samoz\u0159ejm\u011b nese vlastn\u00ed probl\u00e9my. Z\u00e1kazn\u00edci mus\u00ed nahr\u00e1t dokumenty a doklady a nechat si zkontrolovat \u00fav\u011br. Nav\u00edc je t\u0159eba jejich informace nahr\u00e1t do syst\u00e9m\u016f banky.<\/p>\n<p><a href=\"https:\/\/www.zaptest.com\/cs\/10-procesu-aplikaci-a-operaci-ktere-rpa-roboticka-automatizace-procesu-zvladne-a-automatizuje\">RPA pom\u00e1h\u00e1 se v\u0161emi t\u011bmito procesy<\/a>, v\u010detn\u011b komunikace se z\u00e1kazn\u00edky, zpracov\u00e1n\u00ed dokument\u016f, ov\u011b\u0159ov\u00e1n\u00ed toto\u017enosti, kontroly kreditu, zad\u00e1v\u00e1n\u00ed dat, aktualizace \u00fa\u010dt\u016f a dal\u0161\u00edch. Je rychl\u00fd, \u0161k\u00e1lovateln\u00fd, n\u00e1kladov\u011b efektivn\u00ed a spl\u0148uje po\u017eadavky spot\u0159ebitel\u016f na samoobsluhu.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Zpracovani_zadosti_o_uver\"><\/span><strong>#2. Zpracov\u00e1n\u00ed \u017e\u00e1dost\u00ed o \u00fav\u011br<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Zpracov\u00e1n\u00ed \u017e\u00e1dost\u00ed o \u00fav\u011br je skv\u011bl\u00fdm p\u0159\u00edkladem RPA v bankovnictv\u00ed. Tyto procesy vy\u017eaduj\u00ed intenzivn\u00ed kontrolu dokumentace a \u00fadaj\u016f o z\u00e1kazn\u00edc\u00edch, aby se zm\u00edrnily ztr\u00e1ty. Tato d\u016fkladnost v\u0161ak mus\u00ed b\u00fdt vyv\u00e1\u017eena rychl\u00fdm rozhodov\u00e1n\u00edm, abyste si udr\u017eeli konkurenceschopnost.<\/p>\n<p>RPA pom\u00e1h\u00e1 pomoc\u00ed optick\u00e9ho rozpozn\u00e1v\u00e1n\u00ed znak\u016f (OCR) a <a href=\"https:\/\/www.zaptest.com\/cs\/inteligentni-automatizace-procesu-vs-rpa-rozdily-spolecne-rysy-nastroje-a-pruniky-prekryvy\">inteligentn\u00edho zpracov\u00e1n\u00ed dokument\u016f<\/a> (IDP) analyzovat dokumenty, extrahovat data a porovn\u00e1vat informace s intern\u00edmi dokumenty za \u00fa\u010delem schv\u00e1len\u00ed nebo zam\u00edtnut\u00ed p\u016fj\u010dek. RPA poskytuje kombinaci rychlosti a p\u0159esnosti, kterou spot\u0159ebitel\u00e9 od digit\u00e1ln\u00edho bankovnictv\u00ed o\u010dek\u00e1vaj\u00ed.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Automatizovana_zakaznicka_podpora\"><\/span><strong>#3. Automatizovan\u00e1 z\u00e1kaznick\u00e1 podpora<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>V n\u00e1vaznosti na trend samoobsluhy mus\u00ed banky naj\u00edt zp\u016fsob, jak sv\u00fdm z\u00e1kazn\u00edk\u016fm poskytovat rychlou, nep\u0159etr\u017eitou a v\u00edcekan\u00e1lovou podporu. RPA m\u016f\u017ee s t\u00edmto procesem pomoci n\u011bkolika r\u016fzn\u00fdmi zp\u016fsoby. Pro za\u010d\u00e1tek mohou boti z\u00e1kaznick\u00e9ho servisu poskytovat z\u00e1kazn\u00edk\u016fm sofistikovan\u00e9 a kontextov\u00e9 poradenstv\u00ed. M\u016f\u017ee to b\u00fdt n\u011bco tak jednoduch\u00e9ho, jako jsou odkazy na \u010dasto kladen\u00e9 dotazy nebo znalostn\u00ed datab\u00e1ze, nebo plnohodnotn\u00e9 konverzace s <a href=\"https:\/\/www.zaptest.com\/copilots-and-generative-ais-impact-in-rpa-and-software-testing-present-future\">podporou generativn\u00ed um\u011bl\u00e9 inteligence<\/a>.<\/p>\n<p>RPA boti nav\u00edc mohou pom\u00e1hat \u0159e\u0161it probl\u00e9my z\u00e1kazn\u00edk\u016f t\u00edm, \u017ee shroma\u017e\u010fuj\u00ed data a dokumentaci, p\u0159ed\u00e1vaj\u00ed tickety p\u0159\u00edslu\u0161n\u00fdm odd\u011blen\u00edm a zaji\u0161\u0165uj\u00ed automatick\u00fd kontakt s u\u017eivateli v pr\u016fb\u011bhu \u0159e\u0161en\u00ed probl\u00e9mu. Ve spojen\u00ed s um\u011blou inteligenc\u00ed a anal\u00fdzou dat mohou n\u00e1stroje RPA pomoci poskytovat personalizovan\u011bj\u0161\u00ed slu\u017eby, kter\u00e9 pom\u00e1haj\u00ed budovat d\u016fv\u011bru.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Generovani_zprav\"><\/span><strong>#4. Generov\u00e1n\u00ed zpr\u00e1v<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>RPA pro bankovnictv\u00ed pom\u00e1h\u00e1 uspokojit pot\u0159eby finan\u010dn\u00edch slu\u017eeb v oblasti tvorby zpr\u00e1v. D\u00edky propojen\u00ed s r\u016fzn\u00fdmi datab\u00e1zemi a tabulkami mohou zam\u011bstnanci pomoc\u00ed n\u00e1stroj\u016f RPA z\u00edsk\u00e1vat informace v re\u00e1ln\u00e9m \u010dase, co\u017e vede k aktu\u00e1ln\u00edm zpr\u00e1v\u00e1m, kter\u00e9 poskytuj\u00ed vysok\u00fd p\u0159ehled.<\/p>\n<p>Cel\u00fd \u017eivotn\u00ed cyklus tvorby zpr\u00e1v se s n\u00e1stroji RPA zrychluje, proto\u017ee pom\u00e1haj\u00ed automatizovat sb\u011br dat, agregovat informace, vytv\u00e1\u0159et zpr\u00e1vy a distribuovat v\u00fdsledn\u00fd produkt p\u0159\u00edslu\u0161n\u00fdm pir\u00e1t\u016fm.