{"id":74298,"date":"2023-12-06T17:39:23","date_gmt":"2023-12-06T17:39:23","guid":{"rendered":"https:\/\/www.zaptest.com\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy"},"modified":"2023-12-06T17:39:23","modified_gmt":"2023-12-06T17:39:23","slug":"roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy","status":"publish","type":"post","link":"https:\/\/www.zaptest.com\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy","title":{"rendered":"Robotick\u00e1 automatiz\u00e1cia procesov (RPA) v bankovn\u00edctve a financi\u00e1ch &#8211; pr\u00edpadov\u00e9 \u0161t\u00fadie, pr\u00edklady, v\u00fdhody a v\u00fdzvy"},"content":{"rendered":"<p>Robotick\u00e1 automatiz\u00e1cia procesov v bankovn\u00edctve a finan\u010dn\u00edctve je jedn\u00fdm z najsilnej\u0161\u00edch a najpresved\u010divej\u0161\u00edch pr\u00edpadov vyu\u017eitia automatiza\u010dn\u00fdch technol\u00f3gi\u00ed. Automatiz\u00e1cia obchodovania je roz\u0161\u00edren\u00e1 od 70. a 80. rokov minul\u00e9ho storo\u010dia, ale RPA otv\u00e1ra in\u00fd typ mechaniz\u00e1cie s v\u00e4\u010d\u0161\u00edm zameran\u00edm na zni\u017eovanie n\u00e1kladov a zlep\u0161ovanie sk\u00fasenost\u00ed spotrebite\u013eov.<\/p>\n<p>RPA v bankovn\u00edctve tie\u017e umo\u017enila podnikom reagova\u0165 na neust\u00e1le sa meniace regula\u010dn\u00e9 prostredie t\u00fdm, \u017ee funguje ako rie\u0161enie RegTech pre automatiz\u00e1ciu financi\u00ed. Existuje v\u0161ak nieko\u013eko \u010fal\u0161\u00edch vynikaj\u00facich sp\u00f4sobov vyu\u017eitia RPA vo finan\u010dn\u00edctve vr\u00e1tane spracovania transakci\u00ed, schva\u013eovania \u00faverov a zv\u00fd\u0161enia kybernetickej bezpe\u010dnosti.<\/p>\n<p>V tomto \u010dl\u00e1nku sa budeme venova\u0165 v\u00fdhod\u00e1m, pr\u00edpadov\u00fdm \u0161t\u00fadi\u00e1m, pr\u00edpadom pou\u017eitia, trendom a v\u00fdzvam <a href=\"https:\/\/www.zaptest.com\/rpa\">robotickej automatiz\u00e1cie procesov<\/a> v oblasti financi\u00ed a bankovn\u00edctva.<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#Roboticka_automatizacia_procesov_v\" >Robotick\u00e1 automatiz\u00e1cia procesov v<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.zaptest.com\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#Velkost_financneho_a_bankoveho_trhu\" >Ve\u013ekos\u0165 finan\u010dn\u00e9ho a bankov\u00e9ho trhu<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.zaptest.com\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#Faktory_ovplyvnujuce_bankovnictvo_a\" >Faktory ovplyv\u0148uj\u00face bankovn\u00edctvo a<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.zaptest.com\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#automatizacia_financnych_procesov\" >automatiz\u00e1cia finan\u010dn\u00fdch procesov<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#1_Znizenie_nakladov\" >1. Zn\u00ed\u017eenie n\u00e1kladov<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#2_Zvysena_regulacna_a_administrativna_zataz\" >2. Zv\u00fd\u0161en\u00e1 regula\u010dn\u00e1 a administrat\u00edvna z\u00e1\u0165a\u017e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.zaptest.com\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#3_Samoobsluha_zakaznikov\" >3. Samoobsluha z\u00e1kazn\u00edkov<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#4_Mensie_riziko\" >4. Men\u0161ie riziko<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.zaptest.com\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#5_Kontinuita_podnikania\" >5. Kontinuita podnikania<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#Vyhody_robotickej_automatizacie_procesov\" >V\u00fdhody robotickej automatiz\u00e1cie procesov<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#v_oblasti_financii_a_bankovnictva\" >v oblasti financi\u00ed a bankovn\u00edctva<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#1_Usetrite_peniaze\" >#1. U\u0161etrite peniaze<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#2_Vacsia_spokojnost_s_pracou\" >#2. V\u00e4\u010d\u0161ia spokojnos\u0165 s pr\u00e1cou<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#3_Dodrziavanie_regulacnych_predpisov\" >#3. Dodr\u017eiavanie regula\u010dn\u00fdch predpisov<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#4_Skalovatelnost\" >#4. \u0160k\u00e1lovate\u013enos\u0165<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#Pripady_pouzitia_RPA_v_bankovnictve\" >Pr\u00edpady pou\u017eitia RPA v bankovn\u00edctve<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#1_Vstup_na_palubu_zakaznika\" >#1. Vstup na palubu z\u00e1kazn\u00edka<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#2_Spracovanie_ziadosti_o_pozicku\" >#2. Spracovanie \u017eiadost\u00ed o p\u00f4\u017ei\u010dku<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#3_Automatizovana_zakaznicka_podpora\" >#3. Automatizovan\u00e1 z\u00e1kazn\u00edcka podpora<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.zaptest.com\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#4_Vytvaranie_sprav\" >#4. Vytv\u00e1ranie spr\u00e1v<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.zaptest.com\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#5_Odhalovanie_podvodov\" >#5. Odha\u013eovanie podvodov<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#6_Dodrziavanie_predpisov\" >#6. Dodr\u017eiavanie predpisov<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#7_Spracovanie_platieb\" >#7. Spracovanie platieb<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#8_Automaticke_zatvaranie_uctov\" >#8. Automatick\u00e9 zatv\u00e1ranie \u00fa\u010dtov<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#9_Riadenie_zamestnancov\" >#9. Riadenie zamestnancov<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#Pripadove_studie_RPA_vo_financnych_sluzbach\" >Pr\u00edpadov\u00e9 \u0161t\u00fadie RPA vo finan\u010dn\u00fdch slu\u017eb\u00e1ch<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/www.zaptest.com\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#Pripadova_studia_c_1_Eliminacia_ludskych_chyb\" >Pr\u00edpadov\u00e1 \u0161t\u00fadia \u010d. 1: Elimin\u00e1cia \u013eudsk\u00fdch ch\u00fdb<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#Pripadova_studia_c_2_Zrychlenie_spracovania_uverov\" >Pr\u00edpadov\u00e1 \u0161t\u00fadia \u010d. 2: Zr\u00fdchlenie spracovania \u00faverov<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#Pripadova_studia_c_3_Splnenie_regulacneho_zatazenia\" >Pr\u00edpadov\u00e1 \u0161t\u00fadia \u010d. 3: Splnenie regula\u010dn\u00e9ho za\u0165a\u017eenia<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#Vyzvy_ktorym_celi_roboticky_proces\" >V\u00fdzvy, ktor\u00fdm \u010del\u00ed robotick\u00fd proces<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#Automatizacia_v_bankovom_a_financnom_sektore\" >Automatiz\u00e1cia v bankovom a finan\u010dnom sektore<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#1_Starsia_infrastruktura\" >#1. Star\u0161ia infra\u0161trukt\u00fara<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#2_Standardizacia_procesov\" >#2. \u0160tandardiz\u00e1cia procesov<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#3_Mytus_o_striebornej_gulke\" >#3. M\u00fdtus o striebornej gu\u013eke<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#4_Dodrziavanie_pravnych_predpisov\" >#4. Dodr\u017eiavanie pr\u00e1vnych predpisov<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#5_Nedostatok_zrucnosti\" >#5. Nedostatok zru\u010dnost\u00ed<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/www.zaptest.com\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#Trendy_v_oblasti_RPA_v_bankovom_sektore\" >Trendy v oblasti RPA v bankovom sektore<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#1_Inteligentna_automatizacia\" >#1. Inteligentn\u00e1 