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This article mainly introduces "what are the applications of rpa technology in banks". In daily operation, I believe many people have doubts about the application of rpa technology in banks. The editor consulted all kinds of materials and sorted out simple and easy-to-use operation methods. I hope it will be helpful to answer the doubts about "what applications of rpa technology in banks". Next, please follow the editor to study!

The applications of rpa technology in banks include: interbank reconciliation, bank head branch reconciliation, bank VAT declaration, bank signature card and account balance table information inquiry and download, bank inquiry internal multi-account balance, bank invoice verification check automation, bank trade department credit voucher, bank third-party risk control monitoring, PCRM system performance import.

The operating environment of this tutorial: windows7 system, Dell G3 computer.

RPA robots can help banks handle most large-scale and routine data movement tasks.

These include:

Account maintenance, account closure, loan initiation, commercial loans, consumer loans, mortgage processing, deposits, account sources and receivables, underwriter support, fraud and risk review, anti-money laundering.

Application scenarios of banking RPA:

According to the previous project experience, nine common RPA scenarios in the banking industry are summarized for reference.

I. Interbank reconciliation

The flow chart is as follows:

Because it involves the online bank login of each bank, the security of password storage is very important in automation. at the same time, it is necessary to be able to identify the bank's secure password login. Some banks cannot identify interface elements after popping up the box. Some even identify must be entered by a soft keyboard.

The UiBot keystroke box perfectly solves these two problems, not only can store passwords in it (can store 30 different password combinations) with high security, but also can simulate password input without identifying elements or soft keyboards (currently, the new keypad only supports UiBot).

In addition, the login of some banks will involve the problem of CAPTCHA, which is basically a combination of four to five digits in English, which can be identified by general OCR, but the pass rate is not very high, and a third-party manual coding platform can also be used. the correct rate is close to 100%, which is more applicable.

II. Reconciliation of the head office of the bank

The flow chart is as follows:

Reconcile the accounts payable by hand of each branch with the consolidated statement of the head office. Specific considerations have been explained in previous reconciliation articles.

III. Banks declare value-added tax

The flow chart is as follows:

Every quarter, the bank has to declare the value-added tax and calculate the distribution of each tax to each tax-paying agency. The amount of data ranges from 150000 to 500000.

It is very important to select the appropriate data processing in this process. Although it has been said that the effect of array processing is very fast, when the amount of data is relatively large and cumbersome, it will be faster to adopt customized data processing in Excel according to business logic requirements.

It has been tested that it takes nearly 8 to 12 minutes to process hundreds of thousands of data with arrays, while customized data processing with Excel, which is more appropriate to business logic, takes between 65 and 90 seconds.

IV. Information inquiry and download of bank signature card and account balance sheet

The flow chart is as follows:

Because different accounts have different download permissions, one account is required to take turns downloading different information tables, and then data processing is carried out to generate reports. Matters needing attention in this process have been described in the previous article.

Banks inquire the balance of internal multi-account accounts

The flow chart is as follows:

In the core teller system of the bank, the internal account balance is queried in large quantities, and the query results are generated into reports. This process is very consistent with one of the characteristics of RPA to solve the problem: manual batch repetition of operations.

VI. Automation of bank invoice verification

The flow chart is as follows:

VAT platform login needs to insert the tax disk, and the validity of the invoice is one year, so to download the invoice information of the past year, in the case of a large amount of data, it is very difficult to download all at once, especially in the busy period. the failure rate of downloading one year is very high and even unable to download all the quantity at once. After testing, about 6000 invoice information can be downloaded at one time, so it will be downloaded in batches according to the size of the quantity. And then merge.

On the other hand, the recognition rate of OCR does not guarantee 100%, so if the customer defaults to true, the special ticket can return the information according to the invoice information downloaded by the VAT platform to improve the accuracy of the key information, and then use the correct matching information to verify the authenticity, so that the full face information can be obtained through the interface (when there was no interface earlier, the verification code was basically identified through the third-party coding platform. Because the CAPTCHA has a combination of color distinction and Chinese and English numbers, and because of the network of the national tax website, the pass rate is not high, so the efficiency of verification is not very satisfactory.

For the problem of internal and external network isolation, if the bank allows the use of VPN, we can solve the problem of internal and external network through VPN, otherwise we need to transmit attachment information by mail.

VII. credit vouchers of the Ministry of Bank Trade and Finance

The flow chart is as follows:

Because we want to specify the customer's email attachment, in order to make the process automation convenient and efficient, we put the qualified customer mail in the designated inbox according to the mail rules, and then specifically deal with the attachment in this inbox.

On the other hand, some data cannot be validated in the early stage, so if there is a red report of non-compliant information when entering into the system, it will be judged according to whether the data is wrong, and then report the wrong information. Reply to the customer in the original email to modify the information.

VIII. Bank third-party risk control and monitoring

The flow chart is as follows:

Using UiBot's Work runner, the robot automatically triggers to run in the early hours of each working day, goes to the financial websites of major enterprises to crawl financial data, generates a financial risk analysis report according to the financial rules set in advance, and informs the business staff by email.

Business staff will receive such emails in the morning of the next working day, and they do not need to spend a lot of time crawling data on major financial websites for data analysis after work, thus saving business staff valuable working time in the morning to do more meaningful creative work.

IX. Performance introduction of PCRM system

The flow chart is as follows:

The prepared Excel file information is classified according to the business performance, and then the classified performance files are uploaded in the corresponding performance interface through the PCRM system in turn. This batch classification and upload of files is one of the scenarios that RPA is very suitable for, and has obvious results in improving the work efficiency of banking staff.

At this point, the study on "what are the applications of rpa technology in banks" is over. I hope to be able to solve your doubts. The collocation of theory and practice can better help you learn, go and try it! If you want to continue to learn more related knowledge, please continue to follow the website, the editor will continue to work hard to bring you more practical articles!

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