{"id":73497,"date":"2023-12-11T14:23:19","date_gmt":"2023-12-11T14:23:19","guid":{"rendered":"https:\/\/www.zaptest.com\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari"},"modified":"2024-01-03T15:17:46","modified_gmt":"2024-01-03T15:17:46","slug":"automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari","status":"publish","type":"post","link":"https:\/\/www.zaptest.com\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari","title":{"rendered":"Automatizarea robotic\u0103 a proceselor (RPA) \u00een asigur\u0103ri &#8211; Studii de caz, exemple, beneficii \u0219i provoc\u0103ri"},"content":{"rendered":"<p><a href=\"https:\/\/www.zaptest.com\/rpa\">Automatizarea proceselor robotice<\/a> \u00een asigur\u0103ri este \u00een cre\u0219tere. La fel ca \u0219i \u00een alte industrii care au multe sarcini repetitive \u0219i bazate pe reguli, RPA poate ajuta organiza\u021biile s\u0103 realizeze procese mai rapide, mai rentabile \u0219i f\u0103r\u0103 erori, care s\u0103 elibereze personalul existent pentru a face o munc\u0103 mai orientat\u0103 spre valoare.<\/p>\n<p>Subscrierea poli\u021belor \u0219i automatizarea cererilor de desp\u0103gubire sunt dou\u0103 dintre cele mai importante utiliz\u0103ri ale RPA \u00een sectorul asigur\u0103rilor. Cu toate acestea, tehnologia poate ajuta, de asemenea, la o serie de sarcini, cum ar fi \u00eembun\u0103t\u0103\u021birea experien\u021bei clien\u021bilor \u0219i gestionarea schimb\u0103rilor din cadrul cadrului de reglementare.<\/p>\n<p>Acest articol va analiza RPA \u00een industria asigur\u0103rilor \u0219i va examina dimensiunea pie\u021bei, beneficiile, tendin\u021bele, provoc\u0103rile, cazurile de utilizare \u0219i studiile de caz.<\/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\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#Dimensiunea_pietei_RPA_in_asigurari\" >Dimensiunea pie\u021bei RPA \u00een asigur\u0103ri<\/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\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#Factorii_care_influenteaza_cresterea\" >Factorii care influen\u021beaz\u0103 cre\u0219terea<\/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\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#RPA_in_asigurari\" >RPA \u00een asigur\u0103ri<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.zaptest.com\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#1_Schimbarea_peisajului_de_reglementare\" >#1. Schimbarea peisajului de reglementare<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.zaptest.com\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#2_Deficitul_de_competente\" >#2. Deficitul de competen\u021be<\/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\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#3_Transformarea_digitala\" >#3. Transformarea digital\u0103<\/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\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#4_Presiunea_de_reducere_a_costurilor\" >#4. Presiunea de reducere a costurilor<\/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\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#5_Schimbarea_cerintelor_consumatorilor\" >#5. Schimbarea cerin\u021belor consumatorilor<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.zaptest.com\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#Beneficiile_RPA_in_asigurari\" >Beneficiile RPA \u00een asigur\u0103ri<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.zaptest.com\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#1_Eficienta_operationala_crescuta\" >#1. Eficien\u021b\u0103 opera\u021bional\u0103 crescut\u0103<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.zaptest.com\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#2_Costuri_reduse\" >#2. Costuri reduse<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.zaptest.com\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#3_Cresterea_satisfactiei_la_locul_de_munca\" >#3. Cre\u0219terea satisfac\u021biei la locul de munc\u0103<\/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\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#4_Experiente_mai_bune_pentru_clienti\" >#4. Experien\u021be mai bune pentru clien\u021bi<\/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\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#5_Precizie_crescuta\" >#5. Precizie crescut\u0103<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.zaptest.com\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#Cazuri_de_utilizare_a_proceselor_robotizate\" >Cazuri de utilizare a proceselor robotizate<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.zaptest.com\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#Automatizarea_in_asigurari\" >Automatizarea \u00een asigur\u0103ri<\/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\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#1_Prelucrarea_cererilor_de_rambursare\" >#1. Prelucrarea cererilor de rambursare<\/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\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#2_Subscriere\" >#2. Subscriere<\/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\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#3_Administrarea_politicii\" >#3. Administrarea politicii<\/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\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#4_Conformitatea_cu_reglementarile\" >#4. Conformitatea cu reglement\u0103rile<\/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\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#4_Imbunatatirea_software-ului_mostenit\" >#4. \u00cembun\u0103t\u0103\u021birea software-ului mo\u0219tenit<\/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\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#5_Serviciul_clienti\" >#5. Serviciul clien\u021bi<\/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\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#6_Invatare_automata_si_analiza_de_date\" >#6. \u00cenv\u0103\u021bare automat\u0103 \u0219i analiz\u0103 de date<\/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\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#7_Marketing\" >#7. Marketing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.zaptest.com\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#8_Procesarea_inteligenta_a_documentelor_IDP\" >#8. Procesarea inteligent\u0103 a documentelor (IDP)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/www.zaptest.com\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#Studii_de_caz_RPA_in_asigurari\" >Studii de caz RPA \u00een asigur\u0103ri<\/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\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#Studiu_de_caz_RPA_in_domeniul_asigurarilor_1\" >Studiu de caz RPA \u00een domeniul asigur\u0103rilor #1<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/www.zaptest.com\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#Studiu_de_caz_RPA_in_domeniul_asigurarilor_2\" >Studiu de caz RPA \u00een domeniul asigur\u0103rilor #2<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/www.zaptest.com\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#Studiu_de_caz_RPA_in_domeniul_asigurarilor_3\" >Studiu de caz RPA \u00een domeniul asigur\u0103rilor #3<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/www.zaptest.com\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#Provocarile_implementarii_RPA\" >Provoc\u0103rile implement\u0103rii RPA<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/www.zaptest.com\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#in_sectorul_asigurarilor\" >\u00een sectorul asigur\u0103rilor<\/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\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#1_Infrastructura_mostenita\" >#1. Infrastructur\u0103 mo\u0219tenit\u0103<\/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\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#2_Calitatea_datelor\" >#2. Calitatea datelor<\/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\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#3_Procesul_decizional_complex\" >#3. Procesul