{"id":74180,"date":"2023-12-06T17:39:23","date_gmt":"2023-12-06T17:39:23","guid":{"rendered":"https:\/\/www.zaptest.com\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir"},"modified":"2023-12-06T17:39:23","modified_gmt":"2023-12-06T17:39:23","slug":"robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir","status":"publish","type":"post","link":"https:\/\/www.zaptest.com\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir","title":{"rendered":"Robotic Process Automation (RPA) \u00ed banka og fj\u00e1rm\u00e1lum &#8211; D\u00e6mi, d\u00e6mi, \u00e1vinningur og \u00e1skoranir"},"content":{"rendered":"<p>V\u00e9lr\u00e6n ferli sj\u00e1lfvirkni \u00ed banka og fj\u00e1rm\u00e1lum er eitt \u00f6flugasta og sannf\u00e6randi notkunartilvik sj\u00e1lfvirkni t\u00e6kni. Sj\u00e1lfvirkni vi\u00f0skipta hefur veri\u00f0 \u00fatbreidd fr\u00e1 1970 og 1980, en RPA er a\u00f0 opna fyrir a\u00f0ra tegund af v\u00e9lv\u00e6\u00f0ingu me\u00f0 meiri \u00e1herslu \u00e1 a\u00f0 draga \u00far kostna\u00f0i og b\u00e6ta upplifun neytenda.<\/p>\n<p>Bankastarfsemi RPA hefur einnig gert fyrirt\u00e6kjum kleift a\u00f0 breg\u00f0ast vi\u00f0 s\u00edbreytilegu regluger\u00f0arlandslagi me\u00f0 \u00fev\u00ed a\u00f0 starfa sem RegTech lausn fyrir sj\u00e1lfvirkni fj\u00e1rm\u00e1la. Hins vegar eru nokkrir a\u00f0rir fram\u00farskarandi notkunir \u00e1 RPA \u00ed fj\u00e1rm\u00e1lum, \u00fear \u00e1 me\u00f0al vi\u00f0skiptavinnsla, l\u00e1nasam\u00feykki og auki\u00f0 net\u00f6ryggi.<\/p>\n<p>\u00cd \u00feessari grein munum vi\u00f0 kanna kosti, d\u00e6mis\u00f6gur, notkunartilvik, strauma og \u00e1skoranir <a href=\"https:\/\/www.zaptest.com\/rpa\">v\u00e9lr\u00e6nna ferla sj\u00e1lfvirkni<\/a> \u00ed fj\u00e1rm\u00e1lum og bankastarfsemi.<\/p>\n<p>&nbsp;<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#Robotic_Process_Automation_i\" >Robotic Process Automation \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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#Staerd_fjarmala-_og_bankamarkadar\" >St\u00e6r\u00f0 fj\u00e1rm\u00e1la- og bankamarka\u00f0ar<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#THaettir_sem_hafa_ahrif_a_bankastarfsemi_og\" >\u00de\u00e6ttir sem hafa \u00e1hrif \u00e1 bankastarfsemi og<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#sjalfvirkni_fjarmalaferla\" >sj\u00e1lfvirkni fj\u00e1rm\u00e1laferla<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#1_Ad_draga_ur_kostnadi\" >1. A\u00f0 draga \u00far kostna\u00f0i<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#2_Aukin_reglu-_og_stjornsyslubyrdi\" >2. Aukin reglu- og stj\u00f3rns\u00fdslubyr\u00f0i<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#3_Sjalfsafgreidsla_vidskiptavina\" >3. Sj\u00e1lfsafgrei\u00f0sla vi\u00f0skiptavina<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#4_Minni_ahaetta\" >4. Minni \u00e1h\u00e6tta<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#5_Samfelld_vidskipta\" >5. Samfelld vi\u00f0skipta<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#Kostir_velmennaferlis_sjalfvirkni\" >Kostir v\u00e9lmennaferlis sj\u00e1lfvirkni<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#i_fjarmalum_og_bankastarfsemi\" >\u00ed fj\u00e1rm\u00e1lum og bankastarfsemi<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#1_Spara_peninga\" >#1. Spara peninga<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#2_Aukin_starfsanaegja\" >#2. Aukin starfs\u00e1n\u00e6gja<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#3_Uppfylltu_reglur_um_samraemi\" >#3. Uppfylltu reglur um samr\u00e6mi<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#4_Sveigjanleiki\" >#4. Sveigjanleiki<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#RPA_bankanotkunartilvik\" >RPA bankanotkunartilvik<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#1_Inngangur_vidskiptavina\" >#1. Inngangur vi\u00f0skiptavina<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#2_Afgreidsla_lansumsokna\" >#2. Afgrei\u00f0sla l\u00e1nsums\u00f3kna<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#3_Sjalfvirk_thjonustuver\" >#3. Sj\u00e1lfvirk \u00fej\u00f3nustuver<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#4_Skyrslugerd\" >#4. Sk\u00fdrsluger\u00f0<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#5_Uppgotvun_svika\" >#5. Uppg\u00f6tvun svika<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#6_Fylgni\" >#6. Fylgni<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#7_Greidsluafgreidsla\" >#7. Grei\u00f0sluafgrei\u00f0sla<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#8_Sjalfvirk_lokun_reiknings\" >#8. Sj\u00e1lfvirk lokun reiknings<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#9_Starfsmannastjornun\" >#9. Starfsmannastj\u00f3rnun<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#RPA_i_daemarannsoknum_i_fjarmalathjonustu\" >RPA \u00ed d\u00e6maranns\u00f3knum \u00ed fj\u00e1rm\u00e1la\u00fej\u00f3nustu<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#Daemi_1_Utryming_mannlegra_mistaka\" >D\u00e6mi #1: \u00datr\u00fdming mannlegra mistaka<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#Daemi_2_Hrada_afgreidslu_lana\" >D\u00e6mi #2: Hra\u00f0a afgrei\u00f0slu l\u00e1na<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#Daemi_3_Ad_maeta_reglubyrdinni\" >D\u00e6mi #3: A\u00f0 m\u00e6ta reglubyr\u00f0inni<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#Askoranir_sem_velfaerafraedilegt_ferli_stendur_frammi_fyrir\" >\u00c1skoranir sem v\u00e9lf\u00e6rafr\u00e6\u00f0ilegt ferli stendur frammi fyrir<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#Sjalfvirkni_i_banka-_og_fjarmalageiranum\" >Sj\u00e1lfvirkni \u00ed banka- og fj\u00e1rm\u00e1lageiranum<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#1_Eldri_innvidir\" >#1. Eldri innvi\u00f0ir<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#2_Ferlastodlun\" >#2. Ferlast\u00f6\u00f0lun<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#3_The_Silver_Bullet_Godsogn\" >#3. The Silver Bullet Go\u00f0s\u00f6gn<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#4_Fylgni_vid_reglur\" >#4. Fylgni vi\u00f0 reglur<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#5_Skortur_a_kunnattu\" >#5. Skortur \u00e1 kunn\u00e1ttu<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#RPA_i_throun_bankaidnadar\" >RPA \u00ed \u00fer\u00f3un bankai\u00f0na\u00f0ar<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#1_Snjoll_sjalfvirkni\" >#1. Snj\u00f6ll sj\u00e1lfvirkni<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#2_RPA_sem_byggir_a_skyjum\" >#2. RPA sem byggir \u00e1 sk\u00fdjum<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#3_Generative_AI\" >#3. Generative AI<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#4_Adstod_RPA\" >#4. A\u00f0sto\u00f0 