automatiz\u00e1cia<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#2_RPA_na_baze_cloudu\" >#2. RPA na b\u00e1ze cloudu<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/www.zaptest.com\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#3_Generativna_umela_inteligencia\" >#3. Generat\u00edvna umel\u00e1 inteligencia<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#4_Asistovana_RPA\" >#4. Asistovan\u00e1 RPA<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/www.zaptest.com\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#Buducnost_automatizacie_v_bankovnictve\" >Bud\u00facnos\u0165 automatiz\u00e1cie v bankovn\u00edctve<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#1_Hyperautomatizacia\" >#1. Hyperautomatiz\u00e1cia<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#2_Vysoko_personalizovany_dizajn_aplikacie_bez_kodu\" >#2. Vysoko personalizovan\u00fd dizajn aplik\u00e1cie bez k\u00f3du<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-45\" href=\"https:\/\/www.zaptest.com\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#3_Prediktivne_odhalovanie_podvodov\" >#3. Predikt\u00edvne odha\u013eovanie podvodov<\/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\/sk\/roboticka-automatizacia-procesov-rpa-v-bankovnictve-a-financiach-pripadove-studie-priklady-vyhody-a-vyzvy\/#Zaverecne_myslienky\" >Z\u00e1vere\u010dn\u00e9 my\u0161lienky<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Roboticka_automatizacia_procesov_v\"><\/span><strong>Robotick\u00e1 automatiz\u00e1cia procesov v  <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Velkost_financneho_a_bankoveho_trhu\"><\/span><strong>Ve\u013ekos\u0165 finan\u010dn\u00e9ho a bankov\u00e9ho trhu<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img data-dominant-color=\"b9b7b1\" data-has-transparency=\"false\" style=\"--dominant-color: #b9b7b1;\" decoding=\"async\" class=\"aligncenter wp-image-70992 not-transparent\" src=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/The-future-of-copilots-and-Generative-AI-in-Software-Testing-and-RPA--1024x737.webp\" alt=\"Bud\u00facnos\u0165 kopilotov a generat\u00edvnej AI v testovan\u00ed softv\u00e9ru a RPA\" width=\"497\" height=\"358\" srcset=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/The-future-of-copilots-and-Generative-AI-in-Software-Testing-and-RPA--1024x737.webp 1024w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/The-future-of-copilots-and-Generative-AI-in-Software-Testing-and-RPA--300x216.webp 300w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/The-future-of-copilots-and-Generative-AI-in-Software-Testing-and-RPA--768x553.webp 768w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/The-future-of-copilots-and-Generative-AI-in-Software-Testing-and-RPA--1536x1106.webp 1536w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/The-future-of-copilots-and-Generative-AI-in-Software-Testing-and-RPA--1080x777.webp 1080w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/The-future-of-copilots-and-Generative-AI-in-Software-Testing-and-RPA--1280x921.webp 1280w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/The-future-of-copilots-and-Generative-AI-in-Software-Testing-and-RPA--980x705.webp 980w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/The-future-of-copilots-and-Generative-AI-in-Software-Testing-and-RPA--480x346.webp 480w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/11\/The-future-of-copilots-and-Generative-AI-in-Software-Testing-and-RPA--jpeg.webp 1920w\" sizes=\"(max-width: 497px) 100vw, 497px\" \/><\/p>\n<p>Glob\u00e1lna ve\u013ekos\u0165 trhu robotickej automatiz\u00e1cie procesov (RPA) v bankovn\u00edctve a finan\u010dn\u00edctve (BFSI) bola v<a href=\"https:\/\/www.grandviewresearch.com\/industry-analysis\/robotic-process-automation-bfsi-market\"> roku 2023<\/a> pribli\u017ene<a href=\"https:\/\/www.grandviewresearch.com\/industry-analysis\/robotic-process-automation-bfsi-market\"> 860,75 mili\u00f3na USD<\/a>. Analytici o\u010dak\u00e1vaj\u00fa, \u017ee pri zlo\u017eenej ro\u010dnej miere rastu (CAGR) 40 % sa tento sektor do roku 2030 roz\u0161\u00edri na takmer 9 mili\u00e1rd USD.<\/p>\n<p>Severn\u00e1 Amerika (45 %) a Eur\u00f3pa (30 %) tvoria v\u00e4\u010d\u0161inu trhu. \u00c1zia a Tichomorie sa v\u0161ak pova\u017euj\u00fa za oblas\u0165 s najv\u00e4\u010d\u0161\u00edm potenci\u00e1lom rastu v nasleduj\u00facom desa\u0165ro\u010d\u00ed.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Faktory_ovplyvnujuce_bankovnictvo_a\"><\/span><strong>Faktory ovplyv\u0148uj\u00face bankovn\u00edctvo a  <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"automatizacia_financnych_procesov\"><\/span><strong>automatiz\u00e1cia finan\u010dn\u00fdch procesov<\/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=\"testovanie jednotiek a faktory ovplyv\u0148uj\u00face RPA v oblasti financi\u00ed a bankovn\u00edctva\" 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>Bankov\u00fd a finan\u010dn\u00fd trh bol prv\u00fdm, kto zaviedol <a href=\"https:\/\/www.zaptest.com\/sk\">n\u00e1stroje na automatiz\u00e1ciu testovania softv\u00e9ru<\/a> a <a href=\"https:\/\/www.zaptest.com\/sk\/kompletny-sprievodca-robotickou-automatizaciou-procesov-rpa\">technol\u00f3giu RPA<\/a>. V mnoh\u00fdch oh\u013eadoch boli ide\u00e1lnymi kandid\u00e1tmi na t\u00fato technol\u00f3giu, preto\u017ee tieto odvetvia sprac\u00favaj\u00fa ve\u013ek\u00e9 mno\u017estvo opakuj\u00facich sa \u00faloh zalo\u017een\u00fdch na pravidl\u00e1ch, ako s\u00fa napr\u00edklad finan\u010dn\u00e9 transakcie. Prij\u00edmanie sa v\u0161ak zv\u00fd\u0161ilo z r\u00f4znych in\u00fdch d\u00f4vodov. Tu je nieko\u013eko najd\u00f4le\u017eitej\u0161\u00edch.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Znizenie_nakladov\"><\/span><strong>1. Zn\u00ed\u017eenie n\u00e1kladov<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.imf.org\/en\/Blogs\/Articles\/2023\/10\/16\/new-look-at-global-banks-highlights-risks-from-higher-for-longer-interest-rates\">Banky a spolo\u010dnosti poskytuj\u00face finan\u010dn\u00e9 slu\u017eby dlho existovali v \u00e9re n\u00edzkych alebo dokonca z\u00e1porn\u00fdch \u00farokov\u00fdch sadzieb<\/a>, v d\u00f4sledku \u010doho boli \u00faspory n\u00e1kladov prioritou. V posledn\u00fdch rokoch to mohla zmeni\u0165 prudk\u00e1 infl\u00e1cia, ke\u010f mnoh\u00e9 centr\u00e1lne banky zv\u00fd\u0161ili \u00faroky na pribli\u017ene 5 %. Finan\u010dn\u00e9 podniky v\u0161ak musia \u010deli\u0165 aj \u010fal\u0161\u00edm nepriazniv\u00fdm vplyvom.<\/p>\n<p>Vzostup nebankoviek a inovat\u00edvnych podnikov FinTech priniesol do finan\u010dn\u00e9ho prostredia v\u00e1\u017enu konkurenciu. V kombin\u00e1cii s jasn\u00fdmi zmenami v o\u010dak\u00e1vaniach spotrebite\u013eov musia finan\u010dn\u00e9 in\u0161tit\u00facie zn\u00ed\u017ei\u0165 n\u00e1klady, aby si udr\u017eali konkurencieschopnos\u0165. RPA pom\u00e1ha t\u00edmom zni\u017eova\u0165 ka\u017edodenn\u00e9 n\u00e1klady na prev\u00e1dzku slu\u017eieb a z\u00e1rove\u0148 poskytova\u0165 inovat\u00edvne produkty pre spotrebite\u013eov.<\/p>\n<h3><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"2_Zvysena_regulacna_a_administrativna_zataz\"><\/span><strong>2. Zv\u00fd\u0161en\u00e1 regula\u010dn\u00e1 a administrat\u00edvna z\u00e1\u0165a\u017e<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Zv\u00fd\u0161enie finan\u010dn\u00fdch regula\u010dn\u00fdch noriem v posledn\u00fdch rokoch predstavovalo pre finan\u010dn\u00e9 podniky ve\u013ek\u00fd probl\u00e9m. Povinnosti t\u00fdkaj\u00face sa poznania svojich klientov (KYC) a boja proti praniu \u0161pinav\u00fdch pe\u0148az\u00ed (AML) predstavuj\u00fa pre spolo\u010dnosti poskytuj\u00face finan\u010dn\u00e9 slu\u017eby ve\u013ek\u00fa administrat\u00edvnu z\u00e1\u0165a\u017e bez toho, aby sa zv\u00fd\u0161ili ich hospod\u00e1rske v\u00fdsledky. Manu\u00e1lne dodr\u017eiavanie predpisov je n\u00e1kladn\u00e9, opakovan\u00e9 a n\u00e1chyln\u00e9 na \u013eudsk\u00e9 chyby.