RPA: Bank digitalization, business process automation "a small step", and loan review efficiency "a big step"

   Digital age , With 5G、 Cloud computing 、 New technologies such as big data and artificial intelligence continue to innovate and apply , Digital transformation is also the general trend . among , The digitalization of banking industry is at the forefront , Focus on the construction of digital general core competence system . Now , automation 、 Intelligent tools are widely used in demand touch 、 Risk management 、 Fund pricing and other business services and decision management ,RPA、 natural language processing 、 machine learning 、 Computer vision 、 Knowledge atlas and other text intelligent processing technologies are becoming an important way of bank digital transformation , Constantly expand the existing capacity boundary of the bank , Run out of transformation acceleration .

One 、 Build a solid bottom line for bank digitalization , Grasp the risk of loan business “ Pain points ”

In banking business , Loan business is one of the core businesses of banks , It is also the main source of bank profits , But it is also the main risk of the bank .

Security is the bottom line and red line to promote digital transformation , Improve digital risk management and control capabilities , The bank needs to 、 During and after the loan , Every link should be done to effectively avoid risks ： Before loan , The bank needs to carry out an effective due diligence on the borrower ; In credit , Strictly review the data ; After the loan , Need to track and follow up in time .

 such as , The pre loan investigation was not detailed enough , Lack of solvency to customers 、 Comprehensive grasp of operating cash flow and credit status , It may cause risks in granting loans to customers who do not meet the borrowing conditions or are unable to repay .

To avoid the risk of bank loans , The most important step for banks is to conduct comprehensive and effective due diligence on borrowers . However, there are often some pain points in the audit of traditional bank loan business ：

1、 Electronic collection of customer data is time-consuming and laborious . The formats and sources of various materials collected by the account manager are diverse , It is difficult to unify information , Traditional offline collection and online information entry require a lot of time for customer managers .

2、 There are various types of data . There are more than ten kinds of materials that need to be checked in loan business , Including loan receipt 、 Letter of commitment 、 Loan application 、 Repayment commitment, etc .

3、 Cross checking between data is complex . Data cross checking poses a great challenge to manual audit , The customer manager is required to be clear about the verification relationship between more than ten kinds of documents , Therefore, offline manual loan review is inefficient , Long audit cycle , These problems seriously restrict the healthy development of bank loan business .

Two 、 Business Process Automation “ A small step ”, Loan review efficiency “ A big step ”

 Data capabilities and intelligent capabilities have gradually become the key competition points of the banking industry , Replace experience with data , It is the core of the digitalization stage of the banking industry .

In recent days, , Really intelligent AI product “supertext Smart text ” The new version was successfully released , Further enrich the real intelligent document review product matrix , Help the banking industry realize the differentiation of management and services 、 Individualization 、 Intelligent .

  Real intelligence supertext Smart text with RPA、NLP、OCR And other cutting-edge technologies , Applied to the electronization of information 、 Business areas such as risk early warning , Digital upgrading of enabling loan review business , Bring more scenario solutions for the digital transformation of the banking industry ：

1、 Supports multiple file types , Extract all kinds of document information . Through real intelligence, all self-study AI Ability ,supertext Smart text can automatically recognize and extract paper information , And synchronize to the system , Information can be automatically entered 、 External credit inquiry and information integration . Such as table information extraction 、 Identity document information extraction 、 Automatic capture of system information . At the same time, support the guarantee contract 、 Id card 、 The business license 、 Letter of commitment 、 Information filtering of documents required in loan approval such as loan receipt , Get key information more efficiently .

2、 Realize the automation of information audit and verification .supertext Smart text can extract important information from various documents , Assist the approver in judging the authenticity of the loan information 、 Uniformity 、 Compliance, etc , Automatically complete information review and verification . Such as financial report analysis 、 Contract subject name and other compliance audits 、 Verification of image data and system information .

3、 Provide personalization . Loan business involves credit loan 、 A mortgage on a house 、 Vehicle mortgage and other ways , Different loan methods have different audit rules , Therefore, we provide independent setting of audit rules , Banks can set and adjust rules according to actual personalized needs .

3、 ... and 、 Activate digital workforce , Promote the digital transformation of banks

 Besides ,supertext Smart text is also related to reality RPA Get through , built-in 500 Multiple components , The building block construction process is easy to start , adopt AI+RPA Ability , Realize automatic file acquisition 、 Key information extraction 、 Review and automatically enter into the system .

   Now ,supertext Smart text has helped a rural commercial bank get through the complete link of bank loan audit , Realize resource integration 、 Ability precipitation , Achieve business efficiency 、 Risk control capability 、 Improve the customer experience more ：

1、 Early warning risk information .supertext Smart text , Be able to strictly follow the audit requirements , Information extraction and approval of various documents , Help the account manager find out the risks in time , Pinpoint risks , Avoid loan risks caused by risk neglect .

2、 Improve audit efficiency . When the information is complete , The traditional approval process also needs 24 Hours , stay supertext In smart text , Help through the intelligent audit system , The overall process can be reduced to 20 minute , Just click to upload the review materials , Second response , Get audit results quickly .

3、 Get rid of boring and repetitive work . The account manager uses the traditional manual entry method , Enter the information into the system , Boring and time-consuming ,1 Hours of input , adopt supertext Smart text ,AI With ability blessing, you only need 5 minute , It can automatically realize the identification of paper documents and the acquisition of system information , Improvement of input efficiency , Help account managers to devote themselves to higher value work .

 As a platform and professional service provider of automated, intelligent and situational solutions trusted by customers , Always adhere to the customer first 、 The real spirit of mission , Constantly innovate financial technology , take AI Technology as a foundation for strengthening digital transformation services 、 A strong foundation for continuously releasing the value of digital connection , Activate the vitality of bank digital labor , Contribute to the digital transformation of banks .