decizional complex<\/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\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#4_Conformitate\" >#4. Conformitate<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/www.zaptest.com\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#Tendinte_RPA_in_asigurari\" >Tendin\u021be RPA \u00een asigur\u0103ri<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/www.zaptest.com\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#1_Comunicare_omnichannel\" >#1. Comunicare omnichannel<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/www.zaptest.com\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#2_Evaluarea_riscurilor_asistata_de_IA\" >#2. Evaluarea riscurilor asistat\u0103 de IA<\/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\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#3_Instrumente_cu_cod_redus_si_fara_cod_si_automatizarea_testelor\" >#3. Instrumente cu cod redus \u0219i f\u0103r\u0103 cod \u0219i automatizarea testelor<\/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\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#4_RPA_gestionat\" >#4. RPA gestionat<\/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\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#5_Centre_de_excelenta_RPA_CoE\" >#5. Centre de excelen\u021b\u0103 RPA (CoE)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/www.zaptest.com\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#Viitorul_proceselor_robotizate\" >Viitorul proceselor robotizate<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/www.zaptest.com\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#Automatizarea_in_asigurari-2\" >Automatizarea \u00een asigur\u0103ri<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-44\" href=\"https:\/\/www.zaptest.com\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#1_Asigurare_asistata_RPA\" >1. Asigurare asistat\u0103 RPA<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-45\" href=\"https:\/\/www.zaptest.com\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#2_Hiperautomatizare\" >2. Hiperautomatizare<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-46\" href=\"https:\/\/www.zaptest.com\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#3_Telematica_si_IoT\" >3. Telematic\u0103 \u0219i IoT<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-47\" href=\"https:\/\/www.zaptest.com\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#4_Modele_complexe_de_risc\" >4. Modele complexe de risc<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-48\" href=\"https:\/\/www.zaptest.com\/ro\/automatizarea-robotica-a-proceselor-rpa-in-asigurari-studii-de-caz-exemple-beneficii-si-provocari\/#Ganduri_finale\" >G\u00e2nduri finale<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Dimensiunea_pietei_RPA_in_asigurari\"><\/span><strong>Dimensiunea pie\u021bei RPA \u00een asigur\u0103ri<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-73209\" src=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Picture-1.png\" alt=\"Dimensiunea pie\u021bei RPA \u00een asigur\u0103ri\" width=\"750\" height=\"526\" srcset=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Picture-1.png 750w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Picture-1-480x337.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 750px, 100vw\" \/><\/p>\n<p>Automatizarea global\u0103 a proceselor robotice \u00een sectorul asigur\u0103rilor valoreaz\u0103 peste <a href=\"https:\/\/www.maximizemarketresearch.com\/market-report\/rpa-in-insurance-market\/215442\/\"> 100 de milioane de dolari \u00een 2023<\/a>. Cu toate acestea, cu o cre\u0219tere anual\u0103 compus\u0103 puternic\u0103 de aproximativ 28%, anali\u0219tii se a\u0219teapt\u0103 ca dimensiunea<a href=\"https:\/\/www.researchandmarkets.com\/reports\/5781804\/rpa-in-insurance-market-component-deployment?utm_source=GNE&amp;utm_medium=PressRelease&amp;utm_code=53mllz&amp;utm_campaign=1846356+-+Global+RPA+in+Insurance+Market+Report+2023%3a+Sector+is+Expected+to+Reach+%241.2+Billion+by+2031+at+a+CAGR+of+28.3%25&amp;utm_exec=jamu273prd\"> pie\u021bei de<\/a> asigur\u0103ri<a href=\"https:\/\/www.researchandmarkets.com\/reports\/5781804\/rpa-in-insurance-market-component-deployment?utm_source=GNE&amp;utm_medium=PressRelease&amp;utm_code=53mllz&amp;utm_campaign=1846356+-+Global+RPA+in+Insurance+Market+Report+2023%3a+Sector+is+Expected+to+Reach+%241.2+Billion+by+2031+at+a+CAGR+of+28.3%25&amp;utm_exec=jamu273prd\"> s\u0103 dep\u0103\u0219easc\u0103 1,2 miliarde de dolari p\u00e2n\u0103 \u00een 2032<\/a>.<\/p>\n<p>America de Nord (427 milioane de dolari) \u0219i Europa (325 milioane de dolari) reprezint\u0103 cea mai mare parte a pie\u021bei globale. Cu toate acestea, aproximativ o cincime din cheltuieli provin din Asia-Pacific, iar aceast\u0103 pondere este de a\u0219teptat s\u0103 creasc\u0103 considerabil pe m\u0103sur\u0103 ce regiunea \u00ee\u0219i continu\u0103 traiectoria de transformare digital\u0103.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Factorii_care_influenteaza_cresterea\"><\/span><strong>Factorii care influen\u021beaz\u0103 cre\u0219terea  <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"RPA_in_asigurari\"><\/span><strong>RPA \u00een asigur\u0103ri<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img data-dominant-color=\"dbd8d1\" data-has-transparency=\"false\" style=\"--dominant-color: #dbd8d1;\" decoding=\"async\" class=\"aligncenter wp-image-73210 not-transparent\" src=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-Insurance-Case-Studies-Examples-Benefits-Challenges-1024x683.webp\" alt=\"Automatizarea robotic\u0103 a proceselor (RPA) \u00een asigur\u0103ri - Studii de caz, exemple, beneficii \u0219i provoc\u0103ri\" width=\"629\" height=\"419\" srcset=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-Insurance-Case-Studies-Examples-Benefits-Challenges-1024x683.webp 1024w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-Insurance-Case-Studies-Examples-Benefits-Challenges-300x200.webp 300w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-Insurance-Case-Studies-Examples-Benefits-Challenges-768x512.webp 768w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-Insurance-Case-Studies-Examples-Benefits-Challenges-1536x1024.webp 1536w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-Insurance-Case-Studies-Examples-Benefits-Challenges-1080x720.webp 1080w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-Insurance-Case-Studies-Examples-Benefits-Challenges-1280x853.webp 1280w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-Insurance-Case-Studies-Examples-Benefits-Challenges-980x653.webp 980w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-Insurance-Case-Studies-Examples-Benefits-Challenges-480x320.webp 480w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-Insurance-Case-Studies-Examples-Benefits-Challenges-jpeg.webp 1920w\" sizes=\"(max-width: 629px) 100vw, 629px\" \/><\/p>\n<p>Adoptarea rapid\u0103 a <a href=\"https:\/\/www.zaptest.com\/ro\/un-ghid-complet-pentru-automatizarea-proceselor-robotice-rpa\">RPA<\/a> \u00een industria asigur\u0103rilor este determinat\u0103 de un set complex de factori. S\u0103 explor\u0103m c\u00e2teva dintre problemele specifice industriei pe care le rezolv\u0103 RPA.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Schimbarea_peisajului_de_reglementare\"><\/span><strong>#1. Schimbarea peisajului de reglementare<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Reglement\u0103rile din industria asigur\u0103rilor sunt \u00een continu\u0103 evolu\u021bie. Tehnologia, condi\u021biile economice \u0219i interven\u021biile din partea grupurilor politice sau de consumatori au dus la schimb\u0103ri \u00een acest sector \u00een ultima vreme, ceea ce a f\u0103cut ca unii asigur\u0103tori s\u0103 se str\u0103duiasc\u0103 s\u0103 \u021bin\u0103 pasul. Cu toate acestea, <a href=\"https:\/\/insurance-edge.net\/2023\/11\/14\/5-6bn-worth-of-compliance-fines-levied-each-quarter-says-corlytics\/\">nerespectarea reglement\u0103rilor poate duce la amenzi mari<\/a>.