<\/p>\n<p><a href=\"https:\/\/www.zaptest.com\/sk\/pocitacove-videnie-je-buducnostou-automatizacie-testovania-softveru-historia-minulosti-sucasnosti-a-buducnosti\">N\u00e1stroje RPA s optick\u00fdm rozpozn\u00e1van\u00edm znakov (OCR)<\/a> a in\u00e9 n\u00e1stroje s podporou umelej inteligencie m\u00f4\u017eu odbremeni\u0165 banky od \u010dasti tejto z\u00e1\u0165a\u017ee a zn\u00ed\u017ei\u0165 n\u00e1klady na udr\u017eanie s\u00faladu s predpismi, napr\u00edklad n\u00e1klady na \u013eudsk\u00fd kapit\u00e1l.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Samoobsluha_zakaznikov\"><\/span><strong>3. Samoobsluha z\u00e1kazn\u00edkov<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>O\u010dak\u00e1vania z\u00e1kazn\u00edkov sa za posledn\u00e9 desa\u0165ro\u010die v\u00fdrazne zmenili. Spotrebitelia dnes o\u010dak\u00e1vaj\u00fa, \u017ee veci bud\u00fa vybaven\u00e9 okam\u017eite, a nemaj\u00fa \u010das na podnik, ktor\u00fd im m\u00f4\u017ee pom\u00f4c\u0165 len medzi deviatou a piatou hodinou. Samozrejme, nezv\u00fd\u0161ili sa len o\u010dak\u00e1vania z\u00e1kazn\u00edkov v oblasti slu\u017eieb. Spotrebitelia chc\u00fa tie\u017e r\u00fdchle rozhodnutia o p\u00f4\u017ei\u010dk\u00e1ch a \u017eiadostiach o vedenie \u00fa\u010dtu.<\/p>\n<p>RPA m\u00f4\u017ee pom\u00f4c\u0165 pri rie\u0161en\u00ed v\u0161etk\u00fdch t\u00fdchto probl\u00e9mov t\u00fdm, \u017ee automatizuje aplik\u00e1cie na z\u00e1klade krit\u00e9ri\u00ed zalo\u017een\u00fdch na pravidl\u00e1ch s minim\u00e1lnou potrebou \u013eudskej interakcie a rie\u0161i ot\u00e1zky z\u00e1kazn\u00edkov.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Mensie_riziko\"><\/span><strong>4. Men\u0161ie riziko<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Banky a finan\u010dn\u00e9 spolo\u010dnosti sa nevyhnutne stret\u00e1vaj\u00fa s ve\u013ek\u00fdm rizikom. Zmiernenie tohto rizika je v\u0161ak d\u00f4le\u017eitou s\u00fa\u010das\u0165ou dobre riaden\u00e9ho podniku. Chyby m\u00f4\u017eu vies\u0165 k strate d\u00f4very spotrebite\u013eov a po\u0161kodeniu dobr\u00e9ho mena, zatia\u013e \u010do chyby v dodr\u017eiavan\u00ed predpisov maj\u00fa za n\u00e1sledok pr\u00edsne finan\u010dn\u00e9 sankcie.<\/p>\n<p>RPA zni\u017euje po\u010det \u013eudsk\u00fdch ch\u00fdb, pom\u00e1ha in\u0161tit\u00faci\u00e1m dodr\u017eiava\u0165 predpisy, zlep\u0161uje presnos\u0165 a spracovanie \u00fadajov a <a href=\"https:\/\/www.zaptest.com\/sk\/vplyv-ai-na-roboticku-automatizaciu-procesov-komplexna-diskusia-o-konvergencii-ai-a-rpa\">po doplnen\u00ed o strojov\u00e9 u\u010denie (ML)<\/a> sa m\u00f4\u017ee pou\u017ei\u0165 pri odha\u013eovan\u00ed podvodov.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Kontinuita_podnikania\"><\/span><strong>5. Kontinuita podnikania<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Finan\u010dn\u00e9 in\u0161tit\u00facie zohr\u00e1vaj\u00fa v hospod\u00e1rstve k\u013e\u00fa\u010dov\u00fa \u00falohu a ak\u00e9ko\u013evek naru\u0161enie slu\u017eieb m\u00f4\u017ee vies\u0165 k po\u0161kodeniu reput\u00e1cie. Okrem toho, ke\u010f\u017ee tieto in\u0161tit\u00facie uchov\u00e1vaj\u00fa citliv\u00e9 \u00fadaje, s\u00fa viazan\u00e9 predpismi, ktor\u00e9 chr\u00e1nia spotrebite\u013eov a zabezpe\u010duj\u00fa stabilitu finan\u010dn\u00e9ho syst\u00e9mu.<\/p>\n<p>RPA m\u00f4\u017ee tvori\u0165 s\u00fa\u010das\u0165 spo\u013eahliv\u00e9ho pl\u00e1nu kontinuity \u010dinnost\u00ed (BCP) a zabezpe\u010di\u0165 minimaliz\u00e1ciu v\u00fdpadkov sp\u00f4soben\u00fdch pr\u00edrodn\u00fdmi katastrofami, mimoriadnymi udalos\u0165ami v oblasti verejn\u00e9ho zdravia, kybernetick\u00fdmi bezpe\u010dnostn\u00fdmi \u00fatokmi a \u010fal\u0161\u00edmi.<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Vyhody_robotickej_automatizacie_procesov\"><\/span><strong>V\u00fdhody robotickej automatiz\u00e1cie procesov  <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"v_oblasti_financii_a_bankovnictva\"><\/span><strong>v oblasti financi\u00ed a bankovn\u00edctva<\/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=\"ve\u013ekos\u0165 trhu rpa v zdravotn\u00edctve\" 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>Implement\u00e1cia <a href=\"https:\/\/www.zaptest.com\/rpa\">rie\u0161en\u00ed RPA<\/a> v sektore finan\u010dn\u00fdch slu\u017eieb m\u00e1 mnoho v\u00fdhod. Tu s\u00fa niektor\u00e9 z najd\u00f4le\u017eitej\u0161\u00edch.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Usetrite_peniaze\"><\/span><strong>#1. U\u0161etrite peniaze<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>O\u010dak\u00e1va sa, \u017ee vyu\u017e\u00edvanie RPA bude v nadch\u00e1dzaj\u00facich rokoch vo finan\u010dnom sektore na\u010falej r\u00e1s\u0165. RPA m\u00f4\u017ee automatizova\u0165 a\u017e <a href=\"https:\/\/www.accenture.com\/us-en\/services\/business-process-services\/intelligent-finance-accounting\">80 % \u00faloh vo finan\u010dnom sektore<\/a>, \u010do pre organiz\u00e1cie predstavuje neuverite\u013en\u00e9 mo\u017enosti \u00faspory n\u00e1kladov.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Vacsia_spokojnost_s_pracou\"><\/span><strong>#2. V\u00e4\u010d\u0161ia spokojnos\u0165 s pr\u00e1cou<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Finan\u010dn\u00fd sektor je pln\u00fd opakuj\u00facich sa a v\u0161edn\u00fdch \u00faloh, pri ktor\u00fdch sa pracovn\u00edci c\u00edtia bez in\u0161pir\u00e1cie, znuden\u00ed a nedocenen\u00ed. <a href=\"https:\/\/www.zaptest.com\/sk\/nastroje-rpa-31-najlepsich-softverov-pre-roboticku-automatizaciu-procesov-na-trhu\">N\u00e1stroje RPA<\/a> m\u00f4\u017eu prevzia\u0165 tieto \u00falohy zalo\u017een\u00e9 na pravidl\u00e1ch a otvori\u0165 dvere p\u00fatavej\u0161\u00edm a kreat\u00edvnej\u0161\u00edm \u00faloh\u00e1m, ktor\u00e9 pom\u00f4\u017eu zamestnancom c\u00edti\u0165 sa viac prepojen\u00ed s celkov\u00fdm poslan\u00edm organiz\u00e1cie.<\/p>\n<p>V\u00e4\u010d\u0161ia spokojnos\u0165 s pr\u00e1cou sa rovn\u00e1 v\u00e4\u010d\u0161iemu udr\u017eaniu zamestnancov. RPA by mala by\u0165 s\u00fa\u010das\u0165ou tejto strat\u00e9gie.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Dodrziavanie_regulacnych_predpisov\"><\/span><strong>#3. Dodr\u017eiavanie regula\u010dn\u00fdch predpisov<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Odvetvie finan\u010dn\u00fdch slu\u017eieb m\u00e1 jedny z najpr\u00edsnej\u0161\u00edch regula\u010dn\u00fdch po\u017eiadaviek zo v\u0161etk\u00fdch odvetv\u00ed. Nedodr\u017eanie t\u00fdchto pravidiel m\u00f4\u017ee vies\u0165 k vysok\u00fdm pokut\u00e1m, strate licencie a po\u0161kodeniu reput\u00e1cie, z ktor\u00e9ho sa \u0165a\u017eko spam\u00e4t\u00e1va. RPA pom\u00e1ha t\u00edmom plni\u0165 tieto neust\u00e1le sa vyv\u00edjaj\u00face normy.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Skalovatelnost\"><\/span><strong>#4. \u0160k\u00e1lovate\u013enos\u0165<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Neobanky a FinTech podniky v oblasti finan\u010dn\u00fdch slu\u017eieb \u010dasto r\u00fdchlo rast\u00fa v\u010faka l\u00e1kav\u00fdm stimulom. Tento rast v\u0161ak m\u00f4\u017ee sp\u00f4sobi\u0165 probl\u00e9my, ako napr\u00edklad nedostatok zamestnancov. RPA pom\u00e1ha prekona\u0165 tieto obmedzenia prostredn\u00edctvom digit\u00e1lnej pracovnej sily, ktor\u00e1 dok\u00e1\u017ee zvl\u00e1dnu\u0165 zv\u00fd\u0161en\u00e9 pracovn\u00e9 za\u0165a\u017eenie.