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Agentic automation & RPA in finance:
use cases, benefits & adoption challenges
February 3, 2026
Financial RPA is the use of software solutions to automate manual, repetitive tasks, such as financial data entry or payment data processing. Enhancing RPA bots with agentic automation solutions, companies can streamline even more sophisticated workflows like client onboarding and fraud detection.
With proven experience in implementing agentic and robotic process automation solutions, Itransition helps financial teams streamline data and document management, minimize human errors, and ensure the organization’s compliance with strict financial and tax regulations.
Robotic & agentic process automation in finance: market stats
Scheme title: AI adoption and impact in the banking industry
Data source: McKinsey &
Company
$12.5 bn
the expected global RPA in finance market size by 2033
36.52%
revenue share of the BFSI sector in the global RPA market
44%
of financial service providers leverage AI-powered process automation
82%
of banks combine AI and RPA to streamline workflows
Agentic automation & RPA use cases in finance
1
P&L reporting
P&L reporting, which involves data collection from accounting systems and financial records, account reconciliation, and transaction classification, is susceptible to inaccuracies and errors when done manually. Solutions with agentic automation and RPA capabilities can help finance teams streamline the creation of P&L reports by collecting data on sales, cost of products sold, operating expenses, interest rates, and taxes from the general ledger, cross-checking it for completeness and accuracy, identifying discrepancies, and classifying all the transactions. They can also be configured to enter this data into templates and generate P&L reports, as well as distribute the reports among stakeholders on a scheduled basis.
2
Investment & asset management
Wealth management companies and other financial institutions can use software robots and agents powered by artificial intelligence to streamline a wide range of investment management activities. For instance, such process automation solutions can extract data from broker emails or handwritten or non-standard documents in the form of PDFs and images when equipped with optical character recognition capabilities, structuring the retrieved information and sending it to the investment management system to update client portfolios or create investment reports.
Additionally, agentic and robotic process automation solutions can aggregate market and portfolio performance data from disparate external and internal sources and upload it