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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#Framtid_sjalfvirkni_i_bankabransanum\" >Framt\u00ed\u00f0 sj\u00e1lfvirkni \u00ed bankabransanum<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#1_Ofsjalfvirkni\" >#1. Ofsj\u00e1lfvirkni<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#2_Mjog_personuleg_honnun_an_koda_forrita\" >#2. Mj\u00f6g pers\u00f3nuleg h\u00f6nnun \u00e1n k\u00f3\u00f0a forrita<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#3_Forsparuppgotvun_svika\" >#3. Forsp\u00e1ruppg\u00f6tvun svika<\/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\/is\/robotic-process-automation-rpa-i-banka-og-fjarmalum-daemi-daemi-avinningur-og-askoranir\/#Lokahugsanir\" >Lokahugsanir<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Robotic_Process_Automation_i\"><\/span><strong>Robotic Process Automation \u00ed  <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Staerd_fjarmala-_og_bankamarkadar\"><\/span><strong>St\u00e6r\u00f0 fj\u00e1rm\u00e1la- og bankamarka\u00f0ar<\/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=\"Framt\u00ed\u00f0 a\u00f0sto\u00f0arflugmanna og generative AI \u00ed hugb\u00fana\u00f0arpr\u00f3funum og 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>Alheimsst\u00e6r\u00f0 v\u00e9lmennaferlis sj\u00e1lfvirkni (RPA) \u00ed banka- og fj\u00e1rm\u00e1lum (BFSI) marka\u00f0sst\u00e6r\u00f0 var um <a href=\"https:\/\/www.grandviewresearch.com\/industry-analysis\/robotic-process-automation-bfsi-market\">$860,75 millj\u00f3nir \u00e1ri\u00f0 2023<\/a> . Me\u00f0 samsettum \u00e1rlegum vexti (CAGR) upp \u00e1 40%, b\u00faast s\u00e9rfr\u00e6\u00f0ingar vi\u00f0 a\u00f0 geirinn muni st\u00e6kka \u00ed t\u00e6pa 9 milljar\u00f0a dollara \u00e1ri\u00f0 2030.<\/p>\n<p>Nor\u00f0ur-Amer\u00edka (45%) og Evr\u00f3pa (30%) eru st\u00e6rstur hluti marka\u00f0arins. Hins vegar er liti\u00f0 \u00e1 Kyrrahafssv\u00e6\u00f0i\u00f0 sem sv\u00e6\u00f0i\u00f0 me\u00f0 mesta vaxtarm\u00f6guleika \u00e1 n\u00e6sta \u00e1ratug.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"THaettir_sem_hafa_ahrif_a_bankastarfsemi_og\"><\/span><strong>\u00de\u00e6ttir sem hafa \u00e1hrif \u00e1 bankastarfsemi og  <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"sjalfvirkni_fjarmalaferla\"><\/span><strong>sj\u00e1lfvirkni fj\u00e1rm\u00e1laferla<\/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=\"einingapr\u00f3fun og \u00fe\u00e6ttir sem hafa \u00e1hrif \u00e1 RPA \u00ed fj\u00e1rm\u00e1lum og bankastarfsemi\" 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>Banka- og fj\u00e1rm\u00e1lamarka\u00f0ir t\u00f3ku snemma upp <a href=\"https:\/\/www.zaptest.com\/is\">hugb\u00fana\u00f0arpr\u00f3funar sj\u00e1lfvirkniverkf\u00e6ri<\/a> og <a href=\"https:\/\/www.zaptest.com\/is\/heildarleidbeiningar-um-sjalfvirkni-velfaeraferla-rpa\">RPA t\u00e6kni<\/a> . \u00c1 margan h\u00e1tt voru \u00feeir tilvalnir ums\u00e6kjendur fyrir t\u00e6knina vegna \u00feess a\u00f0 \u00feessir geirar vinna miki\u00f0 magn af endurteknum og reglubundnum verkefnum, svo sem fj\u00e1rm\u00e1lavi\u00f0skiptum. Hins vegar hefur \u00e6ttlei\u00f0ingum fj\u00f6lga\u00f0 af \u00fdmsum \u00f6\u00f0rum \u00e1st\u00e6\u00f0um. H\u00e9r eru nokkrar af \u00feeim mikilv\u00e6gustu.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Ad_draga_ur_kostnadi\"><\/span><strong>1. A\u00f0 draga \u00far kostna\u00f0i<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>\u00cd langan t\u00edma <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\">voru bankar og fj\u00e1rm\u00e1la\u00fej\u00f3nustufyrirt\u00e6ki til \u00e1 t\u00edmum l\u00e1gra e\u00f0a jafnvel neikv\u00e6\u00f0ra vaxta<\/a> , sem setti kostna\u00f0arsparna\u00f0 \u00ed forgang. Mikil ver\u00f0b\u00f3lga kann a\u00f0 hafa breytt \u00fev\u00ed \u00e1 undanf\u00f6rnum \u00e1rum, \u00fear sem margir se\u00f0labankar hafa h\u00e6kka\u00f0 vexti \u00ed um 5%. Hins vegar eru a\u00f0rir m\u00f3tvindar sem fj\u00e1rm\u00e1lafyrirt\u00e6ki \u00feurfa a\u00f0 gl\u00edma vi\u00f0.<\/p>\n<p>Uppgangur n\u00fdbanka og n\u00fdst\u00e1rlegra fj\u00e1rm\u00e1lafyrirt\u00e6kja hefur b\u00e6tt alvarlegri samkeppni vi\u00f0 fj\u00e1rm\u00e1lalandslagi\u00f0. \u00deegar \u00e1samt sk\u00fdrum breytingum \u00e1 v\u00e6ntingum neytenda \u00feurfa fj\u00e1rm\u00e1lastofnanir a\u00f0 draga \u00far kostna\u00f0i til a\u00f0 vera samkeppnish\u00e6far. RPA hj\u00e1lpar teymum a\u00f0 draga \u00far daglegum kostna\u00f0i vi\u00f0 a\u00f0 reka \u00fej\u00f3nustu \u00e1 sama t\u00edma og \u00feeir veita neytendum n\u00fdjar v\u00f6rur.<\/p>\n<h3><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"2_Aukin_reglu-_og_stjornsyslubyrdi\"><\/span><strong>2. Aukin reglu- og stj\u00f3rns\u00fdslubyr\u00f0i<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Aukning fj\u00e1rm\u00e1laeftirlitssta\u00f0la undanfarin \u00e1r var st\u00f3rt vandam\u00e1l fyrir fj\u00e1rm\u00e1lafyrirt\u00e6ki. Kynntu \u00fe\u00e9r vi\u00f0skiptavininn (KYC) og skuldbindingar gegn peninga\u00fev\u00e6tti (AML) hafa lagt mikla stj\u00f3rns\u00fdslubyr\u00f0i \u00e1 fj\u00e1rm\u00e1la\u00fej\u00f3nustufyrirt\u00e6ki \u00e1n \u00feess a\u00f0 auka enn \u00e1 botninn. Handvirkt samr\u00e6mi er d\u00fdrt, endurteki\u00f0 og vi\u00f0kv\u00e6mt fyrir mannlegum mist\u00f6kum.<\/p>\n<p><a href=\"https:\/\/www.zaptest.com\/is\/tolvusjon-er-framtid-sjalfvirkni-hugbunadarprofunar-saga-fortidar-nutidar-og-framtidar\">RPA verkf\u00e6ri me\u00f0 Optical Character Recognition (OCR)<\/a> og \u00f6\u00f0rum gervigreindum t\u00f3lum geta teki\u00f0 hluta af \u00feessari byr\u00f0i fr\u00e1 b\u00f6nkum og dregi\u00f0 \u00far kostna\u00f0i vi\u00f0 a\u00f0 halda reglunum, eins og mannau\u00f0i.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Sjalfsafgreidsla_vidskiptavina\"><\/span><strong>3. Sj\u00e1lfsafgrei\u00f0sla vi\u00f0skiptavina<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>V\u00e6ntingar vi\u00f0skiptavina hafa breyst verulega \u00e1 s\u00ed\u00f0asta \u00e1ratug. N\u00fa b\u00faast neytendur vi\u00f0 a\u00f0 hlutir ver\u00f0i ger\u00f0ir strax og \u00feeir hafa ekki t\u00edma fyrir fyrirt\u00e6ki sem getur a\u00f0eins hj\u00e1lpa\u00f0 \u00feeim \u00e1 milli 9 og 5. Au\u00f0vita\u00f0 eru \u00fea\u00f0 ekki bara v\u00e6ntingar til \u00fej\u00f3nustuvera sem hafa vaxi\u00f0. Neytendur vilja l\u00edka skj\u00f3tar \u00e1kvar\u00f0anir um l\u00e1n og reikningsums\u00f3knir.<\/p>\n<p>RPA getur hj\u00e1lpa\u00f0 til vi\u00f0 \u00f6ll \u00feessi vandam\u00e1l me\u00f0 \u00fev\u00ed a\u00f0 gera forrit sj\u00e1lfvirkt gegn reglubundnum vi\u00f0mi\u00f0um me\u00f0 l\u00e1gmarks \u00fe\u00f6rf fyrir mannleg samskipti og takast \u00e1 vi\u00f0 fyrirspurnir vi\u00f0skiptavina.