<\/p>\n<p>Instrumentele RPA permit asigur\u0103torilor s\u0103 colecteze date, s\u0103 creeze rapoarte \u0219i s\u0103 automatizeze alte sarcini de conformitate.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Deficitul_de_competente\"><\/span><strong>#2. Deficitul de competen\u021be<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><a href=\"https:\/\/www.inseta.org.za\/wp-content\/uploads\/2019\/01\/Part-2-Focus-on-the-Short-Term-Insurance-Industry.pdf\">Industria asigur\u0103rilor sufer\u0103 de un deficit de competen\u021be.<\/a> \u00centr-adev\u0103r, anul trecut, \u00een Marea Britanie, <a href=\"https:\/\/www.insurancejournal.com\/news\/international\/2022\/08\/10\/679477.htm\">firmele au avut cinci posturi vacante la fiecare 100 de posturi<\/a>. Unele dintre aceste roluri includ actuari, subscriptori \u0219i strategi.<\/p>\n<p>Automatizarea proceselor de asigurare poate ajuta la rezolvarea acestor probleme prin furnizarea unei for\u021be de munc\u0103 digitale care poate efectua sarcini repetitive, de volum mare. Aceast\u0103 asisten\u021b\u0103 \u00eei elibereaz\u0103 pe angaja\u021bii existen\u021bi pentru a se ocupa de locuri de munc\u0103 cu mai mult\u0103 valoare, ceea ce \u00eenseamn\u0103 c\u0103 angajatorii pot face mai mult cu mai pu\u021bin.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Transformarea_digitala\"><\/span><strong>#3. Transformarea digital\u0103<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Sectorul asigur\u0103rilor este unul care utilizeaz\u0103 intensiv datele. \u00cen ultimii ani, sectorul a trecut printr-o transformare digital\u0103 pentru a r\u0103spunde nevoilor \u00een evolu\u021bie ale clien\u021bilor. Cererea consumatorilor, \u00eempreun\u0103 cu o concuren\u021b\u0103 sporit\u0103 \u0219i o nevoie evident\u0103 de eficien\u021b\u0103, \u00eenseamn\u0103 c\u0103 firmele de asigur\u0103ri trebuie s\u0103 adopte tehnologiile digitale pentru a r\u0103m\u00e2ne \u00een fa\u021ba curbei.<\/p>\n<p>Alte progrese tehnologice, cum ar fi AI, ML \u0219i cloud computing, au creat oportunit\u0103\u021bi pentru firmele de asigur\u0103ri. RPA poate contribui la integrarea acestor instrumente \u00een cadrul ecosistemelor de reglementare a tehnologiilor de asigurare \u0219i poate permite o transformare digital\u0103 mai avansat\u0103.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Presiunea_de_reducere_a_costurilor\"><\/span><strong>#4. Presiunea de reducere a costurilor<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Pre\u021burile asigur\u0103rilor au crescut vertiginos de ani de zile. Exist\u0103 o multitudine de factori care influen\u021beaz\u0103 costurile ridicate ale primelor, inclusiv costurile de plat\u0103 a desp\u0103gubirilor, fraudele \u0219i cre\u0219terea conformit\u0103\u021bii cu reglement\u0103rile.<\/p>\n<p>Contrar credin\u021bei populare, companiile de asigur\u0103ri nu au marje de profit uria\u0219e. De fapt, acestea func\u021bioneaz\u0103 de obicei cu o marj\u0103 de aproximativ <a href=\"https:\/\/www.investopedia.com\/ask\/answers\/052515\/what-usual-profit-margin-company-insurance-sector.asp#toc-insurers-and-profit-margins\">2% p\u00e2n\u0103 la 3%<\/a>. Cu toate acestea, percep\u021bia publicului este c\u0103 aceste \u00eentreprinderi ob\u021bin profituri excesive.<\/p>\n<p>Instrumentele RPA permit firmelor de asigur\u0103ri s\u0103 func\u021bioneze mai eficient din punct de vedere al costurilor, ceea ce poate reduce costul primelor pentru utilizatorii lor. Prin reducerea dependen\u021bei de for\u021ba de munc\u0103 uman\u0103, firmele pot oferi servicii ra\u021bionalizate f\u0103r\u0103 a face compromisuri \u00een ceea ce prive\u0219te calitatea.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Schimbarea_cerintelor_consumatorilor\"><\/span><strong>#5. Schimbarea cerin\u021belor consumatorilor<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Concuren\u021ba \u00een industria asigur\u0103rilor este imens\u0103, iar lupta pentru clien\u021bi se duce din ce \u00een ce mai mult prin furnizarea de servicii mai bune. Sectorul asigur\u0103rilor trebuie s\u0103 r\u0103spund\u0103 cererii consumatorilor de poli\u021be mai eficiente din punct de vedere al costurilor \u0219i mai u\u0219or de \u00een\u021beles. Op\u021biunile de autoservire a clien\u021bilor, cum ar fi automatizarea proces\u0103rii cererilor de desp\u0103gubire, pot ajuta firmele de asigur\u0103ri s\u0103 r\u0103spund\u0103 a\u0219tept\u0103rilor moderne.<\/p>\n<p>RPA ajut\u0103 la eficientizarea acestor procese, iar atunci c\u00e2nd este completat\u0103 cu alte instrumente de inteligen\u021b\u0103 artificial\u0103, cum ar fi inteligen\u021ba artificial\u0103 generativ\u0103, tehnologia poate gestiona \u00eentreb\u0103rile clien\u021bilor \u0219i \u00eei poate ajuta cu cererile.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Beneficiile_RPA_in_asigurari\"><\/span><strong>Beneficiile RPA \u00een asigur\u0103ri<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img data-dominant-color=\"72655d\" data-has-transparency=\"false\" style=\"--dominant-color: #72655d;\" decoding=\"async\" class=\"aligncenter wp-image-73097 not-transparent\" src=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-HR-Case-Studies-Examples-Benefits-Challenges-in-Human-Resources-1024x679.webp\" alt=\"Automatizarea robotic\u0103 a proceselor (RPA) \u00een domeniul resurselor umane: Studii de caz, exemple, beneficii \u0219i provoc\u0103ri \u00een domeniul resurselor umane\" width=\"541\" height=\"359\" srcset=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-HR-Case-Studies-Examples-Benefits-Challenges-in-Human-Resources-1024x679.webp 1024w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-HR-Case-Studies-Examples-Benefits-Challenges-in-Human-Resources-300x199.webp 300w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-HR-Case-Studies-Examples-Benefits-Challenges-in-Human-Resources-768x509.webp 768w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-HR-Case-Studies-Examples-Benefits-Challenges-in-Human-Resources-1536x1018.webp 1536w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-HR-Case-Studies-Examples-Benefits-Challenges-in-Human-Resources-1080x716.webp 1080w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-HR-Case-Studies-Examples-Benefits-Challenges-in-Human-Resources-1280x849.webp 1280w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-HR-Case-Studies-Examples-Benefits-Challenges-in-Human-Resources-980x650.webp 980w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-HR-Case-Studies-Examples-Benefits-Challenges-in-Human-Resources-480x318.webp 480w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-in-HR-Case-Studies-Examples-Benefits-Challenges-in-Human-Resources-jpeg.webp 1920w\" sizes=\"(max-width: 541px) 100vw, 541px\" \/><\/p>\n<p>RPA a devenit popular\u0103 \u00een cadrul ni\u0219ei asigur\u0103rilor din mai multe motive conving\u0103toare. S\u0103 analiz\u0103m de ce firmele din sectorul asigur\u0103rilor adopt\u0103 solu\u021bii RPA.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Eficienta_operationala_crescuta\"><\/span><strong>#1. Eficien\u021b\u0103 opera\u021bional\u0103 crescut\u0103<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Toate \u00eentreprinderile t\u00e2njesc s\u0103 \u00ee\u0219i sporeasc\u0103 eficien\u021ba opera\u021bional\u0103, dar, av\u00e2nd \u00een vedere concuren\u021ba at\u00e2t de acerb\u0103 din sectorul asigur\u0103rilor, firmele se confrunt\u0103 cu un nivel suplimentar de presiune. Din fericire, asigur\u0103rile sunt pline de sarcini care pot fi optimizate datorit\u0103 RPA pentru procesarea cererilor de desp\u0103gubire, serviciul clien\u021bi, subscrierea \u0219i multe altele.