<\/p>\n<p>Reporty generovan\u00e9 pomoc\u00ed RPA jsou rychlej\u0161\u00ed, bezchybn\u00e9 a n\u00e1kladov\u011b efektivn\u00ed. Syst\u00e9my RPA lze nav\u00edc implementovat s ohledem na dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f, a pokud jsou spojeny s n\u00e1stroji um\u011bl\u00e9 inteligence, mohou tak\u00e9 pomoci s anal\u00fdzou a rozhodov\u00e1n\u00edm.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Odhalovani_podvodu\"><\/span><strong>#5. Odhalov\u00e1n\u00ed podvod\u016f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Existuje n\u011bkolik zp\u016fsob\u016f, jak m\u016f\u017ee RPA pomoci finan\u010dn\u00edm podnik\u016fm s odhalov\u00e1n\u00edm podvod\u016f. N\u00e1stroje RPA mohou shroma\u017e\u010fovat a agregovat data a usnadnit tak rozpozn\u00e1v\u00e1n\u00ed vzor\u016f. Lze jej tak\u00e9 pou\u017e\u00edt pro monitorov\u00e1n\u00ed v re\u00e1ln\u00e9m \u010dase, zas\u00edl\u00e1n\u00ed v\u00fdstrah a prov\u00e1d\u011bn\u00ed pravidel na z\u00e1klad\u011b ur\u010dit\u00fdch zji\u0161t\u011bn\u00ed nebo podm\u00ednek.<\/p>\n<p>Skute\u010dn\u00e1 s\u00edla RPA pro odhalov\u00e1n\u00ed podvod\u016f spo\u010d\u00edv\u00e1 v <a href=\"https:\/\/www.zaptest.com\/cs\/vliv-umele-inteligence-na-robotickou-automatizaci-procesu-komplexni-diskuse-o-konvergenci-umele-inteligence-a-rpa\">jej\u00ed integraci s um\u011blou inteligenc\u00ed<\/a> a zejm\u00e9na s algoritmy strojov\u00e9ho u\u010den\u00ed, kter\u00e9 dok\u00e1\u017e\u00ed analyzovat obrovsk\u00e9 mno\u017estv\u00ed dat a odhalovat anom\u00e1lie. Odtud mohou tito roboti RPA upozornit na p\u0159\u00edpady, kter\u00e9 maj\u00ed b\u00fdt p\u0159ezkoum\u00e1ny lidmi, co\u017e bank\u00e1m a finan\u010dn\u00edm instituc\u00edm umo\u017en\u00ed sn\u00ed\u017eit rizika a ztr\u00e1ty spojen\u00e9 s podvody.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Dodrzovani_predpisu\"><\/span><strong>#6. Dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f je v bankovn\u00edm a finan\u010dn\u00edm sektoru tak nal\u00e9hav\u00fdm probl\u00e9mem, \u017ee v posledn\u00edch letech vznikla cel\u00e1 \u0159ada technologi\u00ed, kter\u00e9 se t\u00edmto probl\u00e9mem zab\u00fdvaj\u00ed. <a href=\"https:\/\/www.computerweekly.com\/news\/366541692\/Annual-spend-on-regtech-to-reach-more-than-200bn-by-2028\">V\u00fddaje na<\/a> specializovan\u00e9 <a href=\"https:\/\/www.computerweekly.com\/news\/366541692\/Annual-spend-on-regtech-to-reach-more-than-200bn-by-2028\">regula\u010dn\u00ed technologie (RegTech) dos\u00e1hnou do roku 2028 200 miliard dolar\u016f<\/a>. RPA v\u0161ak m\u016f\u017ee mnoh\u00e9 z t\u011bchto probl\u00e9m\u016f vy\u0159e\u0161it.<\/p>\n<p>N\u00e1stroje RPA pro zaji\u0161t\u011bn\u00ed souladu s finan\u010dn\u00edmi p\u0159edpisy mohou pomoci se shroma\u017e\u010fov\u00e1n\u00edm dat pro v\u00fdkazy, p\u0159i\u010dem\u017e auditn\u00ed stopy jsou ide\u00e1ln\u00ed pro prok\u00e1z\u00e1n\u00ed transparentnosti. RPA je nav\u00edc skv\u011blou volbou pro spr\u00e1vu a anonymizaci dat, ov\u011b\u0159ov\u00e1n\u00ed a obecnou kybernetickou bezpe\u010dnost.<\/p>\n<p>Celkov\u011b je pln\u011bn\u00ed po\u017eadavk\u016f p\u0159edpis\u016f n\u00e1kladn\u00e9 a \u010dasov\u011b n\u00e1ro\u010dn\u00e9. N\u00e1stroje RPA umo\u017e\u0148uj\u00ed t\u00fdm\u016fm sn\u00ed\u017eit z\u00e1t\u011b\u017e jejich t\u00fdmu t\u00edm, \u017ee automatizuj\u00ed opakuj\u00edc\u00ed se \u00fakoly KYC a AML. Je to jako stvo\u0159en\u00e9 pro nebe.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Zpracovani_plateb\"><\/span><strong>#7. Zpracov\u00e1n\u00ed plateb<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Stejn\u011b jako RPA v \u00fa\u010detnictv\u00ed mohou organizace poskytuj\u00edc\u00ed finan\u010dn\u00ed slu\u017eby automatizovat mnoho ka\u017edodenn\u00edch platebn\u00edch a p\u0159evodn\u00edch transakc\u00ed, a zajistit tak jejich rychl\u00e9 a bezchybn\u00e9 proveden\u00ed. <a href=\"https:\/\/www.zaptest.com\/cs\/technologie-rpa-prehled-minulosti-soucasnosti-a-budoucnosti\">RPA<\/a> um\u00ed automatizovat velkoobjemov\u00e9 a opakuj\u00edc\u00ed se \u00falohy a zpracov\u00e1n\u00ed plateb do t\u011bchto parametr\u016f zcela jist\u011b spad\u00e1.<\/p>\n<p>N\u00e1stroje RPA mohou iniciovat platby, d\u00e1vat pokyny softwaru pro zpracov\u00e1n\u00ed plateb, odes\u00edlat data pro odsouhlasen\u00ed a dokonce \u0159e\u0161it spory se z\u00e1kazn\u00edky. Op\u011bt jde o p\u0159esnost, efektivitu a omezen\u00ed lidsk\u00fdch chyb. P\u0159i spr\u00e1vn\u00e9m nastaven\u00ed mohou platby tak\u00e9 pomoci splnit normy pro dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f a z\u00e1rove\u0148 umo\u017enit roz\u0161i\u0159uj\u00edc\u00edmu se podnik\u00e1n\u00ed v oblasti finan\u010dn\u00edch slu\u017eeb snadn\u00e9 \u0161k\u00e1lov\u00e1n\u00ed.