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Minni_ahaetta\"><\/span><strong>4. Minni \u00e1h\u00e6tta<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Bankar og fj\u00e1rm\u00e1lafyrirt\u00e6ki gl\u00edma \u00f3hj\u00e1kv\u00e6milega vi\u00f0 mikla \u00e1h\u00e6ttu. Hins vegar er mikilv\u00e6gur \u00fe\u00e1ttur \u00ed vel reknu fyrirt\u00e6ki a\u00f0 draga \u00far \u00feeirri \u00e1h\u00e6ttu. Mist\u00f6k geta leitt til taps \u00e1 trausti neytenda og tj\u00f3ns \u00e1 or\u00f0spori, \u00e1 me\u00f0an mist\u00f6k \u00ed samr\u00e6mi lei\u00f0a til har\u00f0ra fj\u00e1rhagslegra vi\u00f0urlaga.<\/p>\n<p>RPA dregur \u00far mannlegum mist\u00f6kum, hj\u00e1lpar stofnunum a\u00f0 fylgja reglum, b\u00e6tir n\u00e1kv\u00e6mni og vinnslu gagna og er h\u00e6gt a\u00f0 nota \u00fea\u00f0 vi\u00f0 uppg\u00f6tvun svika <a href=\"https:\/\/www.zaptest.com\/is\/ahrif-gervigreindar-i-sjalfvirkni-velfaeraferla-yfirgripsmikil-umraeda-um-samleitni-gervigreindar-og-rpa\">\u00feegar \u00fea\u00f0 er auki\u00f0 me\u00f0 Machine Learning (ML)<\/a> .<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Samfelld_vidskipta\"><\/span><strong>5. Samfelld vi\u00f0skipta<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Fj\u00e1rm\u00e1lastofnanir gegna mikilv\u00e6gu hlutverki \u00ed hagkerfinu og hvers kyns \u00fej\u00f3nustur\u00f6skun getur leitt til or\u00f0sporsska\u00f0a. \u00dear a\u00f0 auki, \u00fear sem \u00feessar stofnanir geyma vi\u00f0kv\u00e6m g\u00f6gn, eru \u00fe\u00e6r bundnar af regluger\u00f0um sem vernda neytendur og tryggja st\u00f6\u00f0ugleika fj\u00e1rm\u00e1lakerfisins.<\/p>\n<p>RPA getur veri\u00f0 hluti af traustri samfellu\u00e1\u00e6tlun (BCP) og tryggt a\u00f0 hvers kyns ni\u00f0ur \u00ed mi\u00f0b\u00e6 af v\u00f6ldum n\u00e1tt\u00faruhamfara, l\u00fd\u00f0heilsuney\u00f0ar, net\u00f6ryggis\u00e1r\u00e1sa e\u00f0a fleira s\u00e9 l\u00e1gmarka\u00f0.<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Kostir_velmennaferlis_sjalfvirkni\"><\/span><strong>Kostir v\u00e9lmennaferlis sj\u00e1lfvirkni  <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"i_fjarmalum_og_bankastarfsemi\"><\/span><strong>\u00ed fj\u00e1rm\u00e1lum og bankastarfsemi<\/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=\"Marka\u00f0sst\u00e6r\u00f0 RPA \u00ed heilbrig\u00f0is\u00fej\u00f3nustu\" 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>Innlei\u00f0ing <a href=\"https:\/\/www.zaptest.com\/rpa\">RPA lausna<\/a> \u00ed fj\u00e1rm\u00e1la\u00fej\u00f3nustu hefur marga kosti. H\u00e9r eru nokkrar af \u00feeim mikilv\u00e6gustu.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Spara_peninga\"><\/span><strong>#1. Spara peninga<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Gert er r\u00e1\u00f0 fyrir a\u00f0 notkun RPA muni halda \u00e1fram a\u00f0 aukast \u00ed fj\u00e1rm\u00e1lageiranum \u00e1 n\u00e6stu \u00e1rum. RPA getur sj\u00e1lfvirkt allt a\u00f0 <a href=\"https:\/\/www.accenture.com\/us-en\/services\/business-process-services\/intelligent-finance-accounting\">80% verkefna \u00ed fj\u00e1rm\u00e1lageiranum<\/a> , sem t\u00e1knar \u00f3tr\u00falega kostna\u00f0arsparna\u00f0arm\u00f6guleika fyrir stofnanir.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Aukin_starfsanaegja\"><\/span><strong>#2. Aukin starfs\u00e1n\u00e6gja<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Fj\u00e1rm\u00e1lageirinn er fullur af endurteknum og hversdagslegum verkefnum sem l\u00e1ta starfsmenn l\u00ed\u00f0a \u00f3innbl\u00e1sna, lei\u00f0indi og vanmetna. <a href=\"https:\/\/www.zaptest.com\/is\/rpa-verkfaeri-topp-31-besti-velfaeraferlasjalfvirkni-hugbunadurinn-a-markadnum\">RPA verkf\u00e6ri<\/a> geta teki\u00f0 yfir \u00feessi reglubundnu st\u00f6rf og opna\u00f0 dyrnar a\u00f0 gr\u00edpandi og skapandi verkefnum sem hj\u00e1lpa starfsm\u00f6nnum a\u00f0 finnast \u00feeir tengjast meira heildarverkefni stofnunarinnar.<\/p>\n<p>Aukin starfs\u00e1n\u00e6gja jafngildir auknu starfsmannahaldi. RPA \u00e6tti a\u00f0 vera hluti af \u00feeirri stefnu.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Uppfylltu_reglur_um_samraemi\"><\/span><strong>#3. Uppfylltu reglur um samr\u00e6mi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Fj\u00e1rm\u00e1la\u00fej\u00f3nustui\u00f0na\u00f0urinn hefur einhverjar str\u00f6ngustu regluger\u00f0arkr\u00f6fur fyrir hva\u00f0a atvinnugrein sem er. Ef ekki er fari\u00f0 a\u00f0 \u00feessum reglum getur \u00fea\u00f0 leitt til h\u00e1um sektum, leyfismissi og mannor\u00f0sska\u00f0a sem erfitt er a\u00f0 endurheimta. RPA hj\u00e1lpar teymum a\u00f0 uppfylla \u00feessa s\u00edbreytilegu sta\u00f0la.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Sveigjanleiki\"><\/span><strong>#4. Sveigjanleiki<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>N\u00fdbankar og FinTech fyrirt\u00e6ki innan stofnsetningarsv\u00e6\u00f0is fj\u00e1rm\u00e1la\u00fej\u00f3nustu vaxa oft hratt \u00fe\u00f6kk s\u00e9 a\u00f0la\u00f0andi hvatningu. Hins vegar getur \u00feessi v\u00f6xtur valdi\u00f0 vandam\u00e1lum eins og skorti \u00e1 starfsf\u00f3lki. RPA hj\u00e1lpar til vi\u00f0 a\u00f0 yfirst\u00edga \u00feessar takmarkanir me\u00f0 stafr\u00e6nu vinnuafli sem getur s\u00e9\u00f0 um auki\u00f0 vinnu\u00e1lag.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"RPA_bankanotkunartilvik\"><\/span><strong>RPA bankanotkunartilvik<\/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=\"rpa notkunartilvik \u00ed fj\u00e1rm\u00e1lum og bankastarfsemi\" 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>\u00dea\u00f0 eru m\u00f6rg fr\u00e1b\u00e6r <a href=\"https:\/\/www.zaptest.com\/is\/top-15-rpa-robotic-process-automation-notadu-mal-eftir-idnadi-fjarmal-heilbrigdisthjonustu-starfsmannahald-bokhald-framleidslu-fleira\">RPA notkunartilvik<\/a> \u00ed banka og fj\u00e1rm\u00e1lum. Sum eru beintengd kjarnastarfsemi banka, \u00e1 me\u00f0an \u00f6nnur hj\u00e1lpa til vi\u00f0 fleiri stj\u00f3rnunar- e\u00f0a verkefni sem sn\u00faa a\u00f0 vi\u00f0skiptavinum.<\/p>\n<p>&nbsp;<\/p>\n<p>H\u00e9r eru n\u00edu af bestu v\u00e9lr\u00e6nu ferli sj\u00e1lfvirkni notkunartilvikunum \u00ed banka og fj\u00e1rm\u00e1lum.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Inngangur_vidskiptavina\"><\/span><strong>#1. Inngangur vi\u00f0skiptavina<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Inng\u00f6ngu vi\u00f0skiptavina er eitt besta <a href=\"https:\/\/www.zaptest.com\/is\/hvad-er-rpa-robotic-process-automation-hugbunadur\">RPA<\/a> notkunartilviki\u00f0 fyrir n\u00fat\u00edma bankastarfsemi. Tilkoma n\u00fdbanka og fj\u00e1rm\u00e1lat\u00e6knifyrirt\u00e6kja hefur hafi\u00f0 n\u00fdtt t\u00edmabil stafr\u00e6nnar bankavi\u00f0skipta. A\u00f0 ganga inn \u00ed \u00fatib\u00fa til a\u00f0 stofna n\u00fdjan reikning fer hratt \u00far t\u00edsku. \u00deess \u00ed sta\u00f0 vilja n\u00fat\u00edma neytendur gera allt \u00ed appinu s\u00ednu.