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Costuri_reduse\"><\/span><strong>#2. Costuri reduse<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Robo\u021bii RPA permit echipelor de asigur\u0103ri s\u0103 aib\u0103 acces la o for\u021b\u0103 de munc\u0103 digital\u0103 care lucreaz\u0103 24-7, 365 de zile pe an. Aceste instrumente nu obosesc niciodat\u0103, nu au nevoie de pauz\u0103 \u0219i nu cer o m\u0103rire de salariu. Automatizarea ajut\u0103 echipele de asigur\u0103ri s\u0103 \u00ee\u0219i reduc\u0103 num\u0103rul de angaja\u021bi sau s\u0103 roteasc\u0103 lucr\u0103torii \u00een roluri mai apropiate de client, orientate spre valoare.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Cresterea_satisfactiei_la_locul_de_munca\"><\/span><strong>#3. Cre\u0219terea satisfac\u021biei la locul de munc\u0103<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Gradul de satisfac\u021bie la locul de munc\u0103 \u00een industria asigur\u0103rilor este de <a href=\"https:\/\/www.insurancejournal.com\/research\/research\/agency-salary-survey-2023\/\">64%<\/a>, ceea ce este peste media na\u021bional\u0103 de 57% pentru toate ocupa\u021biile. Cu toate acestea, orele lungi \u0219i stresul frecvent sunt frecvent men\u021bionate de c\u0103tre profesioni\u0219tii din domeniul asigur\u0103rilor ca dezavantaje ale muncii lor. RPA ajut\u0103 la reducerea sarcinilor banale \u0219i repetitive \u0219i permite lucr\u0103torilor s\u0103 se angajeze \u00een sarcini semnificative care \u00eembun\u0103t\u0103\u021besc satisfac\u021bia profesional\u0103.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Experiente_mai_bune_pentru_clienti\"><\/span><strong>#4. Experien\u021be mai bune pentru clien\u021bi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Instrumentele de RPA pot automatiza serviciile \u0219i serviciile de integrare a clien\u021bilor, ceea ce duce la experien\u021be mai rapide \u0219i mai satisf\u0103c\u0103toare. \u00cen plus, firmele de asigur\u0103ri pot automatiza comunicarea \u0219i pot oferi asisten\u021b\u0103 omnichannel, astfel \u00eenc\u00e2t clien\u021bii lor s\u0103 se bucure de interac\u021biuni mai personalizate.<\/p>\n<p>Instrumentele de autoservire a clien\u021bilor \u00eenseamn\u0103, de asemenea, c\u0103 asisten\u021ba este disponibil\u0103 non-stop. Toate aceste detalii \u00eembun\u0103t\u0103\u021besc experien\u021ba clien\u021bilor, oferindu-le acestora ceea ce \u00ee\u0219i doresc.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Precizie_crescuta\"><\/span><strong>#5. Precizie crescut\u0103<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Datorit\u0103 capacit\u0103\u021bii instrumentului RPA de a automatiza sarcinile bazate pe reguli, eroarea uman\u0103 \u0219i inexactit\u0103\u021bile sunt eliminate \u00een mod eficient. Aceste beneficii \u00eenseamn\u0103 o reputa\u021bie \u00eembun\u0103t\u0103\u021bit\u0103, costuri mai mici, experien\u021be mai bune pentru clien\u021bi \u0219i o mai bun\u0103 conformitate cu reglement\u0103rile.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Cazuri_de_utilizare_a_proceselor_robotizate\"><\/span><strong>Cazuri de utilizare a proceselor robotizate  <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Automatizarea_in_asigurari\"><\/span><strong>Automatizarea \u00een asigur\u0103ri<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img data-dominant-color=\"5e535a\" data-has-transparency=\"false\" style=\"--dominant-color: #5e535a;\" decoding=\"async\" class=\"aligncenter wp-image-73211 not-transparent\" src=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Use-cases-of-Robotic-Process-Automation-in-Insurance-1024x683.webp\" alt=\"Cazuri de utilizare a automatiz\u0103rii proceselor robotice \u00een asigur\u0103ri\" width=\"566\" height=\"377\" srcset=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Use-cases-of-Robotic-Process-Automation-in-Insurance-1024x683.webp 1024w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Use-cases-of-Robotic-Process-Automation-in-Insurance-300x200.webp 300w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Use-cases-of-Robotic-Process-Automation-in-Insurance-768x512.webp 768w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Use-cases-of-Robotic-Process-Automation-in-Insurance-1536x1024.webp 1536w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Use-cases-of-Robotic-Process-Automation-in-Insurance-1080x720.webp 1080w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Use-cases-of-Robotic-Process-Automation-in-Insurance-1280x853.webp 1280w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Use-cases-of-Robotic-Process-Automation-in-Insurance-980x653.webp 980w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Use-cases-of-Robotic-Process-Automation-in-Insurance-480x320.webp 480w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Use-cases-of-Robotic-Process-Automation-in-Insurance-jpeg.webp 1920w\" sizes=\"(max-width: 566px) 100vw, 566px\" \/><\/p>\n<p>RPA a transformat industria asigur\u0103rilor prin automatizarea sarcinilor manuale. S\u0103 explor\u0103m c\u00e2teva dintre cele mai conving\u0103toare cazuri de utilizare a RPA \u00een sectorul asigur\u0103rilor.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Prelucrarea_cererilor_de_rambursare\"><\/span><strong>#1. Prelucrarea cererilor de rambursare<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>RPA \u00een procesarea cererilor de desp\u0103gubire ajut\u0103 echipele la introducerea datelor, la recuperarea \u0219i verificarea documentelor \u0219i la distribuirea informa\u021biilor. Atunci c\u00e2nd sunt efectuate manual, aceste sarcini sunt repetitive \u0219i consumatoare de timp, ceea ce \u00eei \u00eendep\u0103rteaz\u0103 pe lucr\u0103tori de la sarcini mai complexe. RPA rezolv\u0103 aceast\u0103 problem\u0103 \u0219i face ca firmele de asigur\u0103ri s\u0103 fie mai rapide \u0219i mai productive, reduc\u00e2nd \u00een acela\u0219i timp costurile de operare.<\/p>\n<p>Automatizarea procesului de solicitare a desp\u0103gubirilor de asigurare faciliteaz\u0103 o mai mare transparen\u021b\u0103 \u0219i actualiz\u0103ri \u00een timp real ale statutului pe o varietate de dispozitive, r\u0103spunz\u00e2nd astfel cerin\u021belor consumatorilor moderni.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Subscriere\"><\/span><strong>#2. Subscriere<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>RPA \u00een subscrierea de asigur\u0103ri \u00eei ajut\u0103 pe angaja\u021bi s\u0103 lucreze mult mai rapid prin automatizarea colect\u0103rii de informa\u021bii, a introducerii de date \u0219i a analizei clien\u021bilor. Subscrierea este piatra de temelie a asigur\u0103rilor, deoarece evaluarea riscului \u0219i stabilirea pre\u021bului poli\u021belor cu acurate\u021be reprezint\u0103 adesea diferen\u021ba dintre succes \u0219i e\u0219ec.<\/p>\n<p>RPA \u00een subscrierea asigur\u0103rilor contribuie la asigurarea unor timpi de procesare mai rapizi, f\u0103r\u0103 a compromite acurate\u021bea sau conformitatea. \u00cen general, acest lucru duce \u0219i la o satisfac\u021bie excelent\u0103 a clien\u021bilor.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Administrarea_politicii\"><\/span><strong>#3. Administrarea politicii<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Odat\u0103 ce poli\u021bele de asigurare au fost v\u00e2ndute, exist\u0103 un volum destul de mare de munc\u0103 administrativ\u0103 pentru a le men\u021bine \u00een stare bun\u0103. RPA ajut\u0103 la re\u00eennoirea poli\u021belor prin automatizarea comunic\u0103rii, emiterea de actualiz\u0103ri ale poli\u021belor \u0219i colectarea primelor.<\/p>\n<p>De asemenea, tehnologia este utilizat\u0103 pentru a actualiza automat politicile \u0219i detaliile clien\u021bilor, asigur\u00e2nd o bun\u0103 calitate a datelor. \u00cen cele din urm\u0103, RPA este o alegere perfect\u0103 pentru anularea poli\u021belor, deoarece automatizeaz\u0103 \u00eenregistr\u0103rile, trimite comunic\u0103ri relevante \u0219i poate chiar procesa ramburs\u0103ri.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Conformitatea_cu_reglementarile\"><\/span><strong>#4. Conformitatea cu reglement\u0103rile<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Respectarea reglement\u0103rilor este o problem\u0103 important\u0103 \u00een sectorul asigur\u0103rilor. Cu toate acestea, firmele pot u\u0219ura sarcina angaja\u021bilor lor prin utilizarea RPA pentru a asigura o colectare \u0219i o raportare a datelor de \u00eenalt\u0103 calitate \u0219i consecvent\u0103.