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Pripady_pouzitia_RPA_v_bankovnictve\"><\/span><strong>Pr\u00edpady pou\u017eitia RPA v bankovn\u00edctve<\/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=\"Pr\u00edpady pou\u017eitia rpa vo financi\u00e1ch a bankovn\u00edctve\" width=\"298\" height=\"384\" srcset=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/09\/api-testing-jpg.webp 298w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/09\/api-testing-233x300.webp 233w\" sizes=\"(max-width: 298px) 100vw, 298px\" \/><\/p>\n<p>V bankovn\u00edctve a finan\u010dn\u00edctve existuje mnoho skvel\u00fdch <a href=\"https:\/\/www.zaptest.com\/sk\/15-najlepsich-pripadov-pouzitia-rpa-robotickej-automatizacie-procesov-podla-odvetvi-financie-zdravotnictvo-ludske-zdroje-uctovnictvo-vyroba-a-dalsie\">pr\u00edpadov pou\u017eitia RPA<\/a>. Niektor\u00e9 priamo s\u00favisia s hlavn\u00fdmi bankov\u00fdmi \u010dinnos\u0165ami, in\u00e9 pom\u00e1haj\u00fa s administrat\u00edvnymi \u00falohami alebo \u00falohami zameran\u00fdmi na z\u00e1kazn\u00edkov.<\/p>\n<p>&nbsp;<\/p>\n<p>Tu je dev\u00e4\u0165 najlep\u0161\u00edch pr\u00edpadov pou\u017eitia robotickej automatiz\u00e1cie procesov v bankovn\u00edctve a finan\u010dn\u00edctve.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Vstup_na_palubu_zakaznika\"><\/span><strong>#1. Vstup na palubu z\u00e1kazn\u00edka<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Onboarding z\u00e1kazn\u00edkov je jedn\u00fdm z najlep\u0161\u00edch pr\u00edpadov pou\u017eitia <a href=\"https:\/\/www.zaptest.com\/sk\/co-je-softver-rpa-roboticka-automatizacia-procesov\">RPA<\/a> v modernej bankovej \u00e9re. Pr\u00edchod nebankoviek a FinTech spolo\u010dnost\u00ed nastolil nov\u00fa \u00e9ru digit\u00e1lneho bankovn\u00edctva. Chodi\u0165 do pobo\u010dky a zalo\u017ei\u0165 si nov\u00fd \u00fa\u010det r\u00fdchlo vych\u00e1dza z m\u00f3dy. Modern\u00ed spotrebitelia chc\u00fa namiesto toho v\u0161etko robi\u0165 v aplik\u00e1cii.<\/p>\n<p>Samozrejme, prechod na vzdialen\u00e9 otv\u00e1ranie \u00fa\u010dtov je spojen\u00fd s vlastn\u00fdmi probl\u00e9mami. Z\u00e1kazn\u00edci musia nahra\u0165 dokumenty a doklady a necha\u0165 si skontrolova\u0165 kredit. Navy\u0161e je potrebn\u00e9 nahra\u0165 ich inform\u00e1cie do syst\u00e9mov banky.<\/p>\n<p><a href=\"https:\/\/www.zaptest.com\/sk\/10-procesov-aplikacii-a-operacii-ktore-dokaze-rpa-roboticka-automatizacia-procesov-zvladnut-a-automatizovat\">RPA pom\u00e1ha so v\u0161etk\u00fdmi t\u00fdmito procesmi<\/a> vr\u00e1tane komunik\u00e1cie so z\u00e1kazn\u00edkmi, spracovania dokumentov, overovania toto\u017enosti, kontroly kreditu, zad\u00e1vania \u00fadajov, aktualiz\u00e1cie \u00fa\u010dtov a \u010fal\u0161\u00edch. Je r\u00fdchly, \u0161k\u00e1lovate\u013en\u00fd, n\u00e1kladovo efekt\u00edvny a sp\u013a\u0148a po\u017eiadavky spotrebite\u013eov na samoobsluhu.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Spracovanie_ziadosti_o_pozicku\"><\/span><strong>#2. Spracovanie \u017eiadost\u00ed o p\u00f4\u017ei\u010dku<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Spracovanie \u017eiadost\u00ed o \u00faver je skvel\u00fdm pr\u00edkladom RPA v bankovn\u00edctve. Tieto procesy si vy\u017eaduj\u00fa intenz\u00edvnu kontrolu dokumentov a \u00fadajov o z\u00e1kazn\u00edkoch s cie\u013eom zmierni\u0165 straty. T\u00e1to d\u00f4kladnos\u0165 v\u0161ak mus\u00ed by\u0165 vyv\u00e1\u017een\u00e1 r\u00fdchlymi rozhodnutiami, aby sa zachovala konkurencieschopnos\u0165.<\/p>\n<p>RPA pom\u00e1ha pomocou optick\u00e9ho rozpozn\u00e1vania znakov (OCR) a <a href=\"https:\/\/www.zaptest.com\/sk\/inteligentna-automatizacia-procesov-vs-rpa-rozdiely-spolocne-crty-nastroje-a-prieniky-prekryvania\">inteligentn\u00e9ho spracovania dokumentov<\/a> (IDP) analyzova\u0165 dokumenty, extrahova\u0165 \u00fadaje a porovn\u00e1va\u0165 inform\u00e1cie s intern\u00fdmi dokumentmi na schv\u00e1lenie alebo zamietnutie \u00faverov. RPA poskytuje kombin\u00e1ciu r\u00fdchlosti a presnosti, ktor\u00fa spotrebitelia o\u010dak\u00e1vaj\u00fa od digit\u00e1lneho bankovn\u00edctva.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Automatizovana_zakaznicka_podpora\"><\/span><strong>#3. Automatizovan\u00e1 z\u00e1kazn\u00edcka podpora<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>V nadv\u00e4znosti na trend samoobslu\u017en\u00fdch slu\u017eieb pre z\u00e1kazn\u00edkov musia banky n\u00e1js\u0165 sp\u00f4soby, ako poskytova\u0165 svojim z\u00e1kazn\u00edkom r\u00fdchlu, nepretr\u017eit\u00fa a viackan\u00e1lov\u00fa podporu. RPA m\u00f4\u017ee pri tomto procese pom\u00f4c\u0165 nieko\u013ek\u00fdmi r\u00f4znymi sp\u00f4sobmi. Na za\u010diatok, roboty z\u00e1kazn\u00edckych slu\u017eieb m\u00f4\u017eu z\u00e1kazn\u00edkom poskytova\u0165 sofistikovan\u00e9 a kontextov\u00e9 poradenstvo. M\u00f4\u017ee to by\u0165 nie\u010do tak jednoduch\u00e9, ako s\u00fa odkazy na \u010dasto kladen\u00e9 ot\u00e1zky alebo datab\u00e1zy znalost\u00ed, alebo plnohodnotn\u00e9 konverz\u00e1cie s <a href=\"https:\/\/www.zaptest.com\/copilots-and-generative-ais-impact-in-rpa-and-software-testing-present-future\">podporou generat\u00edvnej umelej inteligencie<\/a>.<\/p>\n<p>RPA boti navy\u0161e m\u00f4\u017eu pom\u00f4c\u0165 pri rie\u0161en\u00ed probl\u00e9mov z\u00e1kazn\u00edkov t\u00fdm, \u017ee zhroma\u017e\u010fuj\u00fa \u00fadaje a dokument\u00e1ciu, pos\u00favaj\u00fa l\u00edstky na pr\u00edslu\u0161n\u00e9 oddelenia a poskytuj\u00fa automatizovan\u00fd kontakt s pou\u017e\u00edvate\u013emi po\u010das rie\u0161enia probl\u00e9mu. V spojen\u00ed s umelou inteligenciou a anal\u00fdzou \u00fadajov m\u00f4\u017eu n\u00e1stroje RPA pom\u00f4c\u0165 poskytova\u0165 personalizovanej\u0161ie slu\u017eby, \u010do pom\u00e1ha budova\u0165 d\u00f4veru.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Vytvaranie_sprav\"><\/span><strong>#4. Vytv\u00e1ranie spr\u00e1v<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>RPA pre bankovn\u00edctvo pom\u00e1ha uspokoji\u0165 potreby finan\u010dn\u00fdch slu\u017eieb pri vytv\u00e1ran\u00ed spr\u00e1v. V\u010faka prepojeniu s r\u00f4znymi datab\u00e1zami a tabu\u013ekami m\u00f4\u017eu zamestnanci pomocou n\u00e1strojov RPA z\u00edskava\u0165 inform\u00e1cie v re\u00e1lnom \u010dase, \u010do vedie k aktu\u00e1lnym spr\u00e1vam, ktor\u00e9 poskytuj\u00fa vysok\u00fd preh\u013ead.<\/p>\n<p>Cel\u00fd \u017eivotn\u00fd cyklus tvorby reportov sa s n\u00e1strojmi RPA zr\u00fdch\u013euje, preto\u017ee pom\u00e1haj\u00fa pri automatiz\u00e1cii zberu \u00fadajov, agreg\u00e1cii inform\u00e1ci\u00ed, generovan\u00ed reportov a distrib\u00facii fin\u00e1lneho produktu pr\u00edslu\u0161n\u00fdm pir\u00e1tom.<\/p>\n<p>V\u00fdkazy generovan\u00e9 RPA s\u00fa r\u00fdchlej\u0161ie, bezchybn\u00e9 a n\u00e1kladovo efekt\u00edvne. Syst\u00e9my RPA sa navy\u0161e daj\u00fa implementova\u0165 s oh\u013eadom na dodr\u017eiavanie predpisov, a ak sa spoja s n\u00e1strojmi umelej inteligencie, m\u00f4\u017eu pom\u00f4c\u0165 aj pri anal\u00fdze a rozhodovan\u00ed.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Odhalovanie_podvodov\"><\/span><strong>#5. Odha\u013eovanie podvodov<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Existuje nieko\u013eko sp\u00f4sobov, ako m\u00f4\u017ee RPA pom\u00f4c\u0165 finan\u010dn\u00fdm podnikom pri odha\u013eovan\u00ed podvodov. N\u00e1stroje RPA m\u00f4\u017eu zhroma\u017e\u010fova\u0165 a agregova\u0165 \u00fadaje s cie\u013eom u\u013eah\u010di\u0165 rozpozn\u00e1vanie vzorov. M\u00f4\u017ee sa pou\u017e\u00edva\u0165 aj na monitorovanie v re\u00e1lnom \u010dase, odosielanie upozornen\u00ed a vykon\u00e1vanie pravidiel na z\u00e1klade ur\u010dit\u00fdch zisten\u00ed alebo podmienok.<\/p>\n<p>Skuto\u010dn\u00e1 sila RPA pri odha\u013eovan\u00ed podvodov spo\u010d\u00edva v <a href=\"https:\/\/www.zaptest.com\/sk\/vplyv-ai-na-roboticku-automatizaciu-procesov-komplexna-diskusia-o-konvergencii-ai-a-rpa\">jej integr\u00e1cii s umelou inteligenciou<\/a>, a najm\u00e4 s algoritmami strojov\u00e9ho u\u010denia, ktor\u00e9 dok\u00e1\u017eu analyzova\u0165 obrovsk\u00e9 mno\u017estvo \u00fadajov s cie\u013eom odhali\u0165 anom\u00e1lie. Odtia\u013e m\u00f4\u017eu t\u00edto RPA boti upozorni\u0165 na pr\u00edpady na presk\u00famanie \u010dlovekom, \u010do bank\u00e1m a finan\u010dn\u00fdm in\u0161tit\u00faci\u00e1m umo\u017en\u00ed zn\u00ed\u017ei\u0165 rizik\u00e1 a straty spojen\u00e9 s podvodmi.