<\/p>\n<p>A\u00f0 skipta yfir \u00ed opnun fjarreiknings fylgir au\u00f0vita\u00f0 eigin vandam\u00e1lum. Vi\u00f0skiptavinir \u00feurfa a\u00f0 hla\u00f0a upp skj\u00f6lum og papp\u00edrum og f\u00e1 l\u00e1nstraust. \u00dea\u00f0 sem meira er, uppl\u00fdsingar \u00feeirra \u00fearf a\u00f0 hla\u00f0a inn \u00ed kerfi bankans.<\/p>\n<p><a href=\"https:\/\/www.zaptest.com\/is\/10-ferlar-forrit-og-rekstur-rpa-robotic-process-automation-geta-sed-um-og-gert-sjalfvirkan\">RPA hj\u00e1lpar vi\u00f0 \u00f6ll \u00feessi ferli<\/a> , \u00fear \u00e1 me\u00f0al samskipti vi\u00f0 vi\u00f0skiptavini, skjalavinnslu, au\u00f0kennissannpr\u00f3fun, l\u00e1nsh\u00e6fismat, innsl\u00e1tt gagna, uppf\u00e6rslu reikninga og fleira. \u00dea\u00f0 er flj\u00f3tlegt, skalanlegt, hagkv\u00e6mt og m\u00e6tir kr\u00f6fum neytenda um sj\u00e1lfsafgrei\u00f0slu.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Afgreidsla_lansumsokna\"><\/span><strong>#2. Afgrei\u00f0sla l\u00e1nsums\u00f3kna<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Me\u00f0fer\u00f0 l\u00e1naums\u00f3kna er fr\u00e1b\u00e6rt d\u00e6mi um RPA \u00ed bankastarfsemi. \u00deessir ferlar krefjast mikillar sko\u00f0unar \u00e1 papp\u00edrsvinnu og g\u00f6gnum vi\u00f0skiptavina til a\u00f0 draga \u00far tapi. Hins vegar ver\u00f0ur a\u00f0 vega upp \u00e1 m\u00f3ti \u00feessari n\u00e1kv\u00e6mni \u00e1 m\u00f3ti skj\u00f3tum \u00e1kv\u00f6r\u00f0unum til a\u00f0 halda samkeppninni.<\/p>\n<p>RPA hj\u00e1lpar me\u00f0 \u00fev\u00ed a\u00f0 nota Optical Character Recognition (OCR) og <a href=\"https:\/\/www.zaptest.com\/is\/intelligent-process-automation-vs-rpa-mismunur-commonalities-tools-intersections-skorun\">Intelligent Document Processing<\/a> (IDP) til a\u00f0 greina skj\u00f6l, draga \u00fat g\u00f6gn og bera saman uppl\u00fdsingar vi\u00f0 innri skj\u00f6l til a\u00f0 sam\u00feykkja e\u00f0a hafna l\u00e1num. RPA veitir bl\u00f6ndu af hra\u00f0a og n\u00e1kv\u00e6mni sem neytendur hafa b\u00faist vi\u00f0 af stafr\u00e6num bankastarfsemi.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Sjalfvirk_thjonustuver\"><\/span><strong>#3. Sj\u00e1lfvirk \u00fej\u00f3nustuver<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>\u00cd framhaldi af \u00fer\u00f3un sj\u00e1lfsafgrei\u00f0slu vi\u00f0skiptavina ver\u00f0a bankar a\u00f0 finna lei\u00f0ir til a\u00f0 veita vi\u00f0skiptavinum s\u00ednum skj\u00f3tan, st\u00f6\u00f0ugan, fj\u00f6lr\u00e1sa stu\u00f0ning. RPA getur a\u00f0sto\u00f0a\u00f0 vi\u00f0 \u00feetta ferli \u00e1 nokkra mismunandi vegu. Til a\u00f0 byrja me\u00f0 geta \u00fej\u00f3nustuv\u00e9lar veitt vi\u00f0skiptavinum h\u00e1\u00fer\u00f3a\u00f0a og samhengisbundna r\u00e1\u00f0gj\u00f6f. \u00dea\u00f0 getur veri\u00f0 eitthva\u00f0 eins einfalt eins og tenglar \u00e1 algengar spurningar e\u00f0a \u00feekkingargrunna e\u00f0a fullkomin samt\u00f6l me\u00f0 a\u00f0sto\u00f0 me\u00f0 <a href=\"https:\/\/www.zaptest.com\/copilots-and-generative-ais-impact-in-rpa-and-software-testing-present-future\">AI<\/a> .<\/p>\n<p>\u00dea\u00f0 sem meira er, RPA v\u00e9lmenni geta hj\u00e1lpa\u00f0 til vi\u00f0 a\u00f0 leysa vandam\u00e1l vi\u00f0skiptavina me\u00f0 \u00fev\u00ed a\u00f0 safna g\u00f6gnum og skj\u00f6lum, \u00fdta mi\u00f0um til vi\u00f0eigandi deilda og veita notendum sj\u00e1lfvirkt samband vi\u00f0 \u00fatg\u00e1funa. \u00deegar \u00feau eru paru\u00f0 vi\u00f0 gervigreind og gagnagreiningu geta RPA verkf\u00e6ri hj\u00e1lpa\u00f0 til vi\u00f0 a\u00f0 veita pers\u00f3nulegri \u00fej\u00f3nustu, sem hj\u00e1lpar til vi\u00f0 a\u00f0 byggja upp traust.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Skyrslugerd\"><\/span><strong>#4. Sk\u00fdrsluger\u00f0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>RPA fyrir bankastarfsemi hj\u00e1lpar til vi\u00f0 a\u00f0 fulln\u00e6gja \u00fe\u00f6rfum fj\u00e1rm\u00e1la\u00fej\u00f3nustu fyrir sk\u00fdrsluger\u00f0. Me\u00f0 \u00fev\u00ed a\u00f0 tengjast \u00fdmsum gagnagrunnum og t\u00f6flureiknum geta starfsmenn nota\u00f0 RPA verkf\u00e6ri til a\u00f0 vinna \u00fat uppl\u00fdsingar \u00ed raunt\u00edma, sem lei\u00f0ir til uppf\u00e6r\u00f0ra sk\u00fdrslna sem veita mikla s\u00fdnileika.<\/p>\n<p>Allur l\u00edfsferill sk\u00fdrsluger\u00f0ar ver\u00f0ur hra\u00f0ari me\u00f0 RPA verkf\u00e6rum vegna \u00feess a\u00f0 \u00feau a\u00f0sto\u00f0a vi\u00f0 a\u00f0 gera sj\u00e1lfvirkan gagnas\u00f6fnun, safna uppl\u00fdsingum, b\u00faa til sk\u00fdrslur og dreifa lokaafur\u00f0inni til vi\u00f0komandi sj\u00f3r\u00e6ningja.<\/p>\n<p>RPA-mynda\u00f0ar sk\u00fdrslur eru flj\u00f3tlegri, villulausar og hagkv\u00e6mar. \u00dea\u00f0 sem meira er, h\u00e6gt er a\u00f0 innlei\u00f0a RPA kerfi me\u00f0 samr\u00e6mi \u00ed huga og ef \u00feau eru paru\u00f0 vi\u00f0 gervigreindarverkf\u00e6ri geta \u00feau einnig hj\u00e1lpa\u00f0 til vi\u00f0 greiningu og \u00e1kvar\u00f0anat\u00f6ku.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Uppgotvun_svika\"><\/span><strong>#5. Uppg\u00f6tvun svika<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>\u00dea\u00f0 eru nokkrar lei\u00f0ir sem RPA getur hj\u00e1lpa\u00f0 fj\u00e1rm\u00e1lafyrirt\u00e6kjum me\u00f0 uppg\u00f6tvun svika. RPA verkf\u00e6ri geta safna\u00f0 og safna\u00f0 saman g\u00f6gnum til a\u00f0 au\u00f0velda mynstur\u00feekkingu. \u00dea\u00f0 er einnig h\u00e6gt a\u00f0 nota til a\u00f0 fylgjast me\u00f0 raunt\u00edma, senda vi\u00f0varanir og framkv\u00e6ma reglur sem byggjast \u00e1 \u00e1kve\u00f0num ni\u00f0urst\u00f6\u00f0um e\u00f0a skilyr\u00f0um.<\/p>\n<p>Raunverulegur kraftur RPA fyrir uppg\u00f6tvun svika liggur \u00ed <a href=\"https:\/\/www.zaptest.com\/is\/ahrif-gervigreindar-i-sjalfvirkni-velfaeraferla-yfirgripsmikil-umraeda-um-samleitni-gervigreindar-og-rpa\">sam\u00fe\u00e6ttingu \u00feess vi\u00f0 gervigreind<\/a> og s\u00e9rstaklega v\u00e9lr\u00e6nni reiknirit sem geta greint miki\u00f0 magn gagna til a\u00f0 greina fr\u00e1vik. \u00dea\u00f0an geta \u00feessir RPA v\u00e9lmenni bent \u00e1 tilvik til sko\u00f0unar manna, sem gerir b\u00f6nkum og fj\u00e1rm\u00e1lastofnunum kleift a\u00f0 draga \u00far \u00e1h\u00e6ttu og tapi sem tengist svikum.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Fylgni\"><\/span><strong>#6. Fylgni<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Reglufesting er svo br\u00fdnt m\u00e1l \u00ed banka- og fj\u00e1rm\u00e1lageiranum a\u00f0 heill t\u00e6kniarmur hefur sprotti\u00f0 upp \u00e1 undanf\u00f6rnum \u00e1rum til a\u00f0 taka \u00e1 vandanum. <a href=\"https:\/\/www.computerweekly.com\/news\/366541692\/Annual-spend-on-regtech-to-reach-more-than-200bn-by-2028\">\u00datgj\u00f6ld til s\u00e9rstakra regluger\u00f0art\u00e6kni (RegTech) munu n\u00e1 200 millj\u00f6r\u00f0um Bandar\u00edkjadala \u00e1ri\u00f0 2028<\/a> . Hins vegar getur RPA leyst m\u00f6rg af \u00feessum m\u00e1lum.