<\/p>\n<p>RPA poate, de asemenea, s\u0103 monitorizeze problemele de conformitate \u0219i s\u0103 le aduc\u0103 \u00een aten\u021bia p\u0103r\u021bilor interne relevante. \u00cen cele din urm\u0103, echipele pot configura robo\u021bi care s\u0103 r\u0103scoleasc\u0103 site-urile web relevante \u0219i organismele de reglementare a comunic\u0103rii pentru actualiz\u0103ri sau modific\u0103ri ale normelor \u0219i s\u0103 se asigure c\u0103 acestea sunt reflectate \u00een liniile directoare ale companiei.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Imbunatatirea_software-ului_mostenit\"><\/span><strong>#4. \u00cembun\u0103t\u0103\u021birea software-ului mo\u0219tenit<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>La fel ca \u0219i \u00een cazul industriilor bancare \u0219i de servicii financiare, sectorul asigur\u0103rilor se bazeaz\u0103 \u00eenc\u0103 pe software vechi. De fapt, un sondaj realizat de Capgemini \u00een urm\u0103 cu c\u00e2\u021biva ani a sugerat c\u0103 aproximativ <a href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2017\/07\/Legacy_Convergence_Due_Diligence__Paving_the_Way_to_Policy_Administration_Transformation.pdf\">80% dintre firmele de asigur\u0103ri func\u021bionau cu software vechi de cel pu\u021bin zece ani<\/a>.<\/p>\n<p>Costurile de modernizare a acestor sisteme \u0219i grijile legate de \u00eentreruperea activit\u0103\u021bii reprezint\u0103 o mare parte a motivelor pentru care echipele de asigurare r\u0103m\u00e2n la sisteme \u00eenvechite. Cu toate acestea, RPA se pricepe s\u0103 ac\u021bioneze ca o punte de leg\u0103tur\u0103 \u00eentre aceste sisteme obscure \u0219i instrumente mai moderne. Pentru o frac\u021biune din costul revizuirii infrastructurii IT, echipele pot folosi RPA pentru a interac\u021biona cu software-ul actual \u0219i pentru a deschide lumea instrumentelor moderne bazate pe cloud.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Serviciul_clienti\"><\/span><strong>#5. Serviciul clien\u021bi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Dup\u0103 cum am men\u021bionat mai sus, a\u0219tept\u0103rile clien\u021bilor din sectorul asigur\u0103rilor s-au schimbat remarcabil \u00een ultimii ani. Au ap\u0103rut companii noi \u0219i disruptive, care ofer\u0103 un tip de servicii mai personalizate, cu o mai mare transparen\u021b\u0103, rapiditate \u0219i simplitate. \u00centr-adev\u0103r, \u00een trecut, asigur\u0103rile au avut reputa\u021bia de a fi \u00eenfundate \u0219i prea seci, iar pentru a c\u00e2\u0219tiga \u00eencrederea utilizatorilor mai tineri este nevoie de o abordare diferit\u0103.<\/p>\n<p>Instrumentele RPA pot ajuta echipele de asigur\u0103ri s\u0103 \u00ee\u0219i automatizeze serviciile pentru clien\u021bi, f\u0103c\u00e2ndu-le mai receptive, mai rapide \u0219i mai personalizate. \u00cembun\u0103t\u0103\u021birea experien\u021belor consumatorilor este un predictor uria\u0219 al \u00eencrederii \u0219i loialit\u0103\u021bii clien\u021bilor, iar RPA poate ajuta firmele s\u0103 treac\u0103 peste acest decalaj.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Invatare_automata_si_analiza_de_date\"><\/span><strong>#6. \u00cenv\u0103\u021bare automat\u0103 \u0219i analiz\u0103 de date<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Subscrierea modern\u0103 utilizeaz\u0103 o combina\u021bie de \u00eenv\u0103\u021bare automat\u0103 pentru analiza predictiv\u0103, detectarea fraudelor \u0219i chiar stabilirea de pre\u021buri personalizate. Instrumentele RPA pot contribui la acest proces prin colectarea de date din diverse surse \u0219i cur\u0103\u021barea informa\u021biilor. Acest proces asigur\u0103 fiabilitatea datelor, ceea ce duce la o precizie sporit\u0103.<\/p>\n<p>Instrumentele RPA pot, de asemenea, s\u0103 analizeze datele pentru firmele de asigur\u0103ri \u0219i s\u0103 detecteze anomalii \u0219i tendin\u021be. \u00cen plus, RPA poate ajuta la distribuirea datelor c\u0103tre p\u0103r\u021bile relevante, tablouri de bord \u0219i baze de date.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Marketing\"><\/span><strong>#7. Marketing<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Asigur\u0103rile sunt o ni\u0219\u0103 at\u00e2t de competitiv\u0103 \u00eenc\u00e2t echipele de marketing cheltuiesc o sum\u0103 incredibil\u0103 de bani pentru promovare. De exemplu, \u00een SUA, <a href=\"https:\/\/www.statista.com\/statistics\/264968\/ad-spend-of-selected-insurance-companies-in-the-us\/\">Geico a avut un buget de marketing de 1,5 miliarde de dolari \u00een 2022<\/a>. Potrivit raportului HubSpot&#8217;s State of Marketing Report 2023, <a href=\"https:\/\/www.hubspot.com\/state-of-marketing\">bugetul mediu de marketing pentru asigur\u0103tori a fost de 11,2% din veniturile totale<\/a>.<\/p>\n<p>Reducerea costurilor \u0219i, \u00een acela\u0219i timp, ob\u021binerea de clien\u021bi este vital\u0103 pentru firmele care se lupt\u0103 pentru un loc pe o pia\u021b\u0103 aglomerat\u0103. Instrumentele de automatizare a marketingului RPA pot contribui la crearea de valoare \u00een mai multe moduri diferite.<\/p>\n<p>Automatizarea marketingului RPA \u00een cadrul sectorului asigur\u0103rilor include mecanizarea campaniilor de marketing prin e-mail \u0219i a campaniilor de social media. Cu toate acestea, atunci c\u00e2nd este asociat cu ML sau cu instrumente de analiz\u0103 a datelor, RPA poate ajuta echipele s\u0103 extrag\u0103 date de campanie \u0219i s\u0103 ajute la m\u0103surare \u0219i atribuire.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Procesarea_inteligenta_a_documentelor_IDP\"><\/span><strong>#8. Procesarea inteligent\u0103 a documentelor (IDP)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Firmele de asigur\u0103ri trebuie s\u0103 proceseze o mul\u021bime de documente, de la \u00eenregistr\u0103ri interne la date medicale \u0219i financiare. RPA, completat\u0103 cu procesarea inteligent\u0103 a documentelor, poate ajuta echipele s\u0103 citeasc\u0103 \u0219i s\u0103 \u00een\u021beleag\u0103 documente sau PDF-uri \u0219i s\u0103 extrag\u0103 date pentru a le trimite la sistemele interne. Aceste instrumente pot ajuta, de asemenea, echipele \u00een eforturile de digitalizare, analiz\u00e2nd documentele nestructurate \u0219i migr\u00e2nd informa\u021biile \u00een baze de date \u0219i foi de calcul.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Studii_de_caz_RPA_in_asigurari\"><\/span><strong>Studii de caz RPA \u00een asigur\u0103ri<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img data-dominant-color=\"525754\" data-has-transparency=\"false\" style=\"--dominant-color: #525754;\" decoding=\"async\" class=\"aligncenter wp-image-71947 size-full not-transparent\" src=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/ZAP_Enterprise1-jpg.webp\" alt=\"studii de caz de utilizare a RPA \u00een asigur\u0103ri\" width=\"640\" height=\"427\" srcset=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/ZAP_Enterprise1-jpg.webp 640w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/ZAP_Enterprise1-480x320.webp 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 640px, 100vw\" \/><\/p>\n<p>Cu at\u00e2t de multe cazuri de utilizare a automatiz\u0103rii proceselor de asigurare, este clar de ce adop\u021bia este \u00een cre\u0219tere \u00een acest sector pe zi ce trece. Cu toate acestea, studiile de caz sunt cele \u00een care totul prinde via\u021b\u0103, iar poten\u021bialul tehnologiei este realizat.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Studiu_de_caz_RPA_in_domeniul_asigurarilor_1\"><\/span><strong>Studiu de caz RPA \u00een domeniul asigur\u0103rilor #1<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Primul nostru studiu de caz RPA \u00een domeniul asigur\u0103rilor provine din lucrarea de cercetare &#8222;<a href=\"https:\/\/ceur-ws.org\/Vol-2428\/paper2.pdf\"> Ditching labor-intensive paper-based processes <\/a>&#8222;:<a href=\"https:\/\/ceur-ws.org\/Vol-2428\/paper2.pdf\"> Automatizarea proceselor \u00eentr-o companie de asigur\u0103ri din Cehia <\/a>(Marek, 2019). Autorii scriu c\u0103 o companie interna\u021bional\u0103 de asigur\u0103ri cu sediul \u00een Cehia s-a confruntat cu mai multe probleme. Noua legisla\u021bie \u0219i noile reglement\u0103ri i-au obligat s\u0103 \u00ee\u0219i modernizeze opera\u021biunile, care se bazau predominant pe h\u00e2rtie \u0219i erau afectate de inconsecven\u021ba fluxului de lucru.