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Automaticke_uzavreni_uctu\"><\/span><strong>#8. Automatick\u00e9 uzav\u0159en\u00ed \u00fa\u010dtu<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>\u017d\u00e1dn\u00e1 banka ani finan\u010dn\u00ed instituce nem\u00e1 r\u00e1da, kdy\u017e j\u00ed z\u00e1kazn\u00edk odch\u00e1z\u00ed, a to z\u010d\u00e1sti i kv\u016fli dal\u0161\u00ed administrativ\u011b, kter\u00e1 t\u00edm vznik\u00e1. N\u00e1stroje RPA v\u0161ak mohou tento proces zefektivnit, zefektivnit n\u00e1klady a zajistit soulad s p\u0159edpisy. Banky mohou pomoc\u00ed RPA shroma\u017e\u010fovat informace o z\u00e1kazn\u00edc\u00edch z r\u016fzn\u00fdch zdroj\u016f a napl\u00e1novat ov\u011b\u0159en\u00ed \u00fa\u010dtu kontrolou z\u016fstatk\u016f, dokument\u016f a stavu \u00fa\u010dtu.<\/p>\n<p>Uzav\u0159en\u00ed \u00fa\u010dtu \u010dasto vy\u017eaduje p\u0159evody finan\u010dn\u00edch prost\u0159edk\u016f na nov\u00e1 m\u00edsta ur\u010den\u00ed a ozn\u00e1men\u00ed t\u0159et\u00edm stran\u00e1m. RPA m\u00e1 op\u011bt dobr\u00e9 p\u0159edpoklady pro automatizaci t\u011bchto \u00fakol\u016f. Podniky poskytuj\u00edc\u00ed finan\u010dn\u00ed slu\u017eby mohou tak\u00e9 vytv\u00e1\u0159et p\u0159\u00edslu\u0161nou dokumentaci a dokumenty a aktualizovat datab\u00e1ze z\u00e1kazn\u00edk\u016f tak, aby odr\u00e1\u017eely ve\u0161ker\u00e9 zm\u011bny.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Rizeni_zamestnancu\"><\/span><strong>#9. \u0158\u00edzen\u00ed zam\u011bstnanc\u016f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Finan\u010dn\u00ed slu\u017eby vyu\u017e\u00edvaj\u00ed <a href=\"https:\/\/www.zaptest.com\/cs\/roboticka-automatizace-procesu-rpa-v-oblasti-lidskych-zdroju-rpa-pripadove-studie-priklady-prinosy-a-vyzvy-v-oblasti-lidskych-zdroju\">n\u00e1stroje RPA pro \u0161irokou \u0161k\u00e1lu \u00fakol\u016f souvisej\u00edc\u00edch s lidsk\u00fdmi zdroji<\/a>, od automatizace spr\u00e1vy v\u00fddaj\u016f a\u017e po n\u00e1stup zam\u011bstnanc\u016f a hodnocen\u00ed v\u00fdkonnosti. Finan\u010dn\u00ed instituce jsou pod tlakem na zefektivn\u011bn\u00ed slu\u017eeb a sn\u00ed\u017een\u00ed n\u00e1klad\u016f, a proto je RPA elegantn\u00edm \u0159e\u0161en\u00edm, jak sn\u00ed\u017eit n\u00e1klady spojen\u00e9 s \u0159\u00edzen\u00edm zam\u011bstnanc\u016f.<\/p>\n<p>RPA pom\u00e1h\u00e1 t\u00fdm\u016fm automatizovat mzdy, benefity a spravovat nemocenskou, a to v\u0161e p\u0159i dodr\u017een\u00ed po\u017eadovan\u00fdch norem a poskytnut\u00ed rychl\u00e9 samoobslu\u017en\u00e9 mo\u017enosti zam\u011bstnanc\u016fm. V\u00fdhodou je v\u011bt\u0161\u00ed spokojenost a loajalita zam\u011bstnanc\u016f.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Pripadove_studie_RPA_ve_financnich_sluzbach\"><\/span><strong>P\u0159\u00edpadov\u00e9 studie RPA ve finan\u010dn\u00edch slu\u017eb\u00e1ch<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img data-dominant-color=\"37302c\" data-has-transparency=\"false\" style=\"--dominant-color: #37302c;\" decoding=\"async\" class=\"aligncenter size-full wp-image-66878 not-transparent\" src=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/09\/unit-testing-jpg.webp\" alt=\"testov\u00e1n\u00ed jednotek a faktory ovliv\u0148uj\u00edc\u00ed RPA v oblasti financ\u00ed a bankovnictv\u00ed\" width=\"290\" height=\"359\" srcset=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/09\/unit-testing-jpg.webp 290w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/09\/unit-testing-242x300.webp 242w\" sizes=\"(max-width: 290px) 100vw, 290px\" \/><\/p>\n<p>Jedna v\u011bc je samoz\u0159ejm\u011b sly\u0161et o p\u0159\u00edpadech vyu\u017eit\u00ed RPA v oblasti financ\u00ed a bankovnictv\u00ed, ale nejp\u0159esv\u011bd\u010div\u011bj\u0161\u00edm zp\u016fsobem, jak zm\u011b\u0159it dopad RPA, je pochopit, jak byla tato technologie v tomto odv\u011btv\u00ed pou\u017eita a jak\u00e9 hmatateln\u00e9 p\u0159\u00ednosy pro organizace p\u0159inesla.