<\/p>\n<p>RPA verkf\u00e6ri til a\u00f0 uppfylla fj\u00e1rm\u00e1lareglur geta hj\u00e1lpa\u00f0 til vi\u00f0 gagnas\u00f6fnun fyrir sk\u00fdrslur, me\u00f0 endursko\u00f0unarsl\u00f3\u00f0um sem eru fullkomnar til a\u00f0 s\u00fdna gagns\u00e6i. \u00dea\u00f0 sem meira er, RPA er fr\u00e1b\u00e6r kostur fyrir gagnastj\u00f3rnun og nafnleynd, pers\u00f3nuskilr\u00edki og almennt net\u00f6ryggi.<\/p>\n<p>\u00c1 heildina liti\u00f0 er \u00fea\u00f0 kostna\u00f0arsamt og t\u00edmafrekt a\u00f0 uppfylla kr\u00f6fur regluger\u00f0a. RPA verkf\u00e6ri gera teymum kleift a\u00f0 taka byr\u00f0ina af li\u00f0inu s\u00ednu me\u00f0 \u00fev\u00ed a\u00f0 gera endurtekin KYC og AML verkefni sj\u00e1lfvirk. \u00dea\u00f0 er samsv\u00f6run ger\u00f0 \u00e1 himnum.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Greidsluafgreidsla\"><\/span><strong>#7. Grei\u00f0sluafgrei\u00f0sla<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>R\u00e9tt eins og RPA \u00ed b\u00f3khaldi, geta fj\u00e1rm\u00e1la\u00fej\u00f3nustustofnanir sj\u00e1lfvirkt miki\u00f0 af grei\u00f0slum \u00e1 dag og millif\u00e6rt f\u00e6rslur og tryggt a\u00f0 \u00feeim s\u00e9 loki\u00f0 flj\u00f3tt og villulaust. <a href=\"https:\/\/www.zaptest.com\/is\/rpa-taekni-endurskodun-a-fortid-nutid-og-framtid\">RPA<\/a> er f\u00e6r um a\u00f0 gera sj\u00e1lfvirkni \u00ed miklu magni og endurteknum verkefnum og grei\u00f0sluvinnsla fellur vissulega innan \u00feessara breytu.<\/p>\n<p>RPA verkf\u00e6ri geta hafi\u00f0 grei\u00f0slur, lei\u00f0beint grei\u00f0sluvinnsluhugb\u00fana\u00f0i, sent afstemmingarg\u00f6gn og jafnvel leyst deilur vi\u00f0skiptavina. Aftur sn\u00fdst \u00feetta um n\u00e1kv\u00e6mni, skilvirkni og a\u00f0 draga \u00far mannlegum mist\u00f6kum. Me\u00f0 r\u00e9ttri uppsetningu geta grei\u00f0slurnar einnig hj\u00e1lpa\u00f0 til vi\u00f0 a\u00f0 uppfylla samr\u00e6missta\u00f0la en gera \u00fea\u00f0 kleift a\u00f0 st\u00e6kka fj\u00e1rm\u00e1la\u00fej\u00f3nustufyrirt\u00e6ki au\u00f0veldlega.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Sjalfvirk_lokun_reiknings\"><\/span><strong>#8. Sj\u00e1lfvirk lokun reiknings<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Engum banka e\u00f0a fj\u00e1rm\u00e1lastofnun finnst gaman a\u00f0 sj\u00e1 vi\u00f0skiptavin fara, og hluti af \u00fev\u00ed er vegna alls auka stj\u00f3rnandans sem \u00fea\u00f0 skapar. Hins vegar geta RPA verkf\u00e6ri gert ferli\u00f0 skilvirkara, hagkv\u00e6mara og samh\u00e6ft. Bankar geta nota\u00f0 RPA til a\u00f0 safna uppl\u00fdsingum um vi\u00f0skiptavini fr\u00e1 \u00fdmsum a\u00f0ilum og skipuleggja sannpr\u00f3fun reikninga me\u00f0 \u00fev\u00ed a\u00f0 athuga st\u00f6\u00f0ur, skj\u00f6l og reikningsst\u00f6\u00f0u.<\/p>\n<p>A\u00f0 loka reikningi krefst oft millif\u00e6rslu fj\u00e1rmuna til n\u00fdrra \u00e1fangasta\u00f0a og tilkynningar til \u00feri\u00f0ja a\u00f0ila. Aftur, RPA er vel \u00ed stakk b\u00fai\u00f0 til a\u00f0 gera \u00feessi verkefni sj\u00e1lfvirk. A\u00f0 lokum geta fj\u00e1rm\u00e1la\u00fej\u00f3nustufyrirt\u00e6ki einnig b\u00fai\u00f0 til vi\u00f0eigandi skj\u00f6l og papp\u00edrsvinnu og uppf\u00e6rt gagnagrunna vi\u00f0skiptavina til a\u00f0 endurspegla allar breytingar.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Starfsmannastjornun\"><\/span><strong>#9. Starfsmannastj\u00f3rnun<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Fj\u00e1rm\u00e1la\u00fej\u00f3nusta notar <a href=\"https:\/\/www.zaptest.com\/is\/robotic-process-automation-rpa-i-hr-tilviksrannsoknir-daemi-avinningur-og-askoranir-i-mannaudi\">RPA verkf\u00e6ri fyrir margs konar starfsmannatengd verkefni<\/a> , allt fr\u00e1 sj\u00e1lfvirkri kostna\u00f0arstj\u00f3rnun til inng\u00f6ngu starfsmanna og \u00e1rangursmats. \u00dear sem fj\u00e1rm\u00e1lastofnanir eru undir \u00fer\u00fdstingi til a\u00f0 hagr\u00e6\u00f0a \u00fej\u00f3nustu og draga \u00far kostna\u00f0i er RPA gl\u00e6sileg lausn til a\u00f0 draga \u00far kostna\u00f0i sem tengist starfsmannastj\u00f3rnun.<\/p>\n<p>RPA hj\u00e1lpar teymum a\u00f0 gera sj\u00e1lfvirkan launaskr\u00e1, b\u00e6tur og stj\u00f3rna veikindaleyfi, allt \u00e1 sama t\u00edma og \u00fea\u00f0 uppfyllir nau\u00f0synlegar kr\u00f6fur og veitir starfsm\u00f6nnum skj\u00f3tan sj\u00e1lfsafgrei\u00f0slukost. \u00c1vinningurinn h\u00e9r er aukin starfsreynsla sem hj\u00e1lpar til vi\u00f0 starfs\u00e1n\u00e6gju og trygg\u00f0.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"RPA_i_daemarannsoknum_i_fjarmalathjonustu\"><\/span><strong>RPA \u00ed d\u00e6maranns\u00f3knum \u00ed fj\u00e1rm\u00e1la\u00fej\u00f3nustu<\/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=\"einingapr\u00f3fun og \u00fe\u00e6ttir sem hafa \u00e1hrif \u00e1 RPA \u00ed fj\u00e1rm\u00e1lum og bankastarfsemi\" 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>Au\u00f0vita\u00f0 er eitt atri\u00f0i a\u00f0 heyra um RPA notkunartilvik \u00ed fj\u00e1rm\u00e1lum og bankastarfsemi, en a\u00f0 skilja hvernig t\u00e6kninni hefur veri\u00f0 beitt \u00ed geiranum og hva\u00f0a \u00e1\u00fereifanlega \u00e1vinningi h\u00fan hefur opna\u00f0 fyrir stofnanir er mest sannf\u00e6randi lei\u00f0in til a\u00f0 m\u00e6la \u00e1hrif RPA.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Daemi_1_Utryming_mannlegra_mistaka\"><\/span><strong>D\u00e6mi #1: \u00datr\u00fdming mannlegra mistaka<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Al\u00fej\u00f3\u00f0legt fj\u00e1rm\u00e1la\u00fej\u00f3nustufyrirt\u00e6ki me\u00f0 t\u00e6plega 240.000 starfsmenn \u00ed yfir 150 l\u00f6ndum haf\u00f0i br\u00fdna \u00fe\u00f6rf \u00e1 a\u00f0 hagr\u00e6\u00f0a vinnufl\u00e6\u00f0i s\u00ednu og draga \u00far mannlegum mist\u00f6kum \u00ed tengslum vi\u00f0 handvirk verkefni. Eitt m\u00e1l sem \u00feeir \u00feurftu a\u00f0 gl\u00edma vi\u00f0 var fj\u00f6lbreytt blanda af \u00fej\u00f3nustu sem \u00feeir bu\u00f0u upp \u00e1, \u00fear \u00e1 me\u00f0al endursko\u00f0un, skattar\u00e1\u00f0gj\u00f6f, starfsmannam\u00e1l, net\u00f6ryggi og stj\u00f3rnun samninga.<\/p>\n<p>Hins vegar voru a\u00f0rar breytur. Fyrirt\u00e6ki\u00f0 vildi ekki endursko\u00f0a n\u00faverandi uppl\u00fdsingat\u00e6knikerfi sitt e\u00f0a valda of mikilli truflun \u00e1 samfellu fyrirt\u00e6kja.<\/p>\n<p>Fyrirt\u00e6ki\u00f0 safna\u00f0i saman \u00fdmsum hagsmunaa\u00f0ilum og uppl\u00fdsingat\u00e6knistarfsm\u00f6nnum innan stofnunarinnar og bj\u00f3 til \u00fevervirkt teymi til a\u00f0 safna kr\u00f6fum og bera kennsl \u00e1 verkfl\u00e6\u00f0i og vi\u00f0skiptaferla sem \u00feeir g\u00e6tu sj\u00e1lfvirkt. \u00deeir greindu endurtekin verkefni me\u00f0 h\u00e1tt hlutfall mannlegra mistaka og settu fj\u00f6gur KPI fyrir verkefni\u00f0, \u00fear \u00e1 me\u00f0al hra\u00f0a, gagnag\u00e6\u00f0i, sj\u00e1lfr\u00e6\u00f0i og v\u00f6ru\u00e1hrif.