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Procedia Computer Science 169 (2020) 337–341

Postproceedings of the 10th Annual International Conference on Biologically Inspired Cognitive

Postproceedings of the 10th
Architectures, Annual
BICA 2019International Conference
(Tenth Annual Meetingonof Biologically Inspired Cognitive
the BICA Society)
Architectures, BICA 2019 (Tenth Annual Meeting of the BICA Society)
Research and development of software robots for automating
Research and development of software robots for automating
business processes of a commercial bank
business processes of a commercial bank
Fedor Kanakova,a,*, Igor Prokhorovbb
a
Fedor Kanakov *, Igor Prokhorov
Postgraduate, Department of Financial and Economic security, National Research Nuclear University MEPhI (Moscow Engineering Physics
a Institute),and
Postgraduate, Department of Financial NRNU MEPhI,
Economic Kashirskoye
security, Highway
National 31, Nuclear
Research Moscow,University
115409, Russia
MEPhI (Moscow Engineering Physics
b
Associate Professor, Department of Financial
Institute), NRNUand Economic
MEPhI, security,Highway
Kashirskoye National31,
Research
Moscow,Nuclear University
115409, Russia MEPhI (Moscow Engineering
b PhysicsofInstitute),
Associate Professor, Department FinancialNRNU MEPhI, Kashirskoye
and Economic Highway
security, National 31, Moscow,
Research Nuclear115409, Russia
University MEPhI (Moscow Engineering
Physics Institute), NRNU MEPhI, Kashirskoye Highway 31, Moscow, 115409, Russia

Abstract
Abstract
The article discusses the applicability of the robotization of business processes in the banking sector, justification, development
The article discusses
and practical the applicability
use, the key benefits. of the robotization of business processes in the banking sector, justification, development
and practical use, the key benefits.
© 2019 The Authors. Published by Elsevier B.V.
©
© 2020
2019
This The
The
is an Authors.
accessPublished
Authors.
open Published by
by Elsevier
article under Elsevier B.V.
B.V.
the CC BY-NC-ND license (https://creativecommons.org/licenses/by-nc-nd/4.0/)
This is an open access article under the CC BY-NC-ND license (http://creativecommons.org/licenses/by-nc-nd/4.0/)
This is an open
Peer-review access
under article under
responsibility of the
the CC BY-NC-ND
scientific license
committee (https://creativecommons.org/licenses/by-nc-nd/4.0/)
of the 9th Annual International Conference on Biologically Inspired
Peer-review under responsibility of the scientific committee of the 10th Annual International Conference on Biologically Inspired
Peer-review under responsibility of the scientific committee of the 9th Annual International Conference on Biologically Inspired
Cognitive Architectures.
Cognitive Architectures.
Cognitive Architectures.
Keywords: robotization of business processes; Robotic Process Automation (RPA); software robots; business processes; information security of
financial and
Keywords: economic structures;
robotization of businessRPA solutions
processes; Robotic Process Automation (RPA); software robots; business processes; information security of
financial and economic structures; RPA solutions

1. Overview
1. Overview
Robotic Process Automation (RPA) – is a modern, innovative technology that allows companies to
Robotic
significantly Process
increase Automation
operational (RPA) by
productivity – isreplacing
a modern, innovative
people technology
with software that in
robots, allows
ordercompanies
to free andto
significantly increase operational productivity by replacing people with software robots, in order
redistribute human resources from repetitive, routine tasks to more complex and interesting tasks that bring great to free and
redistribute
added value.human resources from
This technology allowsrepetitive, routine
organizations to tasks
developto more complex software
and configure and interesting tasks
(software that bring
robots) great
to perform
added value. This technology allows organizations to develop and configure software (software robots)
repetitive, uniform operations at the user interface level of automated systems. Robots perform operations specified to perform
repetitive, uniform
by the developer operations at
in accordance theauser
with clearinterface level
algorithm. of receive
They automateddata,systems. Robotsitperform
sort it, process operations
and carry specified
out certain actions
by thethem,
with developer in accordance
without with
changing the ITastructure
clear algorithm. They receive
of the company. Thisdata, sort it, is
approach process it andrelevant
especially carry outfor
certain actions
the banking
with them, without changing the IT structure of the company. This approach
sector, it allows you to implement this technology much faster than other solutions. is especially relevant for the banking
sector, it allows you to implement this technology much faster than other solutions.
1877-0509 © 2019 The Authors. Published by Elsevier B.V.
This is an open
1877-0509 access
© 2019 The article
Authors.under the CC by
Published BY-NC-ND license (https://creativecommons.org/licenses/by-nc-nd/4.0/)
Elsevier B.V.
Peer-review under
This is an open responsibility
access of the
article under thescientific committee
CC BY-NC-ND of the(https://creativecommons.org/licenses/by-nc-nd/4.0/)
license 9th Annual International Conference on Biologically Inspired Cognitive
Architectures.
Peer-review under responsibility of the scientific committee of the 9th Annual International Conference on Biologically Inspired Cognitive
Architectures.

1877-0509 © 2020 The Authors. Published by Elsevier B.V.

This is an open access article under the CC BY-NC-ND license (http://creativecommons.org/licenses/by-nc-nd/4.0/)
Peer-review under responsibility of the scientific committee of the 10th Annual International Conference on Biologically Inspired
Cognitive Architectures.
10.1016/j.procs.2020.02.196
338 Fedor Kanakov et al. / Procedia Computer Science 169 (2020) 337–341
2 Kanakov F., Prokhorov I./ Procedia Computer Science 00 (2019) 000–000

Robots completely imitate the user's work at computer, therefore they are ideally suited for solving monotonous tasks.
They interact with other systems in the way people do, only much more efficiently: they work around the clock, make
no mistakes and cost much less than employees.