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Dodrziavanie_predpisov\"><\/span><strong>#6. Dodr\u017eiavanie predpisov<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Dodr\u017eiavanie pr\u00e1vnych predpisov je v bankovom a finan\u010dnom sektore tak\u00fdm naliehav\u00fdm probl\u00e9mom, \u017ee v posledn\u00fdch rokoch vznikla cel\u00e1 rada technol\u00f3gi\u00ed, ktor\u00e9 tento probl\u00e9m rie\u0161ia. <a href=\"https:\/\/www.computerweekly.com\/news\/366541692\/Annual-spend-on-regtech-to-reach-more-than-200bn-by-2028\">V\u00fddavky na<\/a> \u0161pecializovan\u00e9 <a href=\"https:\/\/www.computerweekly.com\/news\/366541692\/Annual-spend-on-regtech-to-reach-more-than-200bn-by-2028\">regula\u010dn\u00e9 technol\u00f3gie (RegTech) by mali do roku 2028 dosiahnu\u0165 200 mili\u00e1rd USD<\/a>. RPA v\u0161ak m\u00f4\u017ee vyrie\u0161i\u0165 mnoh\u00e9 z t\u00fdchto probl\u00e9mov.<\/p>\n<p>N\u00e1stroje RPA na zabezpe\u010denie s\u00faladu s finan\u010dn\u00fdmi predpismi m\u00f4\u017eu pom\u00f4c\u0165 pri zhroma\u017e\u010fovan\u00ed \u00fadajov pre spr\u00e1vy s auditn\u00fdmi stopami, ktor\u00e9 s\u00fa ide\u00e1lne na preuk\u00e1zanie transparentnosti. RPA je navy\u0161e skvelou vo\u013ebou pre spr\u00e1vu a anonymiz\u00e1ciu \u00fadajov, poverenie a v\u0161eobecn\u00fa kybernetick\u00fa bezpe\u010dnos\u0165.<\/p>\n<p>Celkovo je plnenie regula\u010dn\u00fdch po\u017eiadaviek n\u00e1kladn\u00e9 a \u010dasovo n\u00e1ro\u010dn\u00e9. N\u00e1stroje RPA umo\u017e\u0148uj\u00fa t\u00edmom odbremeni\u0165 ich t\u00edm automatiz\u00e1ciou opakuj\u00facich sa \u00faloh KYC a AML. Je to ako stvoren\u00e9 pre neba.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Spracovanie_platieb\"><\/span><strong>#7. Spracovanie platieb<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Podobne ako RPA v \u00fa\u010dtovn\u00edctve, aj organiz\u00e1cie poskytuj\u00face finan\u010dn\u00e9 slu\u017eby m\u00f4\u017eu automatizova\u0165 mno\u017estvo pracovn\u00fdch transakci\u00ed a prevodov, \u010d\u00edm sa zabezpe\u010d\u00ed ich r\u00fdchle a bezchybn\u00e9 dokon\u010denie. <a href=\"https:\/\/www.zaptest.com\/sk\/technologia-rpa-prehlad-minulosti-sucasnosti-a-buducnosti\">RPA<\/a> je zdatn\u00e1 v automatiz\u00e1cii ve\u013ekoobjemov\u00fdch a opakuj\u00facich sa \u00faloh a spracovanie platieb do t\u00fdchto parametrov ur\u010dite patr\u00ed.<\/p>\n<p>N\u00e1stroje RPA m\u00f4\u017eu iniciova\u0165 platby, d\u00e1va\u0165 pokyny softv\u00e9ru na spracovanie platieb, odosiela\u0165 \u00fadaje na ods\u00fahlasenie a dokonca rie\u0161i\u0165 spory so z\u00e1kazn\u00edkmi. Op\u00e4\u0165 ide o presnos\u0165, efekt\u00edvnos\u0165 a zn\u00ed\u017eenie po\u010dtu \u013eudsk\u00fdch ch\u00fdb. Pri spr\u00e1vnom nastaven\u00ed m\u00f4\u017eu platby tie\u017e pom\u00f4c\u0165 splni\u0165 normy zhody a z\u00e1rove\u0148 umo\u017eni\u0165 roz\u0161\u00edrenie podnikania v oblasti finan\u010dn\u00fdch slu\u017eieb.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Automaticke_zatvaranie_uctov\"><\/span><strong>#8. Automatick\u00e9 zatv\u00e1ranie \u00fa\u010dtov<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>\u017diadna banka alebo finan\u010dn\u00e1 in\u0161tit\u00facia nem\u00e1 rada, ke\u010f jej z\u00e1kazn\u00edk od\u00edde, a to aj kv\u00f4li \u010fal\u0161ej administrat\u00edve, ktor\u00e1 t\u00fdm vznik\u00e1. N\u00e1stroje RPA v\u0161ak m\u00f4\u017eu tento proces zefekt\u00edvni\u0165, zefekt\u00edvni\u0165 n\u00e1klady a zabezpe\u010di\u0165 s\u00falad s predpismi. Banky m\u00f4\u017eu vyu\u017e\u00edva\u0165 RPA na zhroma\u017e\u010fovanie inform\u00e1ci\u00ed o z\u00e1kazn\u00edkoch z r\u00f4znych zdrojov a pl\u00e1novanie overovania \u00fa\u010dtov prostredn\u00edctvom kontroly zostatkov, dokumentov a stavu \u00fa\u010dtu.<\/p>\n<p>Zatvorenie \u00fa\u010dtu si \u010dasto vy\u017eaduje prevody finan\u010dn\u00fdch prostriedkov na nov\u00e9 miesta ur\u010denia a ozn\u00e1menie tret\u00edm stran\u00e1m. RPA m\u00e1 op\u00e4\u0165 dobr\u00e9 predpoklady na automatiz\u00e1ciu t\u00fdchto \u00faloh. Podniky poskytuj\u00face finan\u010dn\u00e9 slu\u017eby m\u00f4\u017eu tie\u017e vytv\u00e1ra\u0165 pr\u00edslu\u0161n\u00fa dokument\u00e1ciu a dokumenty a aktualizova\u0165 datab\u00e1zy z\u00e1kazn\u00edkov, aby odr\u00e1\u017eali v\u0161etky zmeny.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Riadenie_zamestnancov\"><\/span><strong>#9. Riadenie zamestnancov<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Finan\u010dn\u00e9 slu\u017eby vyu\u017e\u00edvaj\u00fa <a href=\"https:\/\/www.zaptest.com\/sk\/roboticka-automatizacia-procesov-rpa-v-oblasti-ludskych-zdrojov-pripadove-studie-priklady-vyhody-a-vyzvy-v-oblasti-ludskych-zdrojov\">n\u00e1stroje RPA na \u0161irok\u00fa \u0161k\u00e1lu \u00faloh s\u00favisiacich s \u013eudsk\u00fdmi zdrojmi<\/a>&#8211; od automatiz\u00e1cie spr\u00e1vy v\u00fddavkov a\u017e po n\u00e1stup zamestnancov a hodnotenie v\u00fdkonnosti. Ke\u010f\u017ee finan\u010dn\u00e9 in\u0161tit\u00facie s\u00fa pod tlakom na zefekt\u00edvnenie slu\u017eieb a zn\u00ed\u017eenie n\u00e1kladov, RPA predstavuje elegantn\u00e9 rie\u0161enie na zn\u00ed\u017eenie n\u00e1kladov spojen\u00fdch s riaden\u00edm zamestnancov.<\/p>\n<p>RPA pom\u00e1ha t\u00edmom automatizova\u0165 mzdy, benefity a spravova\u0165 nemocensk\u00fa dovolenku, a to v\u0161etko pri dodr\u017ean\u00ed po\u017eadovan\u00fdch noriem a poskytovan\u00ed r\u00fdchlej samoobslu\u017enej mo\u017enosti zamestnancom. V\u00fdhodou je v\u00e4\u010d\u0161ia spokojnos\u0165 zamestnancov, ktor\u00e1 pom\u00e1ha zvy\u0161ova\u0165 ich lojalitu a spokojnos\u0165 s pr\u00e1cou.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Pripadove_studie_RPA_vo_financnych_sluzbach\"><\/span><strong>Pr\u00edpadov\u00e9 \u0161t\u00fadie RPA vo finan\u010dn\u00fdch slu\u017eb\u00e1ch<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img data-dominant-color=\"37302c\" data-has-transparency=\"false\" style=\"--dominant-color: #37302c;\" decoding=\"async\" class=\"aligncenter size-full wp-image-66878 not-transparent\" src=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/09\/unit-testing-jpg.webp\" alt=\"testovanie jednotiek a faktory ovplyv\u0148uj\u00face RPA v oblasti financi\u00ed a bankovn\u00edctva\" 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>Samozrejme, po\u010d\u00fava\u0165 o pr\u00edpadoch pou\u017eitia RPA vo finan\u010dn\u00edctve a bankovn\u00edctve je jedna vec, ale pochopi\u0165, ako sa t\u00e1to technol\u00f3gia v tomto sektore uplatnila a ak\u00e9 hmatate\u013en\u00e9 v\u00fdhody organiz\u00e1ci\u00e1m priniesla, je najpresved\u010divej\u0161\u00ed sp\u00f4sob, ako mera\u0165 vplyv RPA.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Pripadova_studia_c_1_Eliminacia_ludskych_chyb\"><\/span><strong>Pr\u00edpadov\u00e1 \u0161t\u00fadia \u010d. 1: Elimin\u00e1cia \u013eudsk\u00fdch ch\u00fdb<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Glob\u00e1lna spolo\u010dnos\u0165 poskytuj\u00faca finan\u010dn\u00e9 slu\u017eby s takmer 240 000 zamestnancami vo viac ako 150 krajin\u00e1ch naliehavo potrebovala zefekt\u00edvni\u0165 svoje pracovn\u00e9 postupy a zn\u00ed\u017ei\u0165 po\u010det \u013eudsk\u00fdch ch\u00fdb spojen\u00fdch s manu\u00e1lnymi \u00falohami. Jedn\u00fdm z probl\u00e9mov, s ktor\u00fdmi sa museli popasova\u0165, bola r\u00f4znorodos\u0165 slu\u017eieb, ktor\u00e9 pon\u00fakali, vr\u00e1tane auditu, da\u0148ov\u00e9ho poradenstva, \u013eudsk\u00fdch zdrojov, kybernetickej bezpe\u010dnosti a riadenia transakci\u00ed.