<\/p>\n<p>Echipa a adoptat o abordare agil\u0103 \u0219i a digitalizat procesul de subscriere, a centralizat fluxurile de lucru \u0219i datele companiei \u00eentr-o singur\u0103 platform\u0103 \u0219i a utilizat instrumente RPA pentru a cre\u0219te productivitatea.<\/p>\n<p>Proiectul a fost un mare succes. Au redus timpul de preg\u0103tire a ofertelor cu 40%, au redus costurile cu 50% \u0219i au redus erorile la mai pu\u021bin de 1%.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Studiu_de_caz_RPA_in_domeniul_asigurarilor_2\"><\/span><strong>Studiu de caz RPA \u00een domeniul asigur\u0103rilor #2<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Urm\u0103torul <a href=\"https:\/\/www.infosysbpm.com\/offerings\/functions\/robotics-process-automation\/case-studies\/documents\/rpa-simplifies-insurance-processes.pdf\">studiu de caz<\/a> este un exemplu de RPA \u00een serviciile de gestionare a proceselor de afaceri \u00een domeniul asigur\u0103rilor de via\u021b\u0103 \u0219i al anuit\u0103\u021bilor. Firma \u00een cauz\u0103 era un furnizor de software cu un portofoliu global de clien\u021bi din sectorul asigur\u0103rilor \u0219i al fondurilor de pensii. Problema era evident\u0103: firma primea peste 800.000 de cereri de poli\u021be \u00een fiecare an, pe care le procesa manual. Aceste solicit\u0103ri au venit sub form\u0103 de PDF-uri, care necesitau introducerea manual\u0103 \u00een diverse sisteme. Procesul era lung \u0219i supus erorilor umane.<\/p>\n<p>Cu toate acestea, adoptarea unei solu\u021bii RPA nu a fost simpl\u0103. O mare problem\u0103 era c\u0103 fiecare client pe care \u00eel deserveau avea propriile cerin\u021be, astfel \u00eenc\u00e2t existau multe varia\u021bii \u00een ceea ce prive\u0219te cerin\u021bele. De fapt, exista o lips\u0103 de standardizare a proceselor care nu putea fi rezolvat\u0103 prin mijloace tradi\u021bionale, deoarece fiecare client avea un flux de lucru unic.<\/p>\n<p>Firma \u0219i-a analizat procesele \u0219i a identificat sarcini repetitive, bazate pe reguli, care ar putea fi efectuate de RPA. Ace\u0219tia au c\u0103utat sarcini deterministe care erau de volum mare \u0219i care necesitau mult timp. Unele dintre procesele identificate au inclus actualizarea datelor din poli\u021be, solu\u021bionarea cererilor clien\u021bilor \u0219i trimiterea de scrisori \u0219i notific\u0103ri clien\u021bilor. Echipa a implementat solu\u021bii RPA pentru aceste fluxuri de lucru.<\/p>\n<p>Implementarea a fost un succes r\u0103sun\u0103tor. Unele dintre rezultatele nete au inclus o reducere de aproape 60% a efortului manual \u0219i o reducere de 70% a timpului de procesare. Mai mult, firma a reu\u0219it s\u0103 \u00ee\u0219i reduc\u0103 num\u0103rul de angaja\u021bi cu 50%, economisind astfel o sum\u0103 uria\u0219\u0103 de bani \u00een fiecare lun\u0103.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Studiu_de_caz_RPA_in_domeniul_asigurarilor_3\"><\/span><strong>Studiu de caz RPA \u00een domeniul asigur\u0103rilor #3<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Un broker de asigur\u0103ri \u0219i consultant de risc de top din Europa, cu peste 500 de angaja\u021bi din back-office \u0219i servicii pentru clien\u021bi, a dorit s\u0103 implementeze o automatizare robust\u0103 a proces\u0103rii cererilor de desp\u0103gubire. Atunci c\u00e2nd clien\u021bii asigur\u0103torului erau spitaliza\u021bi, firma pl\u0103tea pentru \u0219ederea \u00een spital \u0219i recupera banii de la pacient dup\u0103 ce acesta semna un formular de identificare a scutirilor. Atunci c\u00e2nd se efectua manual, era nevoie de apeluri telefonice \u00eendelungate \u0219i de o mul\u021bime de sarcini manuale repetitive.<\/p>\n<p>Clientul a implementat o solu\u021bie RPA pentru a automatiza cererile de rambursare de la spitale, clinici de zi \u0219i farmacii. Impactul a fost semnificativ, ceea ce a dus la \u00eembun\u0103t\u0103\u021birea \u0219i centralizarea opera\u021biunilor, ob\u021bin\u00e2nd economii de aproape 50% \u00een regim sta\u021bionar \u0219i un beneficiu total de 46% din costuri.<\/p>\n<p>Acest studiu de caz arat\u0103 modul \u00een care cererile de desp\u0103gubire pentru asigur\u0103ri prin automatizarea proceselor robotice sunt mai rapide, mai ieftine \u0219i mai precise, ceea ce duce la clien\u021bi mai mul\u021bumi\u021bi \u0219i la o productivitate mai mare.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Provocarile_implementarii_RPA\"><\/span><strong>Provoc\u0103rile implement\u0103rii RPA  <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"in_sectorul_asigurarilor\"><\/span><strong>\u00een sectorul asigur\u0103rilor<\/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=\"provoc\u0103ri de testare a \u00eenc\u0103rc\u0103turii \u0219i RPA\" width=\"542\" height=\"361\"><\/p>\n<p>\u00cen timp ce beneficiile RPA \u00een procesarea \u0219i subscrierea cererilor de desp\u0103gubire sunt clare, exist\u0103 unele provoc\u0103ri pe care firmele trebuie s\u0103 le dep\u0103\u0219easc\u0103 pentru a ob\u021bine cele mai bune rezultate din implement\u0103rile RPA.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Infrastructura_mostenita\"><\/span><strong>#1. Infrastructur\u0103 mo\u0219tenit\u0103<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Dup\u0103 cum s-a men\u021bionat anterior, multe firme de asigur\u0103ri func\u021bioneaz\u0103 cu sisteme tradi\u021bionale. O mare parte din aceast\u0103 infrastructur\u0103 a fost proiectat\u0103 cu mult \u00eenainte ca cloud computing-ul sau accesul la distan\u021b\u0103 s\u0103 devin\u0103 o preocupare, ceea ce \u00eenseamn\u0103 c\u0103 software-ul nu este u\u0219or de integrat cu solu\u021biile RPA.<\/p>\n<p>\u00cen ciuda acestor provoc\u0103ri, exist\u0103 o serie de modalit\u0103\u021bi prin care organiza\u021biile pot reduce decalajul dintre software-ul lor actual, \u00eenvechit \u0219i complex, \u0219i instrumentele moderne RPA. Pentru \u00eenceput, tehnologia screen-scraping este capabil\u0103 s\u0103 extrag\u0103 date din interfe\u021be \u0219i s\u0103 le transfere \u00een sisteme bazate pe cloud. \u00cen mod similar, firmele de asigur\u0103ri pot explora API-uri sau chiar construi middleware pentru a conecta sistemele existente.<\/p>\n<p>\u00cen general, de\u0219i exist\u0103 o mul\u021bime de op\u021biuni disponibile, multe depind de particularit\u0103\u021bile programului de asigurare. Instrumentele RPA, cum ar fi <a href=\"https:\/\/www.zaptest.com\/ro\">ZAPTEST<\/a>, pot oferi flexibilitatea de care ave\u021bi nevoie pentru a asigura un nivel ridicat de calitate a datelor, securitate \u0219i compatibilitate a sistemului. Poate cel mai important, ZAPTEST Enterprise vine, de asemenea, cu instrumente puternice de automatizare a testelor software \u0219i cu asisten\u021ba unui expert ZAP pentru a v\u0103 ajuta la planificarea, implementarea, implementarea, testarea \u0219i \u00eentre\u021binerea unui proiect RPA.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Calitatea_datelor\"><\/span><strong>#2. Calitatea datelor<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Orice implementare RPA are nevoie de informa\u021bii clare \u0219i precise. Cu toate acestea, multe firme de asigur\u0103ri p\u0103streaz\u0103 datele \u00een silozuri, ceea ce poate cauza unele probleme atunci c\u00e2nd vine vorba de centralizarea informa\u021biilor pentru solu\u021bii de automatizare. RPA poate ajuta la migrarea acestor date c\u0103tre sisteme cloud sau baze de date on-prem. \u00cen plus, poate contribui la asigurarea unei colect\u0103ri \u0219i a unei compens\u0103ri complete a datelor.