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Pripadova_studie_c_1_Eliminace_lidskych_chyb\"><\/span><strong>P\u0159\u00edpadov\u00e1 studie \u010d. 1: Eliminace lidsk\u00fdch chyb<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Glob\u00e1ln\u00ed spole\u010dnost poskytuj\u00edc\u00ed finan\u010dn\u00ed slu\u017eby s t\u00e9m\u011b\u0159 240 000 zam\u011bstnanci ve v\u00edce ne\u017e 150 zem\u00edch nal\u00e9hav\u011b pot\u0159ebovala zefektivnit sv\u00e9 pracovn\u00ed postupy a omezit lidsk\u00e9 chyby spojen\u00e9 s manu\u00e1ln\u00edmi \u00fakoly. Jedn\u00edm z probl\u00e9m\u016f, se kter\u00fdmi se museli vypo\u0159\u00e1dat, byla r\u016fznorod\u00e1 kombinace slu\u017eeb, kter\u00e9 nab\u00edzeli, v\u010detn\u011b auditu, da\u0148ov\u00e9ho poradenstv\u00ed, lidsk\u00fdch zdroj\u016f, kybernetick\u00e9 bezpe\u010dnosti a spr\u00e1vy transakc\u00ed.<\/p>\n<p>Existovaly v\u0161ak i dal\u0161\u00ed parametry. Spole\u010dnost necht\u011bla p\u0159epracov\u00e1vat sv\u016fj st\u00e1vaj\u00edc\u00ed IT syst\u00e9m ani p\u0159\u00edli\u0161 naru\u0161ovat kontinuitu provozu.<\/p>\n<p>Podnik shrom\u00e1\u017edil r\u016fzn\u00e9 zainteresovan\u00e9 strany a pracovn\u00edky IT v r\u00e1mci organizace a vytvo\u0159il multifunk\u010dn\u00ed t\u00fdm, kter\u00fd shrom\u00e1\u017edil po\u017eadavky a identifikoval pracovn\u00ed postupy a obchodn\u00ed procesy, kter\u00e9 by mohl automatizovat. Identifikovali opakuj\u00edc\u00ed se \u00fakoly s vysokou m\u00edrou lidsk\u00fdch chyb a stanovili \u010dty\u0159i kl\u00ed\u010dov\u00e9 ukazatele v\u00fdkonnosti pro projekt, v\u010detn\u011b rychlosti, kvality dat, autonomie a dopadu na produkt.<\/p>\n<p>Implementace trvala p\u0159ibli\u017en\u011b t\u0159i m\u011bs\u00edce a na jej\u00edm konci t\u00fdm vytvo\u0159il RPA bota, kter\u00fd t\u0159ikr\u00e1t denn\u011b vym\u011b\u0148oval data nap\u0159\u00ed\u010d nes\u010detn\u00fdmi syst\u00e9my. Projekt u\u0161et\u0159il 100 000 pracovn\u00edch hodin ro\u010dn\u011b a 800 milion\u016f dolar\u016f a z\u00e1rove\u0148 sn\u00ed\u017eil probl\u00e9my zp\u016fsoben\u00e9 lidsk\u00fdmi chybami.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Pripadova_studie_c_2_Zrychleni_zpracovani_uveru\"><\/span><strong>P\u0159\u00edpadov\u00e1 studie \u010d. 2: Zrychlen\u00ed zpracov\u00e1n\u00ed \u00fav\u011br\u016f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>V\u00fdznamn\u00e1 americk\u00e1 banka obdr\u017eela m\u011bs\u00ed\u010dn\u011b v\u00edce ne\u017e 10 000 \u017e\u00e1dost\u00ed o \u00fav\u011br. Zpracov\u00e1n\u00ed t\u011bchto \u00fav\u011br\u016f si vy\u017e\u00e1dalo pr\u00e1ci 50 zam\u011bstnanc\u016f, p\u0159i\u010dem\u017e tento proces zahrnoval p\u0159ezkoum\u00e1n\u00ed \u017e\u00e1dost\u00ed o \u00fav\u011br, shrom\u00e1\u017ed\u011bn\u00ed a ov\u011b\u0159en\u00ed \u00fadaj\u016f o z\u00e1kazn\u00edkovi a nakonec p\u0159ijet\u00ed nebo zam\u00edtnut\u00ed \u00fav\u011bru. Kv\u016fli z\u00e1vislosti banky na star\u0161\u00edm softwarov\u00e9m syst\u00e9mu v\u0161ak bylo nutn\u00e9 \u0159e\u0161it dal\u0161\u00ed slo\u017eitost.<\/p>\n<p>Po pe\u010dliv\u00e9m pl\u00e1nov\u00e1n\u00ed banka vyu\u017eila RPA k automatizaci cel\u00e9ho \u00fav\u011brov\u00e9ho procesu. N\u00e1stroje RPA na\u010d\u00edtaly a extrahovaly data ze \u017e\u00e1dost\u00ed a ov\u011b\u0159ovaly je na z\u00e1klad\u011b \u00fav\u011brov\u00fdch politik banky a p\u0159\u00edslu\u0161n\u00e9ho regula\u010dn\u00edho r\u00e1mce. Na z\u00e1klad\u011b toho by syst\u00e9m mohl rozhodnout o vhodnosti p\u016fj\u010dky.<\/p>\n<p>Zaveden\u00edm \u0159e\u0161en\u00ed RPA banka v\u00fdrazn\u011b zv\u00fd\u0161ila p\u0159esnost i rychlost zpracov\u00e1n\u00ed \u00fav\u011br\u016f. Zpracov\u00e1n\u00ed \u017e\u00e1dost\u00ed se zkr\u00e1tilo o 80 % a zcela se sn\u00ed\u017eil po\u010det chyb zp\u016fsoben\u00fdch lidsk\u00fdm faktorem. Zv\u00fd\u0161en\u00e1 efektivita sn\u00ed\u017eila lidskou pr\u00e1ci o 70 % a z\u00e1rove\u0148 zajistila, \u017ee banka dodr\u017euje p\u0159edpisy.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Pripadova_studie_c_3_Splneni_regulacni_zateze\"><\/span><strong>P\u0159\u00edpadov\u00e1 studie \u010d. 3: Spln\u011bn\u00ed regula\u010dn\u00ed z\u00e1t\u011b\u017ee<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Nadn\u00e1rodn\u00ed banka se s\u00eddlem ve Spojen\u00e9m kr\u00e1lovstv\u00ed \u010delila regulatorn\u00edmu tlaku, aby nahradila jeden ze sv\u00fdch produkt\u016f. M\u011bly star\u0161\u00ed kreditn\u00ed karty, kter\u00e9 z\u00e1kazn\u00edk\u016fm p\u0159in\u00e1\u0161ely body a odm\u011bny. P\u0159echod na nov\u00fd model, kter\u00fd vy\u017eadoval v\u00fdb\u011br nov\u00fdch produkt\u016f u 1,4 milionu z\u00e1kazn\u00edk\u016f, v\u0161ak nebylo mo\u017en\u00e9 zvl\u00e1dnout ru\u010dn\u011b.