<\/p>\n<p>Existovali v\u0161ak aj in\u00e9 parametre. Spolo\u010dnos\u0165 nechcela prepracova\u0165 svoj s\u00fa\u010dasn\u00fd IT syst\u00e9m ani pr\u00edli\u0161 naru\u0161i\u0165 kontinuitu \u010dinnosti.<\/p>\n<p>Podnik zhroma\u017edil r\u00f4zne zainteresovan\u00e9 strany a pracovn\u00edkov IT v r\u00e1mci organiz\u00e1cie a vytvoril multifunk\u010dn\u00fd t\u00edm, aby zhroma\u017edil po\u017eiadavky a identifikoval pracovn\u00e9 postupy a obchodn\u00e9 procesy, ktor\u00e9 by mohol automatizova\u0165. Identifikovali opakuj\u00face sa \u00falohy s vysokou mierou \u013eudskej chyby a pre projekt stanovili \u0161tyri k\u013e\u00fa\u010dov\u00e9 ukazovatele v\u00fdkonnosti vr\u00e1tane r\u00fdchlosti, kvality \u00fadajov, auton\u00f3mie a vplyvu na produkt.<\/p>\n<p>Implement\u00e1cia trvala pribli\u017ene tri mesiace a na jej konci t\u00edm vytvoril RPA bota, ktor\u00fd trikr\u00e1t denne vymie\u0148al \u00fadaje v nespo\u010detn\u00fdch syst\u00e9moch. Projekt u\u0161etril 100 000 pracovn\u00fdch hod\u00edn ro\u010dne a 800 mili\u00f3nov dol\u00e1rov, pri\u010dom sa zn\u00ed\u017eili probl\u00e9my sp\u00f4soben\u00e9 \u013eudsk\u00fdmi chybami.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Pripadova_studia_c_2_Zrychlenie_spracovania_uverov\"><\/span><strong>Pr\u00edpadov\u00e1 \u0161t\u00fadia \u010d. 2: Zr\u00fdchlenie spracovania \u00faverov<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>V\u00fdznamn\u00e1 americk\u00e1 banka dost\u00e1vala mesa\u010dne viac ako 10 000 \u017eiadost\u00ed o \u00faver. Na spracovanie t\u00fdchto \u00faverov bolo potrebn\u00fdch 50 zamestnancov, pri\u010dom tento proces zah\u0155\u0148al presk\u00famanie \u017eiadost\u00ed o \u00faver, zhroma\u017e\u010fovanie a overovanie \u00fadajov o klientoch a nakoniec prijatie alebo zamietnutie \u00faveru. Bolo v\u0161ak potrebn\u00e9 rie\u0161i\u0165 \u010fal\u0161iu vrstvu zlo\u017eitosti, preto\u017ee banka sa spoliehala na star\u0161\u00ed softv\u00e9rov\u00fd syst\u00e9m.<\/p>\n<p>Po d\u00f4kladnom pl\u00e1novan\u00ed banka pou\u017eila RPA na automatiz\u00e1ciu cel\u00e9ho \u00faverov\u00e9ho procesu. N\u00e1stroje RPA \u010d\u00edtali a extrahovali \u00fadaje zo \u017eiadost\u00ed a overovali ich na z\u00e1klade \u00faverov\u00fdch polit\u00edk banky a pr\u00edslu\u0161n\u00e9ho regula\u010dn\u00e9ho r\u00e1mca. Na z\u00e1klade toho by syst\u00e9m mohol rozhodn\u00fa\u0165 o vhodnosti \u00faveru.<\/p>\n<p>Zaveden\u00edm rie\u0161enia RPA banka v\u00fdrazne zv\u00fd\u0161ila presnos\u0165 aj r\u00fdchlos\u0165 spracovania \u00faverov. Spracovanie \u017eiadost\u00ed sa skr\u00e1tilo o 80 % a \u00faplne sa zn\u00ed\u017eil po\u010det \u013eudsk\u00fdch ch\u00fdb. Zv\u00fd\u0161en\u00e1 efektivita zn\u00ed\u017eila \u013eudsk\u00fa pr\u00e1cu o 70 % a z\u00e1rove\u0148 zabezpe\u010dila, aby banka dodr\u017eiavala predpisy.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Pripadova_studia_c_3_Splnenie_regulacneho_zatazenia\"><\/span><strong>Pr\u00edpadov\u00e1 \u0161t\u00fadia \u010d. 3: Splnenie regula\u010dn\u00e9ho za\u0165a\u017eenia<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Nadn\u00e1rodn\u00e1 banka so s\u00eddlom v Spojenom kr\u00e1\u013eovstve \u010delila regula\u010dn\u00e9mu tlaku, aby nahradila jeden zo svojich produktov. Mali star\u0161ie kreditn\u00e9 karty, ktor\u00e9 z\u00e1kazn\u00edkom prin\u00e1\u0161ali body a odmeny. Potrebu prejs\u0165 na nov\u00fd model, ktor\u00fd si vy\u017eadoval v\u00fdber nov\u00fdch produktov od 1,4 mili\u00f3na z\u00e1kazn\u00edkov, v\u0161ak nebolo mo\u017en\u00e9 zvl\u00e1dnu\u0165 manu\u00e1lne.<\/p>\n<p>Procesy, ktor\u00e9 bolo potrebn\u00e9 automatizova\u0165, zah\u0155\u0148ali zasielanie ozn\u00e1men\u00ed z\u00e1kazn\u00edkom o zmen\u00e1ch, spracovanie rozhodnut\u00ed z\u00e1kazn\u00edkov, aktualiz\u00e1ciu \u00fadajov v syst\u00e9moch spolo\u010dnosti a zaznamen\u00e1vanie zmien, aby boli splnen\u00e9 po\u017eiadavky auditu. Bolo v\u0161ak potrebn\u00e9 prekona\u0165 \u010dasov\u00e9 a rozpo\u010dtov\u00e9 obmedzenia, ktor\u00e9 pridali \u010fal\u0161ie prek\u00e1\u017eky.<\/p>\n<p>Banka zaviedla backendov\u00fa datab\u00e1zu SQL pre syst\u00e9m CRM a vytvorila datab\u00e1zu, ktor\u00e1 by mohla pokry\u0165 v\u0161etky scen\u00e1re, ktor\u00e9 by mohli pom\u00f4c\u0165 pri rozhodovan\u00ed. Okrem toho automatizovali kroky pri prep\u00ednan\u00ed produktov vr\u00e1tane komunik\u00e1cie a sp\u00e4tnej v\u00e4zby. Nakoniec vytvorili port\u00e1l spr\u00e1vcu, ktor\u00fd sl\u00fa\u017ei na vyh\u013ead\u00e1vanie spr\u00e1v.<\/p>\n<p>Kone\u010dn\u00e9 v\u00fdsledky zah\u0155\u0148ali \u00fasporu 1,2 mili\u00f3na libier ro\u010dne, \u00fasporu n\u00e1kladov na zamestnanie 18 zamestnancov na pln\u00fd \u00fav\u00e4zok, zv\u00fd\u0161enie presnosti na 100 % a splnenie regula\u010dn\u00fdch po\u017eiadaviek.<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Vyzvy_ktorym_celi_roboticky_proces\"><\/span><strong>V\u00fdzvy, ktor\u00fdm \u010del\u00ed robotick\u00fd proces  <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Automatizacia_v_bankovom_a_financnom_sektore\"><\/span><strong>Automatiz\u00e1cia v bankovom a finan\u010dnom sektore<\/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=\"testovanie z\u00e1\u0165a\u017ee a RPA\" width=\"693\" height=\"462\"><\/p>\n<p>Implement\u00e1cia automatiz\u00e1cie pre bankov\u00e9 a finan\u010dn\u00e9 t\u00edmy je spojen\u00e1 s ur\u010dit\u00fdmi \u0161pecifick\u00fdmi v\u00fdzvami vypl\u00fdvaj\u00facimi z kult\u00fary a pracovn\u00fdch postupov v oboch sektoroch.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Starsia_infrastruktura\"><\/span><strong>#1. Star\u0161ia infra\u0161trukt\u00fara<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Finan\u010dn\u00fd sektor m\u00e1 zasl\u00fa\u017een\u00fa poves\u0165 sentiment\u00e1lneho odvetvia, pokia\u013e ide o IT technol\u00f3gie. Za\u010diatkom roka 2020 viac ako <a href=\"https:\/\/fortune.com\/2023\/09\/26\/github-ceo-wall-street-relies-software-developed-ai-next-financial-crisis-thomas-dohmke\/\">40 % ve\u013ek\u00fdch finan\u010dn\u00fdch in\u0161tit\u00faci\u00ed v USA st\u00e1le pou\u017e\u00edvalo softv\u00e9r postaven\u00fd na jazyku COBOL (Common Business Oriented Language <\/a>), programovacom jazyku vyn\u00e1jdenom v roku 1959. Navy\u0161e mnoh\u00e9 podniky st\u00e1le pou\u017e\u00edvaj\u00fa na spracovanie \u00fadajov po\u010d\u00edta\u010de mainframe.<\/p>\n<p>RPA je \u00fa\u010dinn\u00fdm n\u00e1strojom na integr\u00e1ciu star\u0161\u00edch syst\u00e9mov s modern\u00fdmi cloudov\u00fdmi aplik\u00e1ciami a API. M\u00f4\u017ee sa pou\u017ei\u0165 aj na migr\u00e1ciu \u00fadajov z t\u00fdchto zastaran\u00fdch syst\u00e9mov a zn\u00ed\u017ei\u0165 n\u00e1klady na \u00fadr\u017ebu spojen\u00e9 so star\u0161ou technol\u00f3giou.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Standardizacia_procesov\"><\/span><strong>#2. \u0160tandardiz\u00e1cia procesov<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>V z\u00e1vislosti od kult\u00fary, zamestnancov a vysokej koncentr\u00e1cie star\u0161\u00edch syst\u00e9mov v r\u00e1mci firemnej architekt\u00fary bud\u00fa ma\u0165 finan\u010dn\u00e9 in\u0161tit\u00facie svoje vlastn\u00e9 pracovn\u00e9 postupy a procesy, \u010dasto v r\u00e1mci r\u00f4znych oddelen\u00ed. Pokusy o implement\u00e1ciu rie\u0161en\u00ed RPA si bud\u00fa vy\u017eadova\u0165 spolupr\u00e1cu medzi jednotliv\u00fdmi oddeleniami a \u0161tandardiz\u00e1ciu procesov.