Research on the Development Trends of AI-RPA Applications in the Banking Sector—A Case Study of Industrial and Commercial Bank of China

Abstract

In the digital transformation of the banking industry, AI-RPA serves as a core tool for automation and intelligence, progressing from simple process automation to complex decision-making integration. This paper employs a case study approach, taking Industrial and Commercial Bank of China (ICBC) as an example. By analyzing the deployment pathways and practical outcomes of AI-RPA within ICBC, and combining insights into the underlying logic and developmental trends of AI and RPA, we extrapolate the technological evolution patterns of AI-RPA in banking and forecast future development trajectories. The study identifies four key trends: first, the technological convergence of generative AI and RPA; second, the shift from operational to strategic decision-making scenarios; third, the formation of a platform-based ecosystem for collaborative integration; and fourth, enhanced predictive capabilities and multi-layered risk control measures. Additionally, the paper predicts potential risks associated with future technological advancements and proposes corresponding mitigation strategies. The findings aim to inform and support the formulation of digital strategies within banking institutions.