<\/p>\n<p>Innlei\u00f0ingin t\u00f3k um \u00ferj\u00e1 m\u00e1nu\u00f0i og \u00ed lokin haf\u00f0i teymi\u00f0 sm\u00ed\u00f0a\u00f0 RPA v\u00e9lmenni sem skiptist \u00e1 g\u00f6gnum yfir m\u00fdm\u00f6rg kerfi \u00ferisvar \u00e1 dag. Verkefni\u00f0 spara\u00f0i 100.000 vinnustundir \u00e1 \u00e1ri og 800 millj\u00f3nir dala \u00e1 sama t\u00edma og \u00fea\u00f0 minnka\u00f0i vandam\u00e1lin af v\u00f6ldum mannlegra mistaka.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Daemi_2_Hrada_afgreidslu_lana\"><\/span><strong>D\u00e6mi #2: Hra\u00f0a afgrei\u00f0slu l\u00e1na<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>\u00c1berandi bandar\u00edskur banki f\u00e9kk yfir 10.000 l\u00e1nsums\u00f3knir \u00e1 m\u00e1nu\u00f0i. Vinnsla \u00feessara l\u00e1na t\u00f3k vinnu 50 starfsmanna, \u00fear sem ferli\u00f0 var me\u00f0al annars fari\u00f0 yfir l\u00e1nsums\u00f3knir, s\u00f6fnun og sannpr\u00f3fun vi\u00f0skiptavina og a\u00f0 lokum sam\u00feykkt e\u00f0a hafna\u00f0 l\u00e1ninu. Hins vegar var auki\u00f0 fl\u00f3ki\u00f0 lag til a\u00f0 takast \u00e1 vi\u00f0 vegna \u00feess a\u00f0 bankinn treysti \u00e1 eldra hugb\u00fana\u00f0arkerfi.<\/p>\n<p>Eftir vandlega skipulagningu nota\u00f0i bankinn RPA til a\u00f0 gera allt l\u00e1naferli sitt sj\u00e1lfvirkt. RPA verkf\u00e6rin l\u00e1su og dr\u00f3gu g\u00f6gn \u00far ums\u00f3knunum og sta\u00f0festu g\u00f6gnin \u00ed samr\u00e6mi vi\u00f0 l\u00e1nastefnu bankans og vi\u00f0eigandi regluverk. \u00dea\u00f0an g\u00e6ti kerfi\u00f0 teki\u00f0 \u00e1kv\u00f6r\u00f0un um h\u00e6fi l\u00e1nsins.<\/p>\n<p>Me\u00f0 \u00fev\u00ed a\u00f0 innlei\u00f0a RPA lausn b\u00e6tti bankinn til muna b\u00e6\u00f0i n\u00e1kv\u00e6mni og hra\u00f0a afgrei\u00f0slu l\u00e1na sinna. Afgrei\u00f0sla ums\u00f3kna dr\u00f3st saman um 80% og mannleg mist\u00f6k minnka a\u00f0 \u00f6llu leyti. Aukin skilvirkni dr\u00f3 \u00far mannafla um 70% \u00e1 sama t\u00edma og bankinn uppfyllti reglur.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Daemi_3_Ad_maeta_reglubyrdinni\"><\/span><strong>D\u00e6mi #3: A\u00f0 m\u00e6ta reglubyr\u00f0inni<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Fj\u00f6l\u00fej\u00f3\u00f0legur banki me\u00f0 a\u00f0setur \u00ed Bretlandi st\u00f3\u00f0 frammi fyrir \u00fer\u00fdstingi fr\u00e1 regluger\u00f0um um a\u00f0 skipta um eina af v\u00f6rum s\u00ednum. \u00deeir voru me\u00f0 eldri kreditkort, sem unnu vi\u00f0skiptavinum s\u00ednum stigum og ver\u00f0launum. \u00de\u00f6rfin fyrir a\u00f0 skipta yfir \u00ed n\u00fdja ger\u00f0, sem \u00feurfti 1,4 millj\u00f3nir vi\u00f0skiptavina til a\u00f0 velja n\u00fdjar v\u00f6rur, var hins vegar ekki eitthva\u00f0 sem h\u00e6gt var a\u00f0 me\u00f0h\u00f6ndla handvirkt.<\/p>\n<p>Ferlarnir sem \u00feurfti a\u00f0 gera sj\u00e1lfvirka voru me\u00f0al annars a\u00f0 senda samskipti til vi\u00f0skiptavina um breytingarnar, vinna \u00far \u00e1kv\u00f6r\u00f0unum vi\u00f0skiptavina, uppf\u00e6ra uppl\u00fdsingar \u00e1 milli fyrirt\u00e6kjakerfa og skr\u00e1 breytingar til a\u00f0 uppfylla endursko\u00f0unarkr\u00f6fur. Hins vegar voru t\u00edma- og fj\u00e1rhagstakmarkanir, sem b\u00e6ttu vi\u00f0 hindrunum til a\u00f0 yfirst\u00edga.<\/p>\n<p>Bankinn kynnti bakenda SQL gagnagrunn fyrir CRM kerfi\u00f0 og bygg\u00f0i gagnagrunn sem g\u00e6ti n\u00e1\u00f0 yfir allar \u00fe\u00e6r a\u00f0st\u00e6\u00f0ur sem g\u00e6tu a\u00f0sto\u00f0a\u00f0 vi\u00f0 \u00e1kvar\u00f0anat\u00f6ku. A\u00f0 auki ger\u00f0u \u00feeir sj\u00e1lfvirkan v\u00f6ruskipta\u00ferep, \u00fear \u00e1 me\u00f0al samskipti og endurgj\u00f6f. A\u00f0 lokum bygg\u00f0u \u00feeir stj\u00f3rnendag\u00e1tt til a\u00f0 sj\u00e1 um endurheimt sk\u00fdrslu.<\/p>\n<p>Ni\u00f0urst\u00f6\u00f0urnar voru me\u00f0al annars a\u00f0 spara 1,2 millj\u00f3nir punda \u00e1 \u00e1ri, spara vi\u00f0 a\u00f0 r\u00e1\u00f0a 18 starfsmenn \u00ed fullu starfi, auka n\u00e1kv\u00e6mni upp \u00ed 100% og uppfylla regluverk.<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Askoranir_sem_velfaerafraedilegt_ferli_stendur_frammi_fyrir\"><\/span><strong>\u00c1skoranir sem v\u00e9lf\u00e6rafr\u00e6\u00f0ilegt ferli stendur frammi fyrir  <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Sjalfvirkni_i_banka-_og_fjarmalageiranum\"><\/span><strong>Sj\u00e1lfvirkni \u00ed banka- og fj\u00e1rm\u00e1lageiranum<\/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=\"skorar \u00e1 \u00e1lagspr\u00f3fun og RPA\" width=\"693\" height=\"462\"><\/p>\n<p>Innlei\u00f0ing sj\u00e1lfvirkni fyrir banka- og fj\u00e1rm\u00e1lateymi fylgir nokkrum s\u00e9rst\u00f6kum \u00e1skorunum vegna menningar og vinnufl\u00e6\u00f0is innan beggja geira.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Eldri_innvidir\"><\/span><strong>#1. Eldri innvi\u00f0ir<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Fj\u00e1rm\u00e1lageirinn hefur \u00e1unni\u00f0 or\u00f0spor fyrir tilfinningasemi \u00feegar kemur a\u00f0 uppl\u00fdsingat\u00e6knit\u00e6kni. Reyndar <a href=\"https:\/\/fortune.com\/2023\/09\/26\/github-ceo-wall-street-relies-software-developed-ai-next-financial-crisis-thomas-dohmke\/\">notu\u00f0u meira en 40% st\u00f3rra fj\u00e1rm\u00e1lastofnana \u00ed Bandar\u00edkjunum snemma \u00e1 20. \u00e1ratugnum enn hugb\u00fana\u00f0 bygg\u00f0an \u00e1 Common Business Oriented Language (COBOL),<\/a> forritunarm\u00e1li sem fundi\u00f0 var upp \u00e1ri\u00f0 1959. \u00dea\u00f0 sem meira er, m\u00f6rg fyrirt\u00e6ki nota enn st\u00f3rt\u00f6lvur til gagnavinnslu.<\/p>\n<p>RPA er \u00e1hrifar\u00edkt t\u00e6ki til a\u00f0 hj\u00e1lpa til vi\u00f0 a\u00f0 sam\u00fe\u00e6tta eldri kerfi me\u00f0 n\u00fat\u00edma sk\u00fdjatengdum forritum og API. \u00dea\u00f0 er einnig h\u00e6gt a\u00f0 nota til a\u00f0 flytja g\u00f6gn fr\u00e1 \u00feessum \u00fareltu kerfum og draga \u00far vi\u00f0haldskostna\u00f0i sem tengist eldri t\u00e6kni.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Ferlastodlun\"><\/span><strong>#2. Ferlast\u00f6\u00f0lun<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>\u00dea\u00f0 fer eftir menningu, starfsm\u00f6nnum og mikilli sam\u00fej\u00f6ppun eldri kerfa innan fyrirt\u00e6kjaarkitekt\u00fars, fj\u00e1rm\u00e1lastofnanir munu hafa s\u00edn eigin verkfl\u00e6\u00f0i og ferla, oft \u00e1 milli mismunandi deilda. Tilraunir til a\u00f0 innlei\u00f0a RPA lausnir munu krefjast samstarfs milli deilda og st\u00f6\u00f0lunar ferla.<\/p>\n<p>A\u00f0 m\u00f6rgu leyti er ferlast\u00f6\u00f0lun bara hluti af \u00fev\u00ed a\u00f0 auka skilvirkni. Ef tv\u00e6r deildir e\u00f0a li\u00f0smenn gera \u00fea\u00f0 sama \u00e1 mj\u00f6g \u00f3l\u00edkan h\u00e1tt ver\u00f0ur \u00f6nnur \u00feeirra \u00f3hagkv\u00e6mari en hin hva\u00f0 var\u00f0ar t\u00edma e\u00f0a au\u00f0lindanotkun. St\u00f6\u00f0lun ferla \u00fe\u00fd\u00f0ir a\u00f0 stofnanir eru \u00ed stakk b\u00fanar til a\u00f0 n\u00fdta s\u00e9r RPA lausnir.