<\/p>\n<p>\u0160tandardiz\u00e1cia procesov je v mnoh\u00fdch oh\u013eadoch len s\u00fa\u010das\u0165ou zvy\u0161ovania efekt\u00edvnosti. Ak dve oddelenia alebo \u010dlenovia t\u00edmu robia t\u00fa ist\u00fa vec ve\u013emi odli\u0161n\u00fdmi sp\u00f4sobmi, jeden z nich bude menej efekt\u00edvny ako druh\u00fd z h\u013eadiska vyu\u017eitia \u010dasu alebo zdrojov. \u0160tandardiz\u00e1cia procesov znamen\u00e1, \u017ee organiz\u00e1cie m\u00f4\u017eu vyu\u017e\u00edva\u0165 v\u00fdhody rie\u0161en\u00ed RPA.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Mytus_o_striebornej_gulke\"><\/span><strong>#3. M\u00fdtus o striebornej gu\u013eke<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Spolo\u010dnos\u0165 Deloitte nazna\u010duje, \u017ee existuje nebezpe\u010denstvo, \u017ee finan\u010dn\u00e9 organiz\u00e1cie veria, \u017ee kognit\u00edvna RPA bude <a href=\"https:\/\/www2.deloitte.com\/content\/dam\/Deloitte\/us\/Documents\/process-and-operations\/us-cons-automation-driven-transformation.pdf\">&#8222;striebornou gu\u013ekou&#8220; <\/a>, ktor\u00fa mo\u017eno &#8222;aplikova\u0165 na z\u00e1sadne nefunk\u010dn\u00fd proces s o\u010dak\u00e1van\u00edm, \u017ee sa oprav\u00ed s\u00e1m&#8220;.<\/p>\n<p>V skuto\u010dnosti si implement\u00e1cia ak\u00e9hoko\u013evek syst\u00e9mu RPA vy\u017eaduje starostliv\u00e9 zhroma\u017e\u010fovanie po\u017eiadaviek a pl\u00e1novanie. Konzult\u00e1cia s odborn\u00edkom na RPA m\u00f4\u017ee vyrie\u0161i\u0165 mnoh\u00e9 probl\u00e9my spojen\u00e9 s implement\u00e1ciou tejto technol\u00f3gie do u\u017e aj tak zlo\u017eit\u00e9ho ekosyst\u00e9mu.<\/p>\n<h3><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"4_Dodrziavanie_pravnych_predpisov\"><\/span><strong>#4. Dodr\u017eiavanie pr\u00e1vnych predpisov<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Finan\u010dn\u00e9 slu\u017eby s\u00fa jedn\u00fdm z najpr\u00edsnej\u0161ie regulovan\u00fdch sektorov s pravidlami t\u00fdkaj\u00facimi sa zaobch\u00e1dzania s citliv\u00fdmi \u00fadajmi a dokonca aj s rizikami. V\u0161etky rie\u0161enia RPA sa preto bud\u00fa musie\u0165 prisp\u00f4sobi\u0165 t\u00fdmto obmedzeniam a zabezpe\u010di\u0165 s\u00falad s pr\u00e1vnymi predpismi.<\/p>\n<p>RPA je vhodn\u00fdm kandid\u00e1tom pre tieto scen\u00e1re, preto\u017ee pre ka\u017ed\u00fd proces existuj\u00fa z\u00e1znamy, ktor\u00e9 s\u00fa nevyhnutn\u00e9 pre finan\u010dn\u00e9 audity. Navy\u0161e, zatia\u013e \u010do sa predpisy neust\u00e1le menia a aktualizuj\u00fa, RPA pon\u00faka flexibilitu, ktor\u00e1 umo\u017e\u0148uje prisp\u00f4sobi\u0165 sa nov\u00fdm pravidl\u00e1m. Napokon, automatiz\u00e1cia m\u00f4\u017ee pom\u00f4c\u0165 zabezpe\u010di\u0165, aby citliv\u00e9 finan\u010dn\u00e9 a osobn\u00e9 \u00fadaje neboli pr\u00edstupn\u00e9 \u013eudsk\u00fdm o\u010diam, \u010do predstavuje \u010fal\u0161iu \u00farove\u0148 zabezpe\u010denia.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Nedostatok_zrucnosti\"><\/span><strong>#5. Nedostatok zru\u010dnost\u00ed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Nedostatok zru\u010dnost\u00ed v oblasti IT ovplyvnil v posledn\u00fdch rokoch odvetvie finan\u010dn\u00fdch slu\u017eieb. Implement\u00e1cia rie\u0161en\u00ed RPA je preto n\u00e1ro\u010dn\u00e1 bez sk\u00fasenost\u00ed a odborn\u00fdch znalost\u00ed IT \u0161pecialistov.<\/p>\n<p>\u00daspe\u0161n\u00e9 zavedenie RPA si vy\u017eaduje hlbok\u00e9 pochopenie technol\u00f3gie vr\u00e1tane jej potenci\u00e1lu a obmedzen\u00ed. Pou\u017e\u00edvatelia <a href=\"https:\/\/www.zaptest.com\/sk\">ZAPTEST<\/a> Enterprise m\u00f4\u017eu vyu\u017ei\u0165 slu\u017eby \u0161pecializovan\u00e9ho experta ZAP, ktor\u00fd s nimi m\u00f4\u017ee \u00fazko spolupracova\u0165, aby pochopili po\u017eiadavky a pomohol im implementova\u0165 rie\u0161enia RPA na z\u00e1klade osved\u010den\u00fdch postupov v odvetv\u00ed. Tento doplnok m\u00f4\u017ee t\u00edmom pom\u00f4c\u0165 prekona\u0165 relat\u00edvny nedostatok \u0161pecialistov na RPA.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Trendy_v_oblasti_RPA_v_bankovom_sektore\"><\/span><strong>Trendy v oblasti RPA v bankovom sektore<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img data-dominant-color=\"111720\" data-has-transparency=\"false\" style=\"--dominant-color: #111720;\" decoding=\"async\" class=\"aligncenter wp-image-72881 not-transparent\" src=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-1024x682.webp\" alt=\"Trendy v oblasti rpa\" width=\"493\" height=\"328\" srcset=\"https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-1024x682.webp 1024w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-300x200.webp 300w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-768x511.webp 768w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-1536x1022.webp 1536w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-1080x719.webp 1080w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-1280x852.webp 1280w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-980x652.webp 980w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-480x320.webp 480w, https:\/\/www.zaptest.com\/wp-content\/uploads\/2023\/12\/Robotic-Process-Automation-RPA-Market-Size-Share-Growth-Trends-Analysis-1-jpeg.webp 1920w\" sizes=\"(max-width: 493px) 100vw, 493px\" \/><\/p>\n<p>Odvetvie finan\u010dn\u00fdch slu\u017eieb r\u00fdchlo reaguje na meniace sa po\u017eiadavky spotrebite\u013eov a regula\u010dn\u00fdch org\u00e1nov. Presk\u00famame niektor\u00e9 trendy RPA v oblasti financi\u00ed a bankovn\u00edctva.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Inteligentna_automatizacia\"><\/span><strong>#1. Inteligentn\u00e1 automatiz\u00e1cia<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.zaptest.com\/sk\/inteligentna-automatizacia-procesov-vs-rpa-rozdiely-spolocne-crty-nastroje-a-prieniky-prekryvania\">Inteligentn\u00e1 automatiz\u00e1cia<\/a> (IA) zah\u0155\u0148a pou\u017eitie in\u00fdch typov umelej inteligencie v spojen\u00ed s n\u00e1strojmi RPA. Niektor\u00e9 z t\u00fdchto technol\u00f3gi\u00ed zah\u0155\u0148aj\u00fa inteligentn\u00e9 spracovanie dokumentov (IDP) a strojov\u00e9 u\u010denie.<\/p>\n<p>Pridanie t\u00fdchto n\u00e1strojov prekon\u00e1va prirodzen\u00e9 obmedzenia RPA pri pr\u00e1ci s ne\u0161trukt\u00farovan\u00fdmi \u00fadajmi a schopnos\u0165ami rozhodovania. V\u00fdsledkom je, \u017ee sa zvy\u0161uje rozsah automatizovate\u013en\u00fdch \u00faloh, \u010do finan\u010dn\u00fdm in\u0161tit\u00faci\u00e1m umo\u017e\u0148uje robi\u0165 viac.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_RPA_na_baze_cloudu\"><\/span><strong>#2. RPA na b\u00e1ze cloudu<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Zatia\u013e \u010do prv\u00e9 syst\u00e9my RPA boli zvy\u010dajne on-prem, v posledn\u00fdch rokoch sme zaznamenali v\u00fdrazn\u00fd posun smerom ku cloudov\u00fdm n\u00e1strojom. Tento prechod m\u00e1 mnoho v\u00fdhod vr\u00e1tane bezpe\u010dn\u00e9ho vzdialen\u00e9ho pr\u00edstupu pre distribuovan\u00e9 t\u00edmy.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Generativna_umela_inteligencia\"><\/span><strong>#3. Generat\u00edvna umel\u00e1 inteligencia<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Generat\u00edvna umel\u00e1 inteligencia m\u00e1 vplyv na \u0161irok\u00fa \u0161k\u00e1lu odvetv\u00ed, pri\u010dom bankov\u00fd a finan\u010dn\u00fd sektor nie je v\u00fdnimkou. Existuje ve\u013ea r\u00f4znych pr\u00edpadov pou\u017eitia vr\u00e1tane chatbotov asistentov pre z\u00e1kazn\u00edkov, tvorby obsahu a vytv\u00e1rania spr\u00e1v. Banky a finan\u010dn\u00e9 slu\u017eby m\u00f4\u017eu tie\u017e vytvori\u0165 vlastn\u00e9 intern\u00e9 umel\u00e9 inteligencie, ktor\u00e9 sa bud\u00fa zaobera\u0165 predpismi t\u00fdkaj\u00facimi sa finan\u010dn\u00fdch a osobn\u00fdch \u00fadajov.