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Procesul_decizional_complex\"><\/span><strong>#3. Procesul decizional complex<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>RPA este f\u0103cut\u0103 pentru a procesa sarcini previzibile \u0219i de volum mare. Cu toate acestea, dac\u0103 societ\u0103\u021bile de asigur\u0103ri doresc s\u0103 profite la maximum de aceste instrumente, ele vor trebui s\u0103 gestioneze datele nestructurate \u0219i excep\u021biile \u0219i s\u0103 ia decizii.<\/p>\n<p>Din fericire, instrumentele RPA care sunt integrate cu AI pot oferi cele mai bune din ambele lumi. RPA se poate ocupa de sarcini grele, cu instrumente de inteligen\u021b\u0103 artificial\u0103 cognitiv\u0103 capabile s\u0103 citeasc\u0103 date nestructurate, s\u0103 ia decizii \u0219i s\u0103 trateze excep\u021biile.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Conformitate\"><\/span><strong>#4. Conformitate<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Cerin\u021bele de reglementare intransigente \u0219i legile privind confiden\u021bialitatea datelor, \u00een continu\u0103 evolu\u021bie, reprezint\u0103 o povar\u0103 pe care firmele de asigur\u0103ri o cunosc prea bine. Punerea \u00een aplicare a solu\u021biilor RPA va necesita o planificare pentru a se asigura c\u0103 datele sunt tratate \u00een siguran\u021b\u0103 \u0219i \u00een mod responsabil.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Tendinte_RPA_in_asigurari\"><\/span><strong>Tendin\u021be RPA \u00een asigur\u0103ri<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img data-dominant-color=\"111720\" data-has-transparency=\"false\" style=\"--dominant-color: #111720;\" decoding=\"async\" class=\"aligncenter size-large wp-image-72881 not-transparent\" src=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-1024x682.webp\" alt=\"tendin\u021be \u0219i dimensiunea pie\u021bei de rpa\" width=\"1024\" height=\"682\" srcset=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-1024x682.webp 1024w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-300x200.webp 300w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-768x511.webp 768w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-1536x1022.webp 1536w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-1080x719.webp 1080w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-1280x852.webp 1280w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-980x652.webp 980w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-480x320.webp 480w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-jpeg.webp 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p>RPA face progrese uria\u0219e \u00een sectorul asigur\u0103rilor datorit\u0103 flexibilit\u0103\u021bii \u0219i integr\u0103rii sale cu instrumentele AI\/ML \u0219i cu alte tehnologii. S\u0103 explor\u0103m c\u00e2teva dintre marile tendin\u021be din domeniul RPA \u00een domeniul asigur\u0103rilor.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Comunicare_omnichannel\"><\/span><strong>#1. Comunicare omnichannel<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Asigur\u0103rile devin din ce \u00een ce mai mult orientate c\u0103tre client. \u00cen parte, acest lucru are de-a face cu concuren\u021ba \u0219i cu schimbarea cerin\u021belor consumatorilor. Robo\u021bii de chat LLM \u0219i asisten\u021bii virtuali inteligen\u021bi pot lucra pe parcursul \u00eentregului parcurs al clientului \u0219i pot oferi servicii personalizate prin e-mail, text, social media sau platforme de mesagerie. Op\u021biunile de autoservire a clien\u021bilor oferite 24 de ore din 24 \u0219i 7 zile din 7 se vor conecta cu instrumentele RPA, care pot trimite \u0219i primi date \u0219i pot asigura actualizarea \u00eenregistr\u0103rilor \u00een timp real.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Evaluarea_riscurilor_asistata_de_IA\"><\/span><strong>#2. Evaluarea riscurilor asistat\u0103 de IA<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Modelele bazate pe inteligen\u021b\u0103 artificial\u0103 sunt deja utilizate \u00een industria asigur\u0103rilor. Cu toate acestea, predic\u021biile \u0219i informa\u021biile pe care le genereaz\u0103 sunt la fel de bune ca \u0219i datele introduse. Instrumentele RPA ajut\u0103 echipele s\u0103 colecteze, s\u0103 cure\u021be \u0219i s\u0103 trimit\u0103 datele c\u0103tre modelele predictive pentru a ajuta firmele de asigur\u0103ri s\u0103 ating\u0103 un nivel mai mare de precizie \u0219i de informa\u021bii care s\u0103 reduc\u0103 riscurile \u0219i erorile \u0219i s\u0103 \u00eembun\u0103t\u0103\u021beasc\u0103 profitabilitatea.<\/p>\n<p>\u00cen plus, instrumentele de inteligen\u021b\u0103 artificial\u0103 cognitiv\u0103 sunt utilizate \u0219i pentru detectarea fraudelor, care, \u00een viitor, atenueaz\u0103 riscurile \u0219i ajut\u0103 firmele de asigur\u0103ri s\u0103 r\u0103m\u00e2n\u0103 mai competitive.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Instrumente_cu_cod_redus_si_fara_cod_si_automatizarea_testelor\"><\/span><strong>#3. Instrumente cu cod redus \u0219i f\u0103r\u0103 cod \u0219i automatizarea testelor<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u00cen sectorul asigur\u0103rilor se utilizeaz\u0103 din ce \u00een ce mai mult instrumente cu cod redus sau f\u0103r\u0103 cod pentru a ajuta la crearea de aplica\u021bii personalizate. \u00cen trecut, echipele aveau nevoie de cuno\u0219tin\u021be aprofundate de codare pentru a construi \u0219i testa aplica\u021bii. \u00cen aceste zile, echipele non-tehnice \u0219i dezvoltatorii folosesc instrumente de <a href=\"https:\/\/www.zaptest.com\/ro\/un-ghid-complet-pentru-automatizarea-testelor-software\">automatizare a testelor software<\/a> \u0219i f\u0103r\u0103 cod pentru a crea rapid instrumente de automatizare.<\/p>\n<p>Datorit\u0103 acestor instrumente u\u0219or de utilizat, cu interfe\u021be de tip drag-and-drop, firmele de asigur\u0103ri pot deveni mai receptive la nevoile consumatorilor, datorit\u0103 ciclurilor de via\u021b\u0103 mai scurte de dezvoltare a software-ului. Poate \u0219i mai important, reduce costurile de introducere pe pia\u021b\u0103 a instrumentelor, ceea ce poate stimula serviciile pentru clien\u021bi \u0219i integrarea, precum \u0219i instrumentele de automatizare intern\u0103 care ajut\u0103 la eliberarea personalului de sarcinile repetitive.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_RPA_gestionat\"><\/span><strong>#4. RPA gestionat<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Lipsa de competen\u021be IT \u00eenseamn\u0103 c\u0103 unele firme de asigur\u0103ri care doresc s\u0103 implementeze solu\u021bii de automatizare au v\u0103zut c\u0103 proiectele au fost am\u00e2nate sau abandonate. \u00cen plus, ad\u0103ugarea de personal IT cu expertiza necesar\u0103 este adesea destul de costisitoare. Prin urmare, tot mai multe organiza\u021bii de asigur\u0103ri apeleaz\u0103 la serviciile RPA gestionate pentru a le ajuta \u00een fiecare etap\u0103 a implement\u0103rii proiectului.<\/p>\n<p>Clien\u021bii ZAPTEST Enterprise pot beneficia de acest tip de serviciu. Pe l\u00e2ng\u0103 ob\u021binerea unor instrumente RPA \u0219i de automatizare a testelor de prim\u0103 clas\u0103, firmele de asigur\u0103ri pot beneficia \u0219i de avantajele oferite de un expert ZAP care s\u0103 le ajute la planificare, implementare \u0219i \u00eentre\u021binere.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Centre_de_excelenta_RPA_CoE\"><\/span><strong>#5. Centre de excelen\u021b\u0103 RPA (CoE)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Multe firme de asigur\u0103ri \u00een\u021beleg c\u0103 RPA va juca un rol important \u00een viitorul industriei. Prin urmare, ace\u0219tia \u00ee\u0219i preg\u0103tesc afacerile pentru viitor prin \u00eenfiin\u021barea unor centre de excelen\u021b\u0103 RPA (CoE) pentru a se asigura c\u0103 sunt bine plasa\u021bi pentru a profita de nenum\u0103ratele beneficii ale tehnologiei de automatizare.<\/p>\n<p>Investi\u021bia \u00eentr-un RPA CoE ajut\u0103 la acoperirea deficitului de competen\u021be, \u00eencurajeaz\u0103 inovarea \u0219i ajut\u0103 echipele s\u0103 identifice procesele care sunt preg\u0103tite pentru automatizare.