{"id":131352,"date":"2025-11-17T16:56:35","date_gmt":"2025-11-17T15:56:35","guid":{"rendered":"https:\/\/cibtestawsls.cib.de\/?p=131352"},"modified":"2025-11-18T12:53:49","modified_gmt":"2025-11-18T11:53:49","slug":"concessao-de-creditos-automatizada-com-ki","status":"publish","type":"post","link":"https:\/\/cibtestawsls.cib.de\/pt\/concessao-de-creditos-automatizada-com-ki\/","title":{"rendered":"Verifica\u00e7\u00e3o salarial com IA: concess\u00e3o de cr\u00e9dito mais r\u00e1pida atrav\u00e9s da automa\u00e7\u00e3o"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"131352\" class=\"elementor elementor-131352\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e941085 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e941085\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a1b50a4\" data-id=\"a1b50a4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-88f648a elementor-widget elementor-widget-heading\" data-id=\"88f648a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00c9 assim que os bancos tornam os seus processos mais eficientes gra\u00e7as \u00e0 IA e a um Workflow moderno! <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-718531f elementor-widget elementor-widget-text-editor\" data-id=\"718531f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>No mundo financeiro atual, os clientes esperam processos r\u00e1pidos e fluidos, especialmente no que diz respeito \u00e0 concess\u00e3o de cr\u00e9ditos. No entanto, o que os consumidores consideram natural representa um desafio consider\u00e1vel para os bancos e institui\u00e7\u00f5es financeiras, uma vez que \u00e9 necess\u00e1ria a verifica\u00e7\u00e3o precisa de uma grande variedade de documentos (recibos de vencimento, documentos de identidade, contratos, etc.).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03ec0d2 elementor-widget elementor-widget-heading\" data-id=\"03ec0d2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">O desafio <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0901732 elementor-widget elementor-widget-text-editor\" data-id=\"0901732\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Quando um cr\u00e9dito \u00e9 solicitado, os bancos recebem uma grande quantidade de documentos, entre os quais geralmente se encontram recibos de vencimento. Esses documentos podem apresentar diferen\u00e7as em termos de formato, qualidade e estrutura: h\u00e1 digitaliza\u00e7\u00f5es, fotos e formatos dif\u00edceis de ler. A verifica\u00e7\u00e3o manual n\u00e3o s\u00f3 \u00e9 muito lenta, como tamb\u00e9m propensa a erros. Isso traduz-se em tempos de processamento mais longos e menor satisfa\u00e7\u00e3o do cliente.<\/p><p>Perante esta situa\u00e7\u00e3o, o nosso cliente procurava uma solu\u00e7\u00e3o que lhe permitisse verificar de forma r\u00e1pida e automatizada, em particular, as informa\u00e7\u00f5es que constavam nos recibos de vencimento.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29cd14e elementor-widget elementor-widget-heading\" data-id=\"29cd14e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A solu\u00e7\u00e3o: m\u00f3dulos IA CIB e gest\u00e3o de encomendas escal\u00e1vel <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-793dc2d elementor-widget elementor-widget-text-editor\" data-id=\"793dc2d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Para este caso de aplica\u00e7\u00e3o, a CIB forneceu uma solu\u00e7\u00e3o integrada que combina v\u00e1rios componentes:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-aaf0383 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"aaf0383\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b77a474\" data-id=\"b77a474\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-775f1ce elementor-widget elementor-widget-text-editor\" data-id=\"775f1ce\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li class=\"translation-block\">O m\u00f3dulo de IA <a href=\"\/pt\/deeper\/\" target=\"_self\"><strong><span style=\"text-decoration: underline\">CIB deepER<\/span><\/strong><\/a> extrai automaticamente dados salariais relevantes, mesmo com m\u00e1 qualidade de digitaliza\u00e7\u00e3o, utilizando tecnologia OCR, palavras-chave e m\u00e9todos de transforma\u00e7\u00e3o.