<\/p>\n<p>Procesy, kter\u00e9 bylo t\u0159eba automatizovat, zahrnovaly zas\u00edl\u00e1n\u00ed sd\u011blen\u00ed z\u00e1kazn\u00edk\u016fm o zm\u011bn\u00e1ch, zpracov\u00e1n\u00ed rozhodnut\u00ed z\u00e1kazn\u00edk\u016f, aktualizaci \u00fadaj\u016f v syst\u00e9mech spole\u010dnosti a zaznamen\u00e1v\u00e1n\u00ed zm\u011bn, aby byly spln\u011bny po\u017eadavky auditu. P\u0159ek\u00e1\u017eky, kter\u00e9 bylo t\u0159eba p\u0159ekonat, v\u0161ak byly \u010dasov\u011b a rozpo\u010dtov\u011b omezen\u00e9.<\/p>\n<p>Banka zavedla backendovou datab\u00e1zi SQL pro syst\u00e9m CRM a vytvo\u0159ila datab\u00e1zi, kter\u00e1 by mohla pokr\u00fdt v\u0161echny sc\u00e9n\u00e1\u0159e, kter\u00e9 by mohly pomoci p\u0159i rozhodov\u00e1n\u00ed. Krom\u011b toho automatizovali kroky p\u0159i p\u0159ep\u00edn\u00e1n\u00ed produkt\u016f, v\u010detn\u011b komunikace a zp\u011btn\u00e9 vazby. Nakonec vytvo\u0159ili port\u00e1l spr\u00e1vce, kter\u00fd se star\u00e1 o vyhled\u00e1v\u00e1n\u00ed zpr\u00e1v.<\/p>\n<p>Kone\u010dn\u00e9 v\u00fdsledky zahrnovaly \u00fasporu 1,2 milionu liber ro\u010dn\u011b, \u00fasporu n\u00e1klad\u016f na zam\u011bstn\u00e1n\u00ed 18 zam\u011bstnanc\u016f na pln\u00fd \u00favazek, zv\u00fd\u0161en\u00ed p\u0159esnosti na 100 % a spln\u011bn\u00ed regula\u010dn\u00edch po\u017eadavk\u016f.<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Vyzvy_kterym_celi_roboticke_procesy\"><\/span><strong>V\u00fdzvy, kter\u00fdm \u010del\u00ed robotick\u00e9 procesy  <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Automatizace_v_bankovnim_a_financnim_sektoru\"><\/span><strong>Automatizace v bankovn\u00edm a finan\u010dn\u00edm sektoru<\/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=\"693\" height=\"462\"><\/p>\n<p>Zaveden\u00ed automatizace pro bankovn\u00ed a finan\u010dn\u00ed t\u00fdmy je spojeno s n\u011bkter\u00fdmi specifick\u00fdmi v\u00fdzvami vypl\u00fdvaj\u00edc\u00edmi z kultury a pracovn\u00edch postup\u016f v obou sektorech.<\/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>&nbsp;<\/p>\n<p>Finan\u010dn\u00ed sektor m\u00e1 zaslou\u017eenou pov\u011bst sentiment\u00e1ln\u00edho odv\u011btv\u00ed, pokud jde o IT technologie. <a href=\"https:\/\/fortune.com\/2023\/09\/26\/github-ceo-wall-street-relies-software-developed-ai-next-financial-crisis-thomas-dohmke\/\">Je\u0161t\u011b <\/a>na za\u010d\u00e1tku roku 2020 pou\u017e\u00edvalo v\u00edce ne\u017e <a href=\"https:\/\/fortune.com\/2023\/09\/26\/github-ceo-wall-street-relies-software-developed-ai-next-financial-crisis-thomas-dohmke\/\">40 % velk\u00fdch americk\u00fdch finan\u010dn\u00edch instituc\u00ed software postaven\u00fd na <\/a>programovac\u00edm jazyce <a href=\"https:\/\/fortune.com\/2023\/09\/26\/github-ceo-wall-street-relies-software-developed-ai-next-financial-crisis-thomas-dohmke\/\">COBOL (Common Business Oriented Language <\/a>), kter\u00fd byl vynalezen v roce 1959. Nav\u00edc mnoho podnik\u016f st\u00e1le pou\u017e\u00edv\u00e1 ke zpracov\u00e1n\u00ed dat s\u00e1lov\u00e9 po\u010d\u00edta\u010de.<\/p>\n<p>RPA je \u00fa\u010dinn\u00fd n\u00e1stroj, kter\u00fd pom\u00e1h\u00e1 integrovat star\u0161\u00ed syst\u00e9my s modern\u00edmi cloudov\u00fdmi aplikacemi a rozhran\u00edmi API. Lze ji tak\u00e9 pou\u017e\u00edt k migraci dat z t\u011bchto zastaral\u00fdch syst\u00e9m\u016f a sn\u00ed\u017eit n\u00e1klady na \u00fadr\u017ebu souvisej\u00edc\u00ed se star\u0161\u00edmi technologiemi.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Standardizace_procesu\"><\/span><strong>#2. Standardizace proces\u016f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>V z\u00e1vislosti na kultu\u0159e, zam\u011bstnanc\u00edch a vysok\u00e9 koncentraci star\u0161\u00edch syst\u00e9m\u016f v r\u00e1mci firemn\u00ed architektury budou m\u00edt finan\u010dn\u00ed instituce sv\u00e9 vlastn\u00ed pracovn\u00ed postupy a procesy, \u010dasto nap\u0159\u00ed\u010d r\u016fzn\u00fdmi odd\u011blen\u00edmi. Pokusy o zaveden\u00ed \u0159e\u0161en\u00ed RPA budou vy\u017eadovat spolupr\u00e1ci nap\u0159\u00ed\u010d odd\u011blen\u00edmi a standardizaci proces\u016f.<\/p>\n<p>Standardizace proces\u016f je v mnoha ohledech jen sou\u010d\u00e1st\u00ed zvy\u0161ov\u00e1n\u00ed efektivity. Pokud dv\u011b odd\u011blen\u00ed nebo \u010dlenov\u00e9 t\u00fdmu d\u011blaj\u00ed stejnou v\u011bc naprosto odli\u0161n\u00fdmi zp\u016fsoby, bude jedno z nich m\u00e9n\u011b efektivn\u00ed ne\u017e druh\u00e9 z hlediska vyu\u017eit\u00ed \u010dasu nebo zdroj\u016f. Standardizace proces\u016f znamen\u00e1, \u017ee organizace mohou vyu\u017e\u00edt v\u00fdhod \u0159e\u0161en\u00ed RPA.