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Viitorul_proceselor_robotizate\"><\/span><strong>Viitorul proceselor robotizate  <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Automatizarea_in_asigurari-2\"><\/span><strong>Automatizarea \u00een asigur\u0103ri<\/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=\"viitorul rpa\" width=\"573\" height=\"322\"><\/p>\n<p>Asigur\u0103rile sunt o industrie bogat\u0103 \u00een date, care se bazeaz\u0103 foarte mult pe decizii bazate pe reguli \u0219i pe analize predictive. Cu alte cuvinte, este un sector care va continua s\u0103 fie revolu\u021bionat de RPA \u0219i AI. S\u0103 analiz\u0103m modul \u00een care instrumentele RPA vor influen\u021ba firmele de asigur\u0103ri de m\u00e2ine.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Asigurare_asistata_RPA\"><\/span><strong>1. Asigurare asistat\u0103 RPA<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Aplica\u021biile RPA \u00een sectorul asigur\u0103rilor s-au concentrat, de obicei, pe procesele back-end. Cu toate acestea, RPA asistat\u0103 va oferi o interac\u021biune perfect\u0103 cu personalul de servicii pentru clien\u021bi din prima linie, ajut\u00e2ndu-i s\u0103 trateze rapid \u0219i u\u0219or solicit\u0103rile consumatorilor prin automatizarea introducerii \u0219i rechem\u0103rii datelor, analizarea informa\u021biilor pentru a ajuta la luarea deciziilor \u0219i trimiterea de comunic\u0103ri relevante c\u0103tre de\u021bin\u0103torii de poli\u021be.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Hiperautomatizare\"><\/span><strong>2. Hiperautomatizare<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Industria asigur\u0103rilor este bazat\u0103 \u00een mare m\u0103sur\u0103 pe date. <a href=\"https:\/\/www.zaptest.com\/hyperautomation\">Hiperautomatizarea<\/a>, care va implica un amestec de RPA, AI, ML \u0219i alte tehnologii, ar putea automatiza subscrierea, procesarea cererilor de desp\u0103gubire, detectarea fraudelor, serviciul clien\u021bi \u0219i multe altele. Rezultatul net ar putea fi un broker de asigur\u0103ri complet automatizat, cu servicii rapide \u0219i de \u00eenalt\u0103 calitate, la costuri reduse.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Telematica_si_IoT\"><\/span><strong>3. Telematic\u0103 \u0219i IoT<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u00cen timp ce IoT poate c\u0103 nu \u0219i-a respectat promisiunea, exist\u0103 \u00eenc\u0103 mult loc pentru senzori inteligen\u021bi \u0219i tehnologii similare \u00een industria asigur\u0103rilor. Instrumentele RPA pentru asigur\u0103ri P&amp;C ar putea s\u0103 se conecteze cu casele \u0219i ma\u0219inile inteligente pentru a valida cererile de desp\u0103gubire, \u00een timp ce datele telematice ar putea urm\u0103ri lucruri precum ma\u0219inile sau exerci\u021biile fizice \u0219i activitatea prin intermediul smartphone-urilor sau al dispozitivelor purtabile.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Modele_complexe_de_risc\"><\/span><strong>4. Modele complexe de risc<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u00cen timp ce modelele de risc au deja un nivel solid de acurate\u021be, instrumentele AI\/ML ar putea face aceste previziuni aproape proactive. Cu suficiente date \u0219i cu instrumentele de analiz\u0103 adecvate, aceast\u0103 tehnologie ar putea face predic\u021bii foarte personalizate cu o acurate\u021be infailibil\u0103, economisind miliarde de dolari pe an.<\/p>\n<p>Cu toate acestea, RPA asistat\u0103 de AI \u00een subscrierea de asigur\u0103ri ar putea \u00eent\u00e2mpina probleme etice legate de datele utilizatorilor. \u00cenc\u0103 din 2016, <a href=\"https:\/\/www.theguardian.com\/money\/2016\/nov\/06\/insurers-use-facebook-weekly-shop-social-media-judgment-potential-risk#:~:text=%E2%80%9CYou%20can't%20buy%20access,have%20publicly%20recommended%20or%20shared.\">unii asigur\u0103tori au recunoscut c\u0103 se uit\u0103 la conturile de socializare ale asigura\u021bilor pentru a evalua riscul<\/a>. \u00centr-adev\u0103r, lan\u021bul de supermarketuri Tesco utilizeaz\u0103 datele Clubcard pentru a determina scorurile de risc ale gospod\u0103riilor pentru serviciile sale financiare.<\/p>\n<p>Dac\u0103 aceste informa\u021bii nedeclarate vor fi utilizate \u00een cadrul automatiz\u0103rii proces\u0103rii cererilor de desp\u0103gubire este deschis la specula\u021bii. Firmele de asigur\u0103ri vor trebui s\u0103 pun\u0103 \u00een balan\u021b\u0103 rentabilitatea acestei abord\u0103ri cu problemele etice \u0219i poten\u021bialele daune de reputa\u021bie.<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ganduri_finale\"><\/span><strong>G\u00e2nduri finale<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Exist\u0103 multe beneficii ale automatiz\u0103rii proceselor robotice \u00een asigur\u0103ri. Contribuind la reducerea costurilor, la cre\u0219terea productivit\u0103\u021bii \u0219i la \u00eembun\u0103t\u0103\u021birea experien\u021bei clien\u021bilor, RPA \u00een asigur\u0103ri poate oferi un randament impresionant al investi\u021biilor.<\/p>\n<p>Automatizarea cererilor de desp\u0103gubire \u0219i subscrierea sunt probabil cele mai conving\u0103toare dou\u0103 cazuri de utilizare a RPA \u00een acest sector. Aceste sarcini care necesit\u0103 mult timp \u0219i informa\u021bii necesit\u0103 \u00een prezent un grad ridicat de interven\u021bie uman\u0103 \u00een sectorul asigur\u0103rilor. Cu toate acestea, transformarea este deja \u00een curs de desf\u0103\u0219urare. Firmele de asigur\u0103ri \u00eei ajut\u0103 pe oameni s\u0103 nu-\u0219i mai fac\u0103 griji cu privire la viitorul lor; tehnologia RPA face acela\u0219i lucru pentru firmele de asigur\u0103ri.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Automatizarea proceselor robotice \u00een asigur\u0103ri este \u00een cre\u0219tere. La fel ca \u0219i \u00een alte industrii care au multe sarcini repetitive \u0219i bazate pe reguli, RPA poate ajuta organiza\u021biile s\u0103 realizeze procese mai rapide, mai rentabile \u0219i f\u0103r\u0103 erori, care s\u0103 elibereze personalul existent pentru a face o munc\u0103 mai orientat\u0103 spre valoare. Subscrierea poli\u021belor \u0219i [&hellip;]<\/p>\n","protected":false},"author":14624,"featured_media":73506,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"Automatizarea robotic\u0103 a proceselor (RPA) \u00een serviciile de asigur\u0103ri","_seopress_titles_desc":"Afla\u021bi despre RPA \u00een serviciile de asigur\u0103ri: dimensiunea pie\u021bei, factorii care influen\u021beaz\u0103 automatizarea proceselor robotice \u00een acest domeniu, provoc\u0103rile RPA \u00een asigur\u0103ri \u0219i multe altele!","_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":[348],"tags":[],"class_list":{"0":"post-73497","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-automatizarea-proceselor-robotice"},"acf":{"short_name":"RPA \u00een asigur\u0103ri"},"_links":{"self":[{"href":"https:\/\/www.zaptest.com\/ro\/wp-json\/wp\/v2\/posts\/73497","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.zaptest.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.zaptest.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.zaptest.com\/ro\/wp-json\/wp\/v2\/users\/14624"}],"replies":[{"embeddable":true,"href":"https:\/\/www.zaptest.com\/ro\/wp-json\/wp\/v2\/comments?post=73497"}],"version-history":[{"count":1,"href":"https:\/\/www.zaptest.com\/ro\/wp-json\/wp\/v2\/posts\/73497\/revisions"}],"predecessor-version":[{"id":74117,"href":"https:\/\/www.zaptest.com\/ro\/wp-json\/wp\/v2\/posts\/73497\/revisions\/74117"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.zaptest.com\/ro\/wp-json\/wp\/v2\/media\/73506"}],"wp:attachment":[{"href":"https:\/\/www.zaptest.com\/ro\/wp-json\/wp\/v2\/media?parent=73497"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.zaptest.com\/ro\/wp-json\/wp\/v2\/categories?post=73497"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.zaptest.com\/ro\/wp-json\/wp\/v2\/tags?post=73497"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}