Key benefits of RPA:

• software robots perform tasks faster than humans, without making mistakes
• software robots are available to perform tasks around the clock
• software robots allow the organization to free and redistribute human resources, reducing from 50 to 70% of
operating costs and having a positive impact on P&L (quick payback)
• software robots interact with existing systems and applications through the user interface, and do not require
changes in IT infrastructure in the company
• software robots record every action and allow flexible control of operational productivity

2. What tasks can be delegated to robots?

It is necessary to approach the search for tasks seriously, otherwise there is a risk to spend a lot of time and effort, and
the result will never appear on the horizon.

First, you need to comprehensively assess the feasibility of implementation. The assessment should include four
parameters:

• FTE – number of full time employees, involved in a process

• ST – support team of RPA process

• CF – complexity factor of process

• VF – volatility factor

By measuring each indicator, you can place any process on the coordinate system, where there will be complexity
along the ordinate axis, and the number of employees involved in the process (FTE) along the abscissa axis. The
coordinate system with the processes marked on it can be divided into four quadrants of rating criteria (Fig. 1):

• R1 – certainly advisable

• R2 – rather appropriate

• R3 – rather impractical

• R4 – impractical
 Fedor Kanakov et al. / Procedia Computer Science 169 (2020) 337–341 339
Kanakov F., Prokhorov I./ Procedia Computer Science 00 (2019) 000–000 3

Fig 1. Quadrants of rating criteria

Based on the experience of implementing RPA in the bank, all this gives from 40 to 80% reduction in direct costs for
processing business processes [1]. In addition, the technology is easily scalable, if you need to accelerate the execution
of a business process, you simply connect another robot, instead of organizing the search for a new employee, his
training, and equipment of the workplace.

In practice, there are two of the most common approaches to software robotics:

• Placing the robot on the employee’s computer. In this case, the robot does not replace the employee by 100%,
but only performs some of the same, small tasks, acting as a digital assistant. Most often, at the same time, tasks
that arise from time to time and do not require the allocation of an employee for them for a full time are robotic.
As a solution, you can consider installing a robot module on an employee’s computer, in addition to already
installed systems. When a task for the robot appears, the user simply launches the program and it automatically
fulfills the task. You must understand that at this time, the employee can not perform tasks on the computer, he
is busy with the robot. But at this time, the employee can make a phone call to the client, solve work issues with
colleagues or go for lunch.
• Dedicated virtual workstation for the robot. In this scenario, a virtual environment is created in which only
robots work. In this environment, there may be hundreds of different robots that simultaneously perform their
tasks around the clock. This scheme is applicable for the massive use of software robots for a large number of
tasks.

Robotization lends itself equally well to all sectors of the economy. But some organizations are particularly prone to
software robotics, because they use a large number of man-hours for similar tasks that can be assigned to software
robots. First of all, this:
340 Fedor Kanakov et al. / Procedia Computer Science 169 (2020) 337–341
4 Kanakov F., Prokhorov I./ Procedia Computer Science 00 (2019) 000–000

• banks and financial organizations

• insurance companies
• medicine companies

Classic examples of banking business processes recommended for automation using Robotic Process Automation:

• opening a bank account

• updating customer information
• financial monitoring
• data cleaning and reconciliation [2]
• consolidation of financial statements
• process of making a burden on the registry
• processing of incoming / outgoing payments
• loan administration

3. How to implement a robot?

The implementation approach should be divided into 3 main stages (Image 2):

Fig 2. Implementation stages

The first stage is detailing and pilot implementation.

At this stage, the most important thing is to correctly determine the process, because much depends on the success of
the RPA implementation on it. At the first stage, a classic series of actions takes place:

• Analysis of the process “AS IS” and “TO BE”

• Definition of target architecture

• Conceptual design, verification of the feasibility of the robot

• Development, testing and debugging

• Demonstration

After the pilot is implemented, the head of the RPA direction decides on scalability, and the RPA team proceeds to
the next stage.

The second stage is the assessment of the impact on the operating model:
 Fedor Kanakov et al. / Procedia Computer Science 169 (2020) 337–341 341
Kanakov F., Prokhorov I./ Procedia Computer Science 00 (2019) 000–000 5

• Description of the “as is” and “as will be” process

• Calculation of the economic effect

• Analysis of current and target indicators

• Software purchase

• Preparation for test / industrial operation

As a result of the stage, you will have a plan for the robotization of the process, as a result of which the fixed
indicators for budget / speed / quality growth will be achieved, the ground prepared for direct development.

The third stage is the implementation and / or scaling:

• Development of an algorithm according to the method of flexible techniques

• Robot setup

• Its integration into the management system

• Implementation and industrial operation

• Robot tuning according to test results

• Evaluation of the effectiveness of his work

4. Conclusions

This stage, in case of successful implementation and well-coordinated work of both teams, brings business users
the desired result and increased operational efficiency indicators.
As practice shows, the question is not whether the innovation will appear, the only question is how quickly it will take
its place. Previously in production, industrial robots have already supplanted people from certain processes. Now we
are witnessing a similar stage in business processes, and this movement is irreversible. In the future, most likely,
humanity will create labor codes and norms governing the use of robots, rather than prohibiting them.

References

[1] Внедрение RPA в крупнейших российских банках набирает обороты: // URL:

https://nfp2b.ru/2018/08/17/rpa_for_banks/ 2018

[2] Реконсиляция — проверка целостности данных в распределенных системах: // URL:

https://habr.com/post/428443 // 2018