چکیده مقاله
Banking back offices worldwide are currently facing an unprecedented convergence of challenges, characterized by significant operational friction stemming from complex legacy infrastructure, high volumes of manual transactional processing, and severe regulatory compliance demands, all of which inhibit speed to market and elevate the cost to serve This context necessitates a radical paradigm shift toward Hyper Automation HA the end to end automation of processes leveraging a unified orchestration of technologies This study undertakes a comprehensive analysis of the strategic integration of Artificial Intelligence AI , specifically Machine Learning ML and Natural Language Processing NLP , with Robotic Process Automation RPA frameworks to achieve transformative outcomes in banking back office environments The core objective is to move beyond siloed task automation toward an intelligent, scalable, and resilient operational ecosystem We investigate how the synergy between RPA’s structured, reliable execution capabilities and AI’s cognitive abilities such as dynamic decision making, exception handling, and unstructured data interpretation enables banks to unlock new dimensions of efficiency, accuracy, and operational agility previously unattainable through conventional, rules based automation methods This research focuses on defining the architectural prerequisites, governance structures, and key performance indicators necessary for maximizing the impact of this integrated automation model across critical back office functions To rigorously evaluate this integration, a stringent mixed methods approach was adopted, combining a systematic literature review with exploratory case studies of tier one global financial institutions successfully deploying HA platforms The methodology utilizes a socio technical framework centered on process mining to accurately map the complex interdependencies between human workflows, legacy systems, and intelligent bots, thereby quantifying the return on automation investment ROAI across functions like loan origination, Know Your Customer KYC documentation, and payments reconciliation Preliminary findings indicate that the unified AI RPA model, termed 'Cognitive RPA,' yields substantial operational improvements: processing cycle times were reduced by an average of 65%, operational expenditure declined by an estimated 30%, and compliance audit readiness improved demonstrably due to immutable digital trails and enhanced risk monitoring capabilities Crucially, the analysis reveals that effective HA implementation requires not merely technological deployment but a fundamental shift in organizational design and strategic governance to effectively manage the complexity of intelligent workflows and mitigate emerging algorithmic risks This research contributes significantly to the academic discourse on digital finance transformation by providing a robust analytical model for assessing the true transformative potential of integrated automation architectures, offering empirical validation for the scalable benefits of Hyper Automation, and presenting prescriptive guidelines for banking leaders and technology strategists seeking sustained competitive advantage in the digital era
کلیدواژهها
نویسندگان
Masoud Karimkhani
Department of Computer Science, Central Tehran Branch , Islamic Azad University, Tehran, Iran
Roohollah Arabzadeh Ghahyazi
Department of Management, South Tehran Branch, Islamic Azad University, Tehran, Iran
Mohammad Reza Radfar
Department of Financial Management and accounting, ST, C Islamic Azad University, Tehran, Iran
Hossein Abyar
Department of Financial Management and accounting, Central Tehran Branch , Islamic Azad University, Tehran, Iran
Suresh Aluvihara
Department of Chemical and Process Engineering, University of Peradeniya, Peradeniya, Sri Lanka
Noor Jameel Kashkool Alqasi
Division of Strategy Studies, Ministry of Water Resources, Baghdad, Iraq
شیوه ارجاع
Karimkhani, Masoud and Arabzadeh ghahyazi, Roohollah and Radfar, Mohammad Reza and Abyar, Hossein and Aluvihara, Suresh and Alqasi, Noor Jameel Kashkool,1404,A Comprehensive Analysis of Artificial Intelligence (AI) and Robotic Process Automation (RPA) Integration for Back-Office Transformation on Hyper-Automation in Banking,Second National Conference on A World without Oil,Tehran
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