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Asistovana_RPA\"><\/span><strong>#4. Asistovan\u00e1 RPA<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Zatia\u013e \u010do neasistovan\u00e1 RPA je st\u00e1le najob\u013e\u00fabenej\u0161ou formou automatiz\u00e1cie pou\u017e\u00edvanou v podnikovom svete, asistovan\u00e1 RPA z\u00edskava na v\u00fdzname. Tieto n\u00e1stroje sa bez probl\u00e9mov za\u010dlenia do pracovn\u00e9ho procesu zamestnanca. Napr\u00edklad z\u00e1stupca z\u00e1kazn\u00edckeho servisu by mohol automatizova\u0165 vyh\u013ead\u00e1vanie \u00fadajov alebo spracovanie \u00faloh za chodu, \u010do by viedlo k ove\u013ea vy\u0161\u0161ej produktivite a v kone\u010dnom d\u00f4sledku k spokojnej\u0161\u00edm z\u00e1kazn\u00edkom.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Buducnost_automatizacie_v_bankovnictve\"><\/span><strong>Bud\u00facnos\u0165 automatiz\u00e1cie v bankovn\u00edctve<\/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=\"bud\u00facnos\u0165 rpa\" width=\"628\" height=\"353\"><\/p>\n<p>Robotick\u00e1 automatiz\u00e1cia procesov v oblasti financi\u00ed a bankovn\u00edctva je dobre zaveden\u00e1. M\u00e1 v\u0161ak dostatok priestoru na zauj\u00edmav\u00fd a inovat\u00edvny rozvoj.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Hyperautomatizacia\"><\/span><strong>#1. Hyperautomatiz\u00e1cia<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Anal\u00fdza \u00fadajov, umel\u00e1 inteligencia, spracovanie prirodzen\u00e9ho jazyka (NLP) a RPA sa bud\u00fa sp\u00e1ja\u0165 s cie\u013eom vytvori\u0165 bankov\u00e9 a finan\u010dn\u00e9 syst\u00e9my, ktor\u00e9 automatizuj\u00fa v\u0161etko mo\u017en\u00e9, od back-end procesov a\u017e po front-end pracovn\u00e9 postupy. Tento futuristick\u00fd cie\u013e sa naz\u00fdva <a href=\"https:\/\/www.zaptest.com\/hyperautomation\">Hyperautomation<\/a>.<\/p>\n<p>Hyperautomatiz\u00e1cia by sa v bankovom sektore mohla uplatni\u0165 nieko\u013ek\u00fdmi sp\u00f4sobmi. Okrem robotickej automatiz\u00e1cie procesov v oblasti financi\u00ed a \u00fa\u010dtovn\u00edctva by sme sa mohli do\u010dka\u0165 spolupr\u00e1ce medzi \u013eu\u010fmi a po\u010d\u00edta\u010dmi na vy\u0161\u0161ej \u00farovni, pri\u010dom strojov\u00e9 u\u010denie a analytika by odpor\u00fa\u010dali rozhodnutia na schv\u00e1lenie \u013eu\u010fom.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Vysoko_personalizovany_dizajn_aplikacie_bez_kodu\"><\/span><strong>#2. Vysoko personalizovan\u00fd dizajn aplik\u00e1cie bez k\u00f3du<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>N\u00e1vrh aplik\u00e1ci\u00ed v bankovn\u00edctve je zlo\u017eit\u00fd. Do ve\u013ekej miery to s\u00favis\u00ed s pr\u00edsnymi z\u00e1konmi upravuj\u00facimi finan\u010dn\u00e9 a osobn\u00e9 \u00fadaje. V\u010faka n\u00e1strojom RPA s umelou inteligenciou a rozhraniami API v\u0161ak do tohto priestoru pribudn\u00fa aplik\u00e1cie bez k\u00f3dovania. <a href=\"https:\/\/www.zaptest.com\/sk\/kompletny-sprievodca-automatizaciou-testovania-softveru\">Automatiz\u00e1cia testovania softv\u00e9ru<\/a> bude ve\u013ekou s\u00fa\u010das\u0165ou zabezpe\u010denia integrity aj bezpe\u010dnosti tohto softv\u00e9ru, ktor\u00fd mo\u017eno prisp\u00f4sobi\u0165 individu\u00e1lnym pracovn\u00fdm postupom alebo firemnej kult\u00fare.<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Prediktivne_odhalovanie_podvodov\"><\/span><strong>#3. Predikt\u00edvne odha\u013eovanie podvodov<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Odha\u013eovanie podvodov je pre finan\u010dn\u00e9 in\u0161tit\u00facie ve\u013ek\u00fdm probl\u00e9mom. V Spojenom kr\u00e1\u013eovstve st\u00e1li podvody banky v roku 2022 pribli\u017ene 1,2 miliardy libier. N\u00e1stroje strojov\u00e9ho u\u010denia sa u\u017e pou\u017e\u00edvaj\u00fa prostredn\u00edctvom RPA v oblasti financi\u00ed a \u00fa\u010dtovn\u00edctva a s\u00fa schopn\u00e9 odhali\u0165 podvody. V bud\u00facnosti by v\u0161ak dostato\u010dne dobre vy\u0161kolen\u00e9 ML algoritmy mohli predpoveda\u0165 pravdepodobnos\u0165 podvodu v \u010dase podania \u017eiadosti alebo na z\u00e1klade ur\u010dit\u00e9ho s\u00faboru krokov. D\u00f4sledky \u00faspory n\u00e1kladov s\u00fa obrovsk\u00e9.<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Zaverecne_myslienky\"><\/span><strong>Z\u00e1vere\u010dn\u00e9 my\u0161lienky<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p>Robotick\u00e1 automatiz\u00e1cia procesov v bankovn\u00edctve a finan\u010dn\u00edctve je r\u00fdchlo sa rozv\u00edjaj\u00faca a vzru\u0161uj\u00faca oblas\u0165. Moderniz\u00e1cia a rast\u00faca technologick\u00e1 vyspelos\u0165 v sektore finan\u010dn\u00fdch slu\u017eieb znamen\u00e1, \u017ee RPA v bankovn\u00edctve nie je len pr\u00edjemnou z\u00e1le\u017eitos\u0165ou, ale je rozhoduj\u00faca pre konkurovanie va\u0161im konkurentom.<\/p>\n<p>Vyu\u017eitie robotickej automatiz\u00e1cie procesov v oblasti financi\u00ed a bankovn\u00edctva zvy\u0161uje efektivitu a dodr\u017eiavanie noriem a \u0161etr\u00ed peniaze. Ke\u010f\u017ee banky sa viac zameriavaj\u00fa na z\u00e1kazn\u00edkov, automatiz\u00e1cia financi\u00ed pom\u00f4\u017ee zabezpe\u010di\u0165 lep\u0161iu z\u00e1kazn\u00edcku sk\u00fasenos\u0165 a zv\u00fd\u0161en\u00fa personaliz\u00e1ciu, najm\u00e4 v kombin\u00e1cii s n\u00e1strojmi umelej inteligencie. Zefekt\u00edvnenie prev\u00e1dzky prinesie \u00faspory pou\u017e\u00edvate\u013eom, zatia\u013e \u010do inovat\u00edvne nov\u00e9 produkty uspokoja dopyt po aplik\u00e1ci\u00e1ch, ktor\u00e9 pom\u00e1haj\u00fa pou\u017e\u00edvate\u013eom \u0161etri\u0165, tvori\u0165 rozpo\u010det a dosahova\u0165 \u017eivotn\u00e9 ciele.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Robotick\u00e1 automatiz\u00e1cia procesov v bankovn\u00edctve a finan\u010dn\u00edctve je jedn\u00fdm z najsilnej\u0161\u00edch a najpresved\u010divej\u0161\u00edch pr\u00edpadov vyu\u017eitia automatiza\u010dn\u00fdch technol\u00f3gi\u00ed. Automatiz\u00e1cia obchodovania je roz\u0161\u00edren\u00e1 od 70. a 80. rokov minul\u00e9ho storo\u010dia, ale RPA otv\u00e1ra in\u00fd typ mechaniz\u00e1cie s v\u00e4\u010d\u0161\u00edm zameran\u00edm na zni\u017eovanie n\u00e1kladov a zlep\u0161ovanie sk\u00fasenost\u00ed spotrebite\u013eov. RPA v bankovn\u00edctve tie\u017e umo\u017enila podnikom reagova\u0165 na neust\u00e1le sa meniace [&hellip;]<\/p>\n","protected":false},"author":14624,"featured_media":74268,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"Robotick\u00e1 automatiz\u00e1cia procesov (RPA) v bankovn\u00edctve a financi\u00e1ch","_seopress_titles_desc":"Zistite viac o RPA v oblasti financi\u00ed a bankovn\u00edctva: ve\u013ekos\u0165 trhu, faktory ovplyv\u0148uj\u00face robotick\u00fa automatiz\u00e1ciu procesov v t\u00fdchto oblastiach, v\u00fdzvy RPA v oblasti financi\u00ed a \u010fal\u0161ie!","_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":[330],"tags":[],"class_list":{"0":"post-74298","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-roboticka-automatizacia-procesov"},"acf":{"short_name":"RPA vo financi\u00e1ch a bankovn\u00edctve"},"_links":{"self":[{"href":"https:\/\/www.zaptest.com\/sk\/wp-json\/wp\/v2\/posts\/74298","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.zaptest.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.zaptest.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.zaptest.com\/sk\/wp-json\/wp\/v2\/users\/14624"}],"replies":[{"embeddable":true,"href":"https:\/\/www.zaptest.com\/sk\/wp-json\/wp\/v2\/comments?post=74298"}],"version-history":[{"count":0,"href":"https:\/\/www.zaptest.com\/sk\/wp-json\/wp\/v2\/posts\/74298\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.zaptest.com\/sk\/wp-json\/wp\/v2\/media\/74268"}],"wp:attachment":[{"href":"https:\/\/www.zaptest.com\/sk\/wp-json\/wp\/v2\/media?parent=74298"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.zaptest.com\/sk\/wp-json\/wp\/v2\/categories?post=74298"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.zaptest.com\/sk\/wp-json\/wp\/v2\/tags?post=74298"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}