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Mytus_o_stribrne_kulce\"><\/span><strong>#3. M\u00fdtus o st\u0159\u00edbrn\u00e9 kulce<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Spole\u010dnost Deloitte nazna\u010duje, \u017ee existuje nebezpe\u010d\u00ed, \u017ee finan\u010dn\u00ed organizace uv\u011b\u0159\u00ed, \u017ee kognitivn\u00ed RPA bude <a href=\"https:\/\/www2.deloitte.com\/content\/dam\/Deloitte\/us\/Documents\/process-and-operations\/us-cons-automation-driven-transformation.pdf\">&#8222;st\u0159\u00edbrnou kulkou <\/a>&#8222;, kterou lze &#8222;aplikovat na z\u00e1sadn\u011b nefunk\u010dn\u00ed proces s o\u010dek\u00e1v\u00e1n\u00edm, \u017ee se oprav\u00ed s\u00e1m&#8220;.<\/p>\n<p>Implementace jak\u00e9hokoli syst\u00e9mu RPA ve skute\u010dnosti vy\u017eaduje pe\u010dliv\u00e9 shroma\u017e\u010fov\u00e1n\u00ed po\u017eadavk\u016f a pl\u00e1nov\u00e1n\u00ed. Konzultace s odborn\u00edkem na RPA m\u016f\u017ee vy\u0159e\u0161it mnoho probl\u00e9m\u016f spojen\u00fdch se zav\u00e1d\u011bn\u00edm t\u00e9to technologie do ji\u017e tak slo\u017eit\u00e9ho ekosyst\u00e9mu.<\/p>\n<h3><\/h3>\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>&nbsp;<\/p>\n<p>Finan\u010dn\u00ed slu\u017eby jsou jedn\u00edm z nejp\u0159\u00edsn\u011bji regulovan\u00fdch odv\u011btv\u00ed s pravidly t\u00fdkaj\u00edc\u00edmi se nakl\u00e1d\u00e1n\u00ed s citliv\u00fdmi \u00fadaji a dokonce i rizik. Jak\u00e1koli \u0159e\u0161en\u00ed RPA se proto budou muset vej\u00edt do t\u011bchto omezen\u00ed a zajistit soulad s p\u0159edpisy.<\/p>\n<p>RPA je pro tyto sc\u00e9n\u00e1\u0159e vhodn\u00fdm kandid\u00e1tem, proto\u017ee pro ka\u017ed\u00fd proces existuj\u00ed z\u00e1znamy, co\u017e je pro finan\u010dn\u00ed audity z\u00e1sadn\u00ed. Nav\u00edc, zat\u00edmco se p\u0159edpisy neust\u00e1le m\u011bn\u00ed a aktualizuj\u00ed, RPA nab\u00edz\u00ed flexibilitu, d\u00edky n\u00ed\u017e se lze nov\u00fdm pravidl\u016fm p\u0159izp\u016fsobit. Automatizace m\u016f\u017ee pomoci zajistit, \u017ee citliv\u00e9 finan\u010dn\u00ed a osobn\u00ed \u00fadaje nebudou p\u0159\u00edstupn\u00e9 lidsk\u00fdm o\u010d\u00edm, a poskytnout tak dal\u0161\u00ed \u00farove\u0148 zabezpe\u010den\u00ed.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Nedostatek_dovednosti\"><\/span><strong>#5. Nedostatek dovednost\u00ed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Nedostatek kvalifikovan\u00fdch pracovn\u00edk\u016f v oblasti IT se v posledn\u00edch letech projevuje i v odv\u011btv\u00ed finan\u010dn\u00edch slu\u017eeb. Implementace \u0159e\u0161en\u00ed RPA je proto obt\u00ed\u017en\u00e1 bez zku\u0161enost\u00ed a odborn\u00fdch znalost\u00ed IT specialist\u016f.<\/p>\n<p>\u00dasp\u011b\u0161n\u00e9 zaveden\u00ed RPA vy\u017eaduje hlubok\u00e9 porozum\u011bn\u00ed t\u00e9to technologii, v\u010detn\u011b jej\u00edho potenci\u00e1lu a omezen\u00ed. U\u017eivatel\u00e9 <a href=\"https:\/\/www.zaptest.com\/cs\">ZAPTEST<\/a> Enterprise mohou vyu\u017e\u00edt slu\u017eeb specializovan\u00e9ho experta ZAP, kter\u00fd s nimi m\u016f\u017ee \u00fazce spolupracovat na pochopen\u00ed po\u017eadavk\u016f a pomoci jim implementovat \u0159e\u0161en\u00ed RPA na z\u00e1klad\u011b osv\u011bd\u010den\u00fdch postup\u016f v oboru. Tento dopln\u011bk m\u016f\u017ee t\u00fdm\u016fm pomoci p\u0159ekonat relativn\u00ed nedostatek specialist\u016f na RPA.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Trendy_v_oblasti_RPA_v_bankovnictvi\"><\/span><strong>Trendy v oblasti RPA v bankovnictv\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 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 v oblasti rpa\" width=\"493\" height=\"328\" 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: 493px) 100vw, 493px\" \/><\/p>\n<p>Odv\u011btv\u00ed finan\u010dn\u00edch slu\u017eeb rychle reaguje na m\u011bn\u00edc\u00ed se po\u017eadavky spot\u0159ebitel\u016f a regula\u010dn\u00edch org\u00e1n\u016f. Prozkoumejme n\u011bkter\u00e9 trendy RPA v oblasti financ\u00ed a bankovnictv\u00ed.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Inteligentni_automatizace\"><\/span><strong>#1. Inteligentn\u00ed automatizace<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.zaptest.com\/cs\/inteligentni-automatizace-procesu-vs-rpa-rozdily-spolecne-rysy-nastroje-a-pruniky-prekryvy\">Inteligentn\u00ed automatizace<\/a> (IA) zahrnuje pou\u017eit\u00ed jin\u00fdch typ\u016f um\u011bl\u00e9 inteligence ve spojen\u00ed s n\u00e1stroji RPA. Mezi tyto technologie pat\u0159\u00ed inteligentn\u00ed zpracov\u00e1n\u00ed dokument\u016f (IDP) a strojov\u00e9 u\u010den\u00ed.<\/p>\n<p>P\u0159id\u00e1n\u00ed t\u011bchto n\u00e1stroj\u016f p\u0159ekon\u00e1v\u00e1 p\u0159irozen\u00e1 omezen\u00ed RPA p\u0159i pr\u00e1ci s nestrukturovan\u00fdmi daty a mo\u017enostmi rozhodov\u00e1n\u00ed. V\u00fdsledkem je, \u017ee se zvy\u0161uje rozsah automatizovateln\u00fdch \u00fakol\u016f, co\u017e finan\u010dn\u00edm instituc\u00edm umo\u017e\u0148uje d\u011blat v\u00edce.