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_The_Silver_Bullet_Godsogn\"><\/span><strong>#3. The Silver Bullet Go\u00f0s\u00f6gn<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Deloitte bendir \u00e1 a\u00f0 h\u00e6tta s\u00e9 \u00e1 a\u00f0 fj\u00e1rm\u00e1lastofnanir telji a\u00f0 vitsmunaleg RPA ver\u00f0i <a href=\"https:\/\/www2.deloitte.com\/content\/dam\/Deloitte\/us\/Documents\/process-and-operations\/us-cons-automation-driven-transformation.pdf\">\u201eSilver Bullet\u201c<\/a> sem h\u00e6gt er a\u00f0 \u201ebeita \u00e1 \u00ed grundvallaratri\u00f0um broti\u00f0 ferli me\u00f0 von um a\u00f0 \u00fea\u00f0 muni laga sig.<\/p>\n<p>\u00cd raun og veru \u00fearf innlei\u00f0ing hvers kyns RPA kerfis n\u00e1kv\u00e6mrar kr\u00f6fus\u00f6fnunar og skipulagningar. Samr\u00e1\u00f0 vi\u00f0 RPA s\u00e9rfr\u00e6\u00f0ing getur sl\u00e9tta\u00f0 yfir m\u00f6rg vandam\u00e1l sem tengjast innlei\u00f0ingu \u00feessarar t\u00e6kni \u00ed \u00feegar fl\u00f3knu vistkerfi.<\/p>\n<h3><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"4_Fylgni_vid_reglur\"><\/span><strong>#4. Fylgni vi\u00f0 reglur<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Fj\u00e1rm\u00e1la\u00fej\u00f3nusta er ein af str\u00f6ngustu eftirlitsgreinunum, me\u00f0 reglum um me\u00f0fer\u00f0 vi\u00f0kv\u00e6mra uppl\u00fdsinga og jafnvel \u00e1h\u00e6ttu. Sem sl\u00edk munu allar RPA lausnir \u00feurfa a\u00f0 passa inn \u00ed \u00feessar takmarkanir og tryggja a\u00f0 fari\u00f0 s\u00e9 a\u00f0 reglum.<\/p>\n<p>RPA er g\u00f3\u00f0ur kand\u00eddat fyrir \u00feessar a\u00f0st\u00e6\u00f0ur vegna \u00feess a\u00f0 \u00fea\u00f0 eru f\u00e6rslur fyrir hvert ferli, sem er mikilv\u00e6gt fyrir fj\u00e1rhagsendursko\u00f0un. \u00dea\u00f0 sem meira er, \u00e1 me\u00f0an regluger\u00f0ir eru st\u00f6\u00f0ugt a\u00f0 breytast og eru uppf\u00e6r\u00f0ar, b\u00fd\u00f0ur RPA upp \u00e1 sveigjanleika til a\u00f0 laga sig a\u00f0 n\u00fdjum reglum. A\u00f0 lokum getur sj\u00e1lfvirkni hj\u00e1lpa\u00f0 til vi\u00f0 a\u00f0 tryggja a\u00f0 vi\u00f0kv\u00e6m fj\u00e1rhags- og pers\u00f3nuleg g\u00f6gn s\u00e9u ekki a\u00f0gengileg augum manna, sem veitir auki\u00f0 \u00f6ryggislag.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Skortur_a_kunnattu\"><\/span><strong>#5. Skortur \u00e1 kunn\u00e1ttu<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Skortur \u00e1 uppl\u00fdsingat\u00e6knikunn\u00e1ttu hefur haft \u00e1hrif \u00e1 fj\u00e1rm\u00e1la\u00fej\u00f3nustui\u00f0na\u00f0inn undanfarin \u00e1r. Sem sl\u00edk er erfitt a\u00f0 innlei\u00f0a RPA lausnir \u00e1n reynslu og s\u00e9rfr\u00e6\u00f0i\u00feekkingar uppl\u00fdsingat\u00e6knis\u00e9rfr\u00e6\u00f0inga.<\/p>\n<p>\u00c1rangursr\u00edk upptaka RPA krefst dj\u00faps skilnings \u00e1 t\u00e6kninni, \u00fear me\u00f0 tali\u00f0 m\u00f6guleikum hennar og takm\u00f6rkunum. <a href=\"https:\/\/www.zaptest.com\/is\">ZAPTEST<\/a> Enterprise notendur geta n\u00fdtt s\u00e9r s\u00e9rstakan ZAP s\u00e9rfr\u00e6\u00f0ing sem getur unni\u00f0 n\u00e1i\u00f0 me\u00f0 \u00feeim til a\u00f0 skilja kr\u00f6fur og hj\u00e1lpa til vi\u00f0 a\u00f0 innlei\u00f0a RPA lausnir bygg\u00f0ar \u00e1 bestu starfsvenjum i\u00f0na\u00f0arins. \u00deessi vi\u00f0b\u00f3t getur hj\u00e1lpa\u00f0 teymum a\u00f0 sigrast \u00e1 hlutfallslegum skorti \u00e1 RPA s\u00e9rfr\u00e6\u00f0ingum.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"RPA_i_throun_bankaidnadar\"><\/span><strong>RPA \u00ed \u00fer\u00f3un bankai\u00f0na\u00f0ar<\/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=\"rpa \u00fer\u00f3un\" 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>Fj\u00e1rm\u00e1la\u00fej\u00f3nustui\u00f0na\u00f0urinn f\u00e6rist hratt til a\u00f0 breg\u00f0ast vi\u00f0 breyttum kr\u00f6fum neytenda og regluger\u00f0a. Vi\u00f0 skulum kanna nokkrar af \u00fer\u00f3un RPA \u00ed fj\u00e1rm\u00e1lum og bankastarfsemi.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Snjoll_sjalfvirkni\"><\/span><strong>#1. Snj\u00f6ll sj\u00e1lfvirkni<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.zaptest.com\/is\/intelligent-process-automation-vs-rpa-mismunur-commonalities-tools-intersections-skorun\">Greind sj\u00e1lfvirkni<\/a> (IA) felur \u00ed s\u00e9r a\u00f0 nota a\u00f0rar tegundir gervigreindar \u00ed tengslum vi\u00f0 RPA verkf\u00e6ri. Sum t\u00e6kninnar sem h\u00e9r er um a\u00f0 r\u00e6\u00f0a eru greindur skjalavinnsla (IDP) og v\u00e9lan\u00e1m.<\/p>\n<p>A\u00f0 b\u00e6ta vi\u00f0 \u00feessum verkf\u00e6rum yfirst\u00edgur e\u00f0lisl\u00e6gar takmarkanir RPA vi\u00f0 a\u00f0 takast \u00e1 vi\u00f0 \u00f3skipul\u00f6g\u00f0 g\u00f6gn og getu til \u00e1kvar\u00f0anat\u00f6ku. Ni\u00f0ursta\u00f0an er s\u00fa a\u00f0 umfang sj\u00e1lfvirkra verkefna eykst, sem gerir fj\u00e1rm\u00e1lastofnunum kleift a\u00f0 gera meira.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_RPA_sem_byggir_a_skyjum\"><\/span><strong>#2. RPA sem byggir \u00e1 sk\u00fdjum<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>\u00de\u00f3 a\u00f0 snemma RPA kerfi hafi venjulega veri\u00f0 \u00e1 sta\u00f0num, hefur \u00e1 s\u00ed\u00f0ustu \u00e1rum or\u00f0i\u00f0 vart vi\u00f0 merkilega breytingu \u00ed \u00e1tt a\u00f0 sk\u00fdjatengdum verkf\u00e6rum. \u00dea\u00f0 eru margir kostir vi\u00f0 \u00feennan rofa, \u00fear \u00e1 me\u00f0al \u00f6ruggan fjara\u00f0gang fyrir dreif\u00f0 teymi.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Generative_AI\"><\/span><strong>#3. Generative AI<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Generative AI hefur \u00e1hrif \u00ed fj\u00f6lm\u00f6rgum atvinnugreinum, \u00fear sem banka- og fj\u00e1rm\u00e1lageirinn er ekkert \u00f6\u00f0ruv\u00edsi. \u00dea\u00f0 eru fullt af mismunandi notkunartilfellum, \u00fear \u00e1 me\u00f0al a\u00f0sto\u00f0arm\u00f6nnum spjallbotna, efnisger\u00f0 og sk\u00fdrsluger\u00f0. Bankar og fj\u00e1rm\u00e1la\u00fej\u00f3nusta geta einnig byggt upp s\u00edn eigin gervigreind til a\u00f0 takast \u00e1 vi\u00f0 reglur um fj\u00e1rhags- og pers\u00f3nuuppl\u00fdsingar.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Adstod_RPA\"><\/span><strong>#4. A\u00f0sto\u00f0 RPA<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>\u00de\u00f3 a\u00f0 RPA \u00e1n a\u00f0sto\u00f0ar s\u00e9 enn vins\u00e6lasta brag\u00f0i\u00f0 af sj\u00e1lfvirkni sem er \u00ed notkun \u00ed vi\u00f0skiptaheiminum, \u00fe\u00e1 er Assisted RPA vaxandi mikilv\u00e6gi. \u00deessi verkf\u00e6ri munu sauma \u00f3a\u00f0finnanlega innan vinnufl\u00e6\u00f0is starfsmanns. Til d\u00e6mis g\u00e6ti \u00fej\u00f3nustufulltr\u00fai gert sj\u00e1lfvirkan gagna\u00f6flun e\u00f0a \u00farvinnslu verkefna \u00e1 flugu, sem lei\u00f0ir til mun meiri framlei\u00f0ni og a\u00f0 lokum \u00e1n\u00e6g\u00f0ari neytendur.