RPA in Commercial Banks: Optimization Mechanisms and Tool Selection

Against the backdrop of the transformation of the banking business model propelled by the rapid development of fintech, this study delves into the optimization effect of Robotic Process Automation (RPA) on the commercial bank ecosystem and the prudent selection of tools. By leveraging case analysis, secondary data calculation, and in-depth expert interviews, a comprehensive case study of China Merchants Bank is meticulously conducted. The findings vividly demonstrate that RPA significantly optimizes the ecosystem of China Merchants Bank. It not only enhances business efficiency and reduces operational costs but also fortifies risk management and enriches customer experience. The Conch RPA platform showcases unique advantages, with its implementation strategies and safeguard measures proving highly effective. Looking ahead, RPA holds vast research potential in areas such as integration with artificial intelligence, exploration of novel scenarios, sustainability and risk management, and strategic collaboration. This research serves as a valuable reference for the digital upgrading endeavors of financial institutions.