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_RPA_v_cloudu\"><\/span><strong>#2. RPA v cloudu<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Zat\u00edmco prvn\u00ed syst\u00e9my RPA byly obvykle on-prem, v posledn\u00edch n\u011bkolika letech do\u0161lo k v\u00fdrazn\u00e9mu posunu sm\u011brem ke cloudov\u00fdm n\u00e1stroj\u016fm. Tento p\u0159echod m\u00e1 mnoho v\u00fdhod, v\u010detn\u011b bezpe\u010dn\u00e9ho vzd\u00e1len\u00e9ho p\u0159\u00edstupu pro distribuovan\u00e9 t\u00fdmy.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Generativni_umela_inteligence\"><\/span><strong>#3. Generativn\u00ed um\u011bl\u00e1 inteligence<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Generativn\u00ed um\u011bl\u00e1 inteligence m\u00e1 vliv na celou \u0159adu odv\u011btv\u00ed, p\u0159i\u010dem\u017e bankovnictv\u00ed a finan\u010dnictv\u00ed se v tomto ohledu nijak neli\u0161\u00ed. Existuje mnoho r\u016fzn\u00fdch p\u0159\u00edpad\u016f pou\u017eit\u00ed, v\u010detn\u011b chatbot\u016f pro asistenty z\u00e1kazn\u00edk\u016f, vytv\u00e1\u0159en\u00ed obsahu a generov\u00e1n\u00ed zpr\u00e1v. Banky a finan\u010dn\u00ed slu\u017eby mohou tak\u00e9 vytv\u00e1\u0159et vlastn\u00ed intern\u00ed um\u011bl\u00e9 inteligence, aby se vypo\u0159\u00e1daly s p\u0159edpisy t\u00fdkaj\u00edc\u00edmi se finan\u010dn\u00edch a osobn\u00edch \u00fadaj\u016f.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Asistovana_RPA\"><\/span><strong>#4. Asistovan\u00e1 RPA<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Zat\u00edmco neasistovan\u00e1 RPA je st\u00e1le nejobl\u00edben\u011bj\u0161\u00edm druhem automatizace pou\u017e\u00edvan\u00fdm v podnikov\u00e9m sv\u011bt\u011b, asistovan\u00e1 RPA nab\u00fdv\u00e1 na v\u00fdznamu. Tyto n\u00e1stroje se hladce spoj\u00ed s pracovn\u00edm postupem zam\u011bstnance. Z\u00e1stupce z\u00e1kaznick\u00e9ho servisu by nap\u0159\u00edklad mohl automatizovat vyhled\u00e1v\u00e1n\u00ed dat nebo zpracov\u00e1n\u00ed \u00fakol\u016f za chodu, co\u017e by vedlo k mnohem vy\u0161\u0161\u00ed produktivit\u011b a v kone\u010dn\u00e9m d\u016fsledku ke spokojen\u011bj\u0161\u00edm z\u00e1kazn\u00edk\u016fm.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Budoucnost_automatizace_v_bankovnictvi\"><\/span><strong>Budoucnost automatizace v bankovnictv\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=\"628\" height=\"353\"><\/p>\n<p>Robotick\u00e1 automatizace proces\u016f v oblasti financ\u00ed a bankovnictv\u00ed je dob\u0159e zaveden\u00e1. M\u00e1 v\u0161ak spoustu prostoru pro zaj\u00edmav\u00fd a inovativn\u00ed rozvoj.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Hyperautomatizace\"><\/span><strong>#1. Hyperautomatizace<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Anal\u00fdza dat, um\u011bl\u00e1 inteligence, zpracov\u00e1n\u00ed p\u0159irozen\u00e9ho jazyka (NLP) a RPA se spoj\u00ed a vytvo\u0159\u00ed bankovn\u00ed a finan\u010dn\u00ed syst\u00e9my, kter\u00e9 automatizuj\u00ed v\u0161e mo\u017en\u00e9, od back-end proces\u016f a\u017e po front-end pracovn\u00ed postupy. Tento futuristick\u00fd c\u00edl se naz\u00fdv\u00e1 <a href=\"https:\/\/www.zaptest.com\/hyperautomation\">Hyperautomation<\/a>.<\/p>\n<p>Hyperautomatizace se v bankovn\u00edm sektoru m\u016f\u017ee ub\u00edrat n\u011bkolika sm\u011bry. Krom\u011b robotick\u00e9 automatizace proces\u016f v oblasti financ\u00ed a \u00fa\u010detnictv\u00ed bychom se mohli do\u010dkat spolupr\u00e1ce \u010dlov\u011bka a po\u010d\u00edta\u010de na vy\u0161\u0161\u00ed \u00farovni, kdy by strojov\u00e9 u\u010den\u00ed a analytika doporu\u010dovaly rozhodnut\u00ed ke schv\u00e1len\u00ed \u010dlov\u011bku.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Vysoce_personalizovany_design_aplikaci_bez_kodu\"><\/span><strong>#2. Vysoce personalizovan\u00fd design aplikac\u00ed bez k\u00f3du<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>N\u00e1vrh aplikac\u00ed v bankovnictv\u00ed je slo\u017eit\u00fd. Do zna\u010dn\u00e9 m\u00edry to souvis\u00ed s p\u0159\u00edsn\u00fdmi z\u00e1kony upravuj\u00edc\u00edmi finan\u010dn\u00ed a osobn\u00ed \u00fadaje. D\u00edky n\u00e1stroj\u016fm RPA s um\u011blou inteligenc\u00ed a rozhran\u00edm API se v\u0161ak v t\u00e9to oblasti objev\u00ed aplikace bez k\u00f3dov\u00e1n\u00ed. <a href=\"https:\/\/www.zaptest.com\/cs\/kompletni-pruvodce-automatizaci-testovani-softwaru\">Automatizace testov\u00e1n\u00ed softwaru<\/a> bude velkou sou\u010d\u00e1st\u00ed zaji\u0161t\u011bn\u00ed integrity i bezpe\u010dnosti tohoto softwaru, kter\u00fd lze p\u0159izp\u016fsobit individu\u00e1ln\u00edm pracovn\u00edm postup\u016fm nebo firemn\u00ed kultu\u0159e.