<\/li><li class=\"translation-block\">Com o <a href=\"\/pt\/recognice\/\" target=\"_self\"><strong><span style=\"text-decoration: underline\">CIB recogNice<\/span><\/strong><\/a>, os documentos s\u00e3o classificados automaticamente \u2013 com uma taxa de reconhecimento impressionante de 99%.<\/li><li class=\"translation-block\"><a href=\"\/pt\/sherlock\/\" target=\"_self\"><strong><span style=\"text-decoration: underline\">CIB sherlock<\/span><\/strong><\/a> cobre o chamado dark processing (processamento autom\u00e1tico sem interven\u00e7\u00e3o manual) com uma quota de cerca de 80%.<\/li><li class=\"translation-block\">Atrav\u00e9s da plataforma de Workflow-BPMN <a href=\"\/pt\/flow\/\" target=\"_self\"><strong><span style=\"text-decoration: underline\">CIB flow<\/span><\/strong><\/a>, esses resultados de IA s\u00e3o integrados de forma cont\u00ednua em processos automatizados.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f42fd09\" data-id=\"f42fd09\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-69a83d6 elementor-align-center elementor-widget elementor-widget-lottie\" data-id=\"69a83d6\" data-element_type=\"widget\" data-settings=\"{&quot;source_json&quot;:{&quot;url&quot;:&quot;https:\\\/\\\/cibtestawsls.cib.de\\\/wp-content\\\/uploads\\\/2023\\\/12\\\/Lottie-deeper_n_v9.json&quot;,&quot;id&quot;:107974,&quot;size&quot;:&quot;&quot;,&quot;alt&quot;:&quot;&quot;,&quot;source&quot;:&quot;library&quot;},&quot;loop&quot;:&quot;yes&quot;,&quot;source&quot;:&quot;media_file&quot;,&quot;caption_source&quot;:&quot;none&quot;,&quot;link_to&quot;:&quot;none&quot;,&quot;trigger&quot;:&quot;arriving_to_viewport&quot;,&quot;viewport&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:0,&quot;end&quot;:100}},&quot;play_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]},&quot;start_point&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;end_point&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:100,&quot;sizes&quot;:[]},&quot;renderer&quot;:&quot;svg&quot;}\" data-widget_type=\"lottie.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"e-lottie__container\"><div class=\"e-lottie__animation\"><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-44bc6ae elementor-widget elementor-widget-heading\" data-id=\"44bc6ae\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Resumo dos resultados<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8516470 elementor-widget elementor-widget-text-editor\" data-id=\"8516470\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Gra\u00e7as a esta solu\u00e7\u00e3o de IA e automa\u00e7\u00e3o, o banco j\u00e1 conseguiu alcan\u00e7ar os seguintes resultados:<\/p><ul><li>Uma classifica\u00e7\u00e3o de documentos com uma taxa de acerto muito elevada (~99%).<\/li><li>Uma taxa de dark processing de cerca de 80% \u2013 isto significa que 80% dos processos s\u00e3o automatizados, sem interven\u00e7\u00e3o manual!<\/li><\/ul><p>Isso resulta numa enorme economia de tempo e aumento da efici\u00eancia no processo de verifica\u00e7\u00e3o de recibos de sal\u00e1rio. Ao mesmo tempo, a satisfa\u00e7\u00e3o do cliente aumenta significativamente, enquanto os custos operacionais diminuem.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-686e2aa elementor-section-full_width elementor-section-content-middle elementor-section-height-default elementor-section-height-default\" data-id=\"686e2aa\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-2607cec\" data-id=\"2607cec\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dba91f2 elementor-widget elementor-widget-text-editor\" data-id=\"dba91f2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span lang=\"DE-DE\" xml:lang=\"DE-DE\"><span style=\"color: #5390cd; font-size: 36pt; font-weight: bold;\">99%<\/span><\/span><span style=\"font-size: 18pt;\">\u00a0 taxa de acerto da IA\u00a0 <\/span>\u00a0\u00a0\u00a0\u00a0<span style=\"color: #5390cd; font-size: 36pt; font-weight: bold;\">80%<\/span><span style=\"font-size: 18pt;\">\u00a0 em dark processing<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e17294 elementor-widget elementor-widget-heading\" data-id=\"7e17294\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Por que funciona t\u00e3o bem?