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Framtid_sjalfvirkni_i_bankabransanum\"><\/span><strong>Framt\u00ed\u00f0 sj\u00e1lfvirkni \u00ed bankabransanum<\/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=\"framt\u00ed\u00f0 rpa\" width=\"628\" height=\"353\"><\/p>\n<p>Robotic Process Automation \u00ed fj\u00e1rm\u00e1lum og bankastarfsemi er vel \u00feekkt. Hins vegar hefur \u00fea\u00f0 n\u00f3g pl\u00e1ss til a\u00f0 vaxa \u00e1 \u00e1hugaver\u00f0an og n\u00fdst\u00e1rlegan h\u00e1tt.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Ofsjalfvirkni\"><\/span><strong>#1. Ofsj\u00e1lfvirkni<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Gagnagreining, gervigreind, n\u00e1tt\u00faruleg m\u00e1lvinnsla (NLP) og RPA munu renna saman til a\u00f0 b\u00faa til banka- og fj\u00e1rm\u00e1lakerfi sem gera allt m\u00f6gulegt sj\u00e1lfvirkt, fr\u00e1 bakendaferlum til framenda vinnufl\u00e6\u00f0is. \u00deessi fram\u00farstefnulegi \u00e1fangasta\u00f0ur er kalla\u00f0ur <a href=\"https:\/\/www.zaptest.com\/hyperautomation\">Hyperautomation<\/a> .<\/p>\n<p>\u00dea\u00f0 eru nokkrar lei\u00f0ir sem ofsj\u00e1lfvirkni g\u00e6ti fari\u00f0 \u00ed bankageiranum. Fyrir utan v\u00e9lmennaferli sj\u00e1lfvirkni \u00ed fj\u00e1rm\u00e1lum og b\u00f3khaldsverkefnum g\u00e6tum vi\u00f0 s\u00e9\u00f0 samvinnu manna og t\u00f6lvu \u00e1 h\u00e6rra stigi, \u00fear sem v\u00e9lan\u00e1m og greiningar m\u00e6la me\u00f0 \u00e1kv\u00f6r\u00f0unum um sam\u00feykki manna.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Mjog_personuleg_honnun_an_koda_forrita\"><\/span><strong>#2. Mj\u00f6g pers\u00f3nuleg h\u00f6nnun \u00e1n k\u00f3\u00f0a forrita<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Ums\u00f3knarh\u00f6nnun innan bankabransans er fl\u00f3kin. A\u00f0 miklu leyti hefur \u00fea\u00f0 a\u00f0 gera me\u00f0 str\u00f6ngum l\u00f6gum um fj\u00e1rhags- og pers\u00f3nuuppl\u00fdsingar. Hins vegar munu forrit \u00e1n k\u00f3\u00f0a koma \u00ed r\u00fdmi\u00f0 \u00fe\u00f6kk s\u00e9 RPA verkf\u00e6rum me\u00f0 gervigreind og API. <a href=\"https:\/\/www.zaptest.com\/is\/heildarleidbeiningar-um-sjalfvirkni-hugbunadarprofunar\">Sj\u00e1lfvirkni hugb\u00fana\u00f0arpr\u00f3funar<\/a> mun vera st\u00f3r hluti af \u00fev\u00ed a\u00f0 tryggja b\u00e6\u00f0i heilleika og \u00f6ryggi \u00feessa hugb\u00fana\u00f0ar, sem h\u00e6gt er a\u00f0 sn\u00ed\u00f0a \u00ed kringum einstaklingsvinnufl\u00e6\u00f0i e\u00f0a fyrirt\u00e6kjamenningu.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Forsparuppgotvun_svika\"><\/span><strong>#3. Forsp\u00e1ruppg\u00f6tvun svika<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Uppg\u00f6tvun svika er miki\u00f0 \u00e1hyggjuefni fyrir fj\u00e1rm\u00e1lastofnanir. \u00cd Bretlandi kostu\u00f0u svik banka um 1,2 milljar\u00f0a punda \u00e1ri\u00f0 2022. V\u00e9lan\u00e1mst\u00e6ki eru n\u00fa \u00feegar \u00ed notkun \u00ed gegnum RPA \u00ed fj\u00e1rm\u00e1lum og b\u00f3khaldi og \u00feau eru dugleg a\u00f0 greina svik. Hins vegar, \u00ed framt\u00ed\u00f0inni, g\u00e6tu n\u00e6gilega vel \u00fej\u00e1lfa\u00f0ir ML reiknirit sp\u00e1\u00f0 fyrir um l\u00edkurnar \u00e1 svikum \u00feegar ums\u00f3kn er l\u00f6g\u00f0 fram e\u00f0a byggt \u00e1 \u00e1kve\u00f0nu setti skrefa. Kostna\u00f0arsparna\u00f0ar\u00e1hrifin eru gr\u00ed\u00f0arleg.<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Lokahugsanir\"><\/span><strong>Lokahugsanir<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p>Robotic Process Automation \u00ed banka og fj\u00e1rm\u00e1lum er hra\u00f0virkt og spennandi r\u00fdmi. N\u00fat\u00edmav\u00e6\u00f0ingin og aukin t\u00e6knif\u00e1gun \u00ed fj\u00e1rm\u00e1la\u00fej\u00f3nustugeiranum \u00fe\u00fd\u00f0ir a\u00f0 RPA banka er ekki bara gott a\u00f0 eiga heldur mikilv\u00e6gt til a\u00f0 keppa vi\u00f0 keppinauta \u00fe\u00edna.<\/p>\n<p>A\u00f0 sleppa \u00far l\u00e6\u00f0ingi krafti v\u00e9lr\u00e6nnar a\u00f0fer\u00f0a sj\u00e1lfvirkni \u00ed fj\u00e1rm\u00e1lum og bankastarfsemi b\u00e6tir skilvirkni og fylgi vi\u00f0 samr\u00e6missta\u00f0la og sparar peninga. Eftir \u00fev\u00ed sem bankar ver\u00f0a vi\u00f0skiptami\u00f0a\u00f0ari starfsemi mun sj\u00e1lfvirkni fj\u00e1rm\u00e1la hj\u00e1lpa til vi\u00f0 a\u00f0 skila betri upplifun vi\u00f0skiptavina og aukinni s\u00e9rstillingu, s\u00e9rstaklega \u00feegar \u00fea\u00f0 er sameina\u00f0 gervigreindarverkf\u00e6rum. Strauml\u00ednulaga\u00f0ur rekstur mun skila sparna\u00f0i til notenda, en n\u00fdst\u00e1rlegar v\u00f6rur munu m\u00e6ta eftirspurn eftir \u00f6ppum sem hj\u00e1lpa notendum a\u00f0 spara, gera fj\u00e1rhags\u00e1\u00e6tlun og n\u00e1 l\u00edfsmarkmi\u00f0um.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>V\u00e9lr\u00e6n ferli sj\u00e1lfvirkni \u00ed banka og fj\u00e1rm\u00e1lum er eitt \u00f6flugasta og sannf\u00e6randi notkunartilvik sj\u00e1lfvirkni t\u00e6kni. Sj\u00e1lfvirkni vi\u00f0skipta hefur veri\u00f0 \u00fatbreidd fr\u00e1 1970 og 1980, en RPA er a\u00f0 opna fyrir a\u00f0ra tegund af v\u00e9lv\u00e6\u00f0ingu me\u00f0 meiri \u00e1herslu \u00e1 a\u00f0 draga \u00far kostna\u00f0i og b\u00e6ta upplifun neytenda. Bankastarfsemi RPA hefur einnig gert fyrirt\u00e6kjum kleift a\u00f0 breg\u00f0ast [&hellip;]<\/p>\n","protected":false},"author":14624,"featured_media":74192,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"Robotic Process Automation (RPA) \u00ed banka og fj\u00e1rm\u00e1lum","_seopress_titles_desc":"L\u00e6r\u00f0u um RPA \u00ed fj\u00e1rm\u00e1lum og bankastarfsemi: marka\u00f0sst\u00e6r\u00f0, \u00fe\u00e6ttir sem hafa \u00e1hrif \u00e1 sj\u00e1lfvirkni v\u00e9lf\u00e6rafr\u00e6\u00f0iferla \u00e1 \u00feessum svi\u00f0um, \u00e1skoranir RPA \u00ed fj\u00e1rm\u00e1lum og fleira!","_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":[335],"tags":[],"class_list":{"0":"post-74180","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-velfaerafraedi-sjalfvirkni"},"acf":{"short_name":"RPA \u00ed fj\u00e1rm\u00e1lum og bankastarfsemi"},"_links":{"self":[{"href":"https:\/\/www.zaptest.com\/is\/wp-json\/wp\/v2\/posts\/74180","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.zaptest.com\/is\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.zaptest.com\/is\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.zaptest.com\/is\/wp-json\/wp\/v2\/users\/14624"}],"replies":[{"embeddable":true,"href":"https:\/\/www.zaptest.com\/is\/wp-json\/wp\/v2\/comments?post=74180"}],"version-history":[{"count":0,"href":"https:\/\/www.zaptest.com\/is\/wp-json\/wp\/v2\/posts\/74180\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.zaptest.com\/is\/wp-json\/wp\/v2\/media\/74192"}],"wp:attachment":[{"href":"https:\/\/www.zaptest.com\/is\/wp-json\/wp\/v2\/media?parent=74180"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.zaptest.com\/is\/wp-json\/wp\/v2\/categories?post=74180"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.zaptest.com\/is\/wp-json\/wp\/v2\/tags?post=74180"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}