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Prediktivni_odhalovani_podvodu\"><\/span><strong>#3. Prediktivn\u00ed odhalov\u00e1n\u00ed podvod\u016f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Odhalov\u00e1n\u00ed podvod\u016f je pro finan\u010dn\u00ed instituce velk\u00fdm probl\u00e9mem. Ve Spojen\u00e9m kr\u00e1lovstv\u00ed st\u00e1ly podvody v roce 2022 banky p\u0159ibli\u017en\u011b 1,2 miliardy liber. N\u00e1stroje strojov\u00e9ho u\u010den\u00ed se ji\u017e pou\u017e\u00edvaj\u00ed prost\u0159ednictv\u00edm RPA ve financ\u00edch a \u00fa\u010detnictv\u00ed a jsou schopn\u00e9 odhalovat podvody. V budoucnu by v\u0161ak dostate\u010dn\u011b dob\u0159e vy\u0161kolen\u00e9 ML algoritmy mohly p\u0159edpov\u00eddat pravd\u011bpodobnost podvodu v okam\u017eiku pod\u00e1n\u00ed \u017e\u00e1dosti nebo na z\u00e1klad\u011b ur\u010dit\u00e9ho souboru krok\u016f. D\u016fsledky \u00faspory n\u00e1klad\u016f jsou obrovsk\u00e9.<\/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>&nbsp;<\/p>\n<p>Robotick\u00e1 automatizace proces\u016f v bankovnictv\u00ed a finan\u010dnictv\u00ed je rychle se rozv\u00edjej\u00edc\u00ed a vzru\u0161uj\u00edc\u00ed oblast. Modernizace a rostouc\u00ed technologick\u00e1 vysp\u011blost v sektoru finan\u010dn\u00edch slu\u017eeb znamen\u00e1, \u017ee bankovn\u00ed RPA nen\u00ed jen p\u0159\u00edjemnou z\u00e1le\u017eitost\u00ed, ale m\u00e1 z\u00e1sadn\u00ed v\u00fdznam pro soupe\u0159en\u00ed s konkurenty.<\/p>\n<p>Vyu\u017eit\u00ed robotick\u00e9 automatizace proces\u016f v oblasti financ\u00ed a bankovnictv\u00ed zvy\u0161uje efektivitu a dodr\u017eov\u00e1n\u00ed norem a \u0161et\u0159\u00ed pen\u00edze. Vzhledem k tomu, \u017ee se banky v\u00edce zam\u011b\u0159uj\u00ed na z\u00e1kazn\u00edky, automatizace financ\u00ed pom\u016f\u017ee zajistit lep\u0161\u00ed z\u00e1kaznickou zku\u0161enost a v\u011bt\u0161\u00ed personalizaci, zejm\u00e9na v kombinaci s n\u00e1stroji um\u011bl\u00e9 inteligence. Zefektivn\u011bn\u00ed provozu p\u0159enese \u00faspory na u\u017eivatele a nov\u00e9 inovativn\u00ed produkty uspokoj\u00ed popt\u00e1vku po aplikac\u00edch, kter\u00e9 u\u017eivatel\u016fm pom\u00e1haj\u00ed \u0161et\u0159it, sestavovat rozpo\u010det a dosahovat \u017eivotn\u00edch c\u00edl\u016f.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Robotick\u00e1 automatizace proces\u016f v bankovnictv\u00ed a finan\u010dnictv\u00ed je jedn\u00edm z nejsiln\u011bj\u0161\u00edch a nejp\u0159esv\u011bd\u010div\u011bj\u0161\u00edch p\u0159\u00edpad\u016f vyu\u017eit\u00ed automatiza\u010dn\u00edch technologi\u00ed. Automatizace obchodov\u00e1n\u00ed je roz\u0161\u00ed\u0159en\u00e1 ji\u017e od 70. a 80. let 20. stolet\u00ed, ale RPA otev\u00edr\u00e1 jin\u00fd typ mechanizace s v\u011bt\u0161\u00edm d\u016frazem na sni\u017eov\u00e1n\u00ed n\u00e1klad\u016f a zlep\u0161ov\u00e1n\u00ed zku\u0161enost\u00ed spot\u0159ebitel\u016f. Bankovn\u00ed RPA tak\u00e9 umo\u017enila podnik\u016fm reagovat na neust\u00e1le se m\u011bn\u00edc\u00ed [&hellip;]<\/p>\n","protected":false},"author":14624,"featured_media":74202,"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 bankovnictv\u00ed a financ\u00edch","_seopress_titles_desc":"Zjist\u011bte v\u00edce o RPA v oblasti financ\u00ed a bankovnictv\u00ed: velikost trhu, faktory ovliv\u0148uj\u00edc\u00ed robotickou automatizaci proces\u016f v t\u011bchto oblastech, v\u00fdzvy RPA v oblasti financ\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-74188","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-roboticka-automatizace-procesu"},"acf":{"short_name":"RPA ve financ\u00edch a bankovnictv\u00ed"},"_links":{"self":[{"href":"https:\/\/www.zaptest.com\/cs\/wp-json\/wp\/v2\/posts\/74188","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=74188"}],"version-history":[{"count":0,"href":"https:\/\/www.zaptest.com\/cs\/wp-json\/wp\/v2\/posts\/74188\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.zaptest.com\/cs\/wp-json\/wp\/v2\/media\/74202"}],"wp:attachment":[{"href":"https:\/\/www.zaptest.com\/cs\/wp-json\/wp\/v2\/media?parent=74188"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.zaptest.com\/cs\/wp-json\/wp\/v2\/categories?post=74188"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.zaptest.com\/cs\/wp-json\/wp\/v2\/tags?post=74188"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}