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9486656 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"9486656\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-file-alt\" viewbox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288 248v28c0 6.6-5.4 12-12 12H108c-6.6 0-12-5.4-12-12v-28c0-6.6 5.4-12 12-12h168c6.6 0 12 5.4 12 12zm-12 72H108c-6.6 0-12 5.4-12 12v28c0 6.6 5.4 12 12 12h168c6.6 0 12-5.4 12-12v-28c0-6.6-5.4-12-12-12zm108-188.1V464c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V48C0 21.5 21.5 0 48 0h204.1C264.8 0 277 5.1 286 14.1L369.9 98c9 8.9 14.1 21.2 14.1 33.9zm-128-80V128h76.1L256 51.9zM336 464V176H232c-13.3 0-24-10.7-24-24V48H48v416h288z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tDocumentos heterog\u00e9neos\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tA solu\u00e7\u00e3o leva em considera\u00e7\u00e3o digitaliza\u00e7\u00f5es, fotos e baixa legibilidade, gra\u00e7as a modelos robustos de OCR e IA.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43bd695 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"43bd695\" data-element_type=\"widget\" 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11.9-2.8 15.7-9.5 7.9-20.4 14.2-32.1 18.6-5.7 2.1-12.1-.1-15.1-5.4l-8.2-14.3c-10.4 1.9-21.2 1.9-31.7 0zm-10.5-58.8c38.5 29.6 82.4-14.3 52.8-52.8-38.5-29.7-82.4 14.3-52.8 52.8zM386.3 286.1l33.7 16.8c10.1 5.8 14.5 18.1 10.5 29.1-8.9 24.2-26.4 46.4-42.6 65.8-7.4 8.9-20.2 11.1-30.3 5.3l-29.1-16.8c-16 13.7-34.6 24.6-54.9 31.7v33.6c0 11.6-8.3 21.6-19.7 23.6-24.6 4.2-50.4 4.4-75.9 0-11.5-2-20-11.9-20-23.6V418c-20.3-7.2-38.9-18-54.9-31.7L74 403c-10 5.8-22.9 3.6-30.3-5.3-16.2-19.4-33.3-41.6-42.2-65.7-4-10.9.4-23.2 10.5-29.1l33.3-16.8c-3.9-20.9-3.9-42.4 0-63.4L12 205.8c-10.1-5.8-14.6-18.1-10.5-29 8.9-24.2 26-46.4 42.2-65.8 7.4-8.9 20.2-11.1 30.3-5.3l29.1 16.8c16-13.7 34.6-24.6 54.9-31.7V57.1c0-11.5 8.2-21.5 19.6-23.5 24.6-4.2 50.5-4.4 76-.1 11.5 2 20 11.9 20 23.6v33.6c20.3 7.2 38.9 18 54.9 31.7l29.1-16.8c10-5.8 22.9-3.6 30.3 5.3 16.2 19.4 33.2 41.6 42.1 65.8 4 10.9.1 23.2-10 29.1l-33.7 16.8c3.9 21 3.9 42.5 0 63.5zm-117.6 21.1c59.2-77-28.7-164.9-105.7-105.7-59.2 77 28.7 164.9 105.7 105.7zm243.4 182.7l-8.2 14.3c-3 5.3-9.4 7.5-15.1 5.4-11.8-4.4-22.6-10.7-32.1-18.6-4.6-3.8-5.8-10.5-2.8-15.7l8.2-14.3c-6.9-8-12.3-17.3-15.9-27.4h-16.5c-6 0-11.2-4.3-12.2-10.3-2-12-2.1-24.6 0-37.1 1-6 6.2-10.4 12.2-10.4h16.5c3.6-10.1 9-19.4 15.9-27.4l-8.2-14.3c-3-5.2-1.9-11.9 2.8-15.7 9.5-7.9 20.4-14.2 32.1-18.6 5.7-2.1 12.1.1 15.1 5.4l8.2 14.3c10.5-1.9 21.2-1.9 31.7 0l8.2-14.3c3-5.3 9.4-7.5 15.1-5.4 11.8 4.4 22.6 10.7 32.1 18.6 4.6 3.8 5.8 10.5 2.8 15.7l-8.2 14.3c6.9 8 12.3 17.3 15.9 27.4h16.5c6 0 11.2 4.3 12.2 10.3 2 12 2.1 24.6 0 37.1-1 6-6.2 10.4-12.2 10.4h-16.5c-3.6 10.1-9 19.4-15.9 27.4l8.2 14.3c3 5.2 1.9 11.9-2.8 15.7-9.5 7.9-20.4 14.2-32.1 18.6-5.7 2.1-12.1-.1-15.1-5.4l-8.2-14.3c-10.4 1.9-21.2 1.9-31.7 0zM501.6 431c38.5 29.6 82.4-14.3 52.8-52.8-38.5-29.6-82.4 14.3-52.8 52.8z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tAutoma\u00e7\u00e3o em vez de verifica\u00e7\u00e3o manual: \t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tA classifica\u00e7\u00e3o e a extra\u00e7\u00e3o eliminam muitas etapas manuais.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c912dc0 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"c912dc0\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-project-diagram\" viewbox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M384 320H256c-17.67 0-32 14.33-32 32v128c0 17.67 14.33 32 32 32h128c17.67 0 32-14.33 32-32V352c0-17.67-14.33-32-32-32zM192 32c0-17.67-14.33-32-32-32H32C14.33 0 0 14.33 0 32v128c0 17.67 14.33 32 32 32h95.72l73.16 128.04C211.98 300.98 232.4 288 256 288h.28L192 175.51V128h224V64H192V32zM608 0H480c-17.67 0-32 14.33-32 32v128c0 17.67 14.33 32 32 32h128c17.67 0 32-14.33 32-32V32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tFluxo de trabalho transparente\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tA integra\u00e7\u00e3o em processos BPMN permite monitorizar, controlar e otimizar processos.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0e25c0 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"a0e25c0\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-ruler-combined\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M160 288h-56c-4.42 0-8-3.58-8-8v-16c0-4.42 3.58-8 8-8h56v-64h-56c-4.42 0-8-3.58-8-8v-16c0-4.42 3.58-8 8-8h56V96h-56c-4.42 0-8-3.58-8-8V72c0-4.42 3.58-8 8-8h56V32c0-17.67-14.33-32-32-32H32C14.33 0 0 14.33 0 32v448c0 2.77.91 5.24 1.57 7.8L160 329.38V288zm320 64h-32v56c0 4.42-3.58 8-8 8h-16c-4.42 0-8-3.58-8-8v-56h-64v56c0 4.42-3.58 8-8 8h-16c-4.42 0-8-3.58-8-8v-56h-64v56c0 4.42-3.58 8-8 8h-16c-4.42 0-8-3.58-8-8v-56h-41.37L24.2 510.43c2.56.66 5.04 1.57 7.8 1.57h448c17.67 0 32-14.33 32-32v-96c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tEscalabilidade\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tA plataforma aumenta automaticamente as capacidades de processamento \u2013 ideal para um grande n\u00famero de casos.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e1b0bda elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e1b0bda\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c14831b\" data-id=\"c14831b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b20c29e elementor-widget elementor-widget-image\" data-id=\"b20c29e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"820\" src=\"https:\/\/cibtestawsls.cib.de\/wp-content\/uploads\/2025\/08\/Google-KI-282-1024x820.png\" class=\"attachment-large size-large wp-image-129131\" alt=\"\" srcset=\"https:\/\/cibtestawsls.cib.de\/wp-content\/uploads\/2025\/08\/Google-KI-282-1024x820.png 1024w, https:\/\/cibtestawsls.cib.de\/wp-content\/uploads\/2025\/08\/Google-KI-282-375x300.png 375w, https:\/\/cibtestawsls.cib.de\/wp-content\/uploads\/2025\/08\/Google-KI-282-768x615.png 768w, https:\/\/cibtestawsls.cib.de\/wp-content\/uploads\/2025\/08\/Google-KI-282-15x12.png 15w, https:\/\/cibtestawsls.cib.de\/wp-content\/uploads\/2025\/08\/Google-KI-282.png 1042w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-9b0bda9\" data-id=\"9b0bda9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dde5d93 elementor-widget elementor-widget-text-editor\" data-id=\"dde5d93\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00abAtualmente, calcula-se que sejam processadas 11,5 milh\u00f5es de p\u00e1ginas por ano. O banco planeia reduzir os tempos de processamento atrav\u00e9s deste processo. A taxa de liquida\u00e7\u00e3o dever\u00e1 assim aumentar pelo menos 10% ao ano.\u00bb<\/p><p><strong><span style=\"font-size: 14pt;\">Sascha Proske, consultor CIB e respons\u00e1vel pelo projeto<\/span><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca244e9 elementor-widget elementor-widget-heading\" data-id=\"ca244e9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Implica\u00e7\u00f5es para bancos e institui\u00e7\u00f5es financeiras<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5c10b39 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5c10b39\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2de6b48\" data-id=\"2de6b48\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b643db8 elementor-widget elementor-widget-text-editor\" data-id=\"b643db8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Os processos n\u00e3o precisam apenas ser digitalizados, mas tamb\u00e9m automatizados de forma inteligente. O foco est\u00e1 a mudar de \u00abdigitalizar\u00bb para \u00abautomatizar e otimizar\u00bb.<\/li><li>Os m\u00f3dulos de IA n\u00e3o s\u00f3 permitem efici\u00eancia, mas tamb\u00e9m uma maior qualidade (menos erros, melhores dados).<\/li><li>Hoje em dia, os clientes esperam rapidez e clareza. Os atrasos t\u00eam um impacto negativo.<\/li><li>A transpar\u00eancia e o controlo dos processos s\u00e3o fundamentais para alcan\u00e7ar elevadas taxas de automatiza\u00e7\u00e3o.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c3b660b\" data-id=\"c3b660b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c1bc855 elementor-widget elementor-widget-image\" data-id=\"c1bc855\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"720\" height=\"480\" src=\"https:\/\/cibtestawsls.cib.de\/wp-content\/uploads\/2024\/05\/HG_CIB-flow_landing.png\" class=\"attachment-large size-large wp-image-115408\" alt=\"\" srcset=\"https:\/\/cibtestawsls.cib.de\/wp-content\/uploads\/2024\/05\/HG_CIB-flow_landing.png 720w, https:\/\/cibtestawsls.cib.de\/wp-content\/uploads\/2024\/05\/HG_CIB-flow_landing-450x300.png 450w, https:\/\/cibtestawsls.cib.de\/wp-content\/uploads\/2024\/05\/HG_CIB-flow_landing-18x12.png 18w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e4a5f0 elementor-widget elementor-widget-heading\" data-id=\"0e4a5f0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclus\u00e3o<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ad86a9 elementor-widget elementor-widget-text-editor\" data-id=\"7ad86a9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>O case study mostra exemplarmente como os bancos podem tornar os seus processos de an\u00e1lise de cr\u00e9dito mais eficientes atrav\u00e9s do uso direcionado de IA e automa\u00e7\u00e3o, especialmente na verifica\u00e7\u00e3o de comprovativos de rendimentos. A combina\u00e7\u00e3o de classifica\u00e7\u00e3o de documentos, extra\u00e7\u00e3o de dados e integra\u00e7\u00e3o de workflows permite um trabalho mais r\u00e1pido, com menos erros e escal\u00e1vel. Para as institui\u00e7\u00f5es financeiras, isso resulta numa clara vantagem competitiva.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8fc479 elementor-widget elementor-widget-heading\" data-id=\"e8fc479\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fale connosco!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1e9fc1 elementor-widget elementor-widget-text-editor\" data-id=\"e1e9fc1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"translation-block\">Se est\u00e1 a pensar em como otimizar os seus processos de auditoria, esta solu\u00e7\u00e3o \u00e9 um ponto de partida concreto: <b>A digitaliza\u00e7\u00e3o por si s\u00f3 n\u00e3o \u00e9 suficiente \u2013 a automa\u00e7\u00e3o e a IA fazem a diferen\u00e7a.<\/b> Oferecemos aconselhamento personalizado!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a158eb elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"3a158eb\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-xl\" href=\"\/pt\/case-study\/folhas-pagamento-verificacao-credito-eficiente-com-ki\/\" target=\"_blank\" id=\"kontakt-middle-deeper\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Visite o Case Study  <\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-317d404 elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"317d404\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-xl\" href=\"\/pt\/contact\/\" target=\"_blank\" id=\"kontakt-middle-deeper\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contacto<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>As institui\u00e7\u00f5es financeiras  projetam os seus processos de forma mais eficiente gra\u00e7as \u00e0 IA e a fluxos de trabalho r\u00e1pidos e automatizados.<\/p>","protected":false},"author":246,"featured_media":128726,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2280,922],"tags":[2393,2432,1290,1695,2301,2392],"class_list":["post-131352","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-lp","category-ki-innovation","tag-cib-sherlock","tag-case-study","tag-cib-deeper","tag-cib-flow","tag-cib-ki","tag-cib-recognice"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>KI-basierte Gehalts\u00fcberpr\u00fcfung: automatisierte Kreditvergabe<\/title>\n<meta name=\"description\" content=\"Banken gestalten dank KI und modernem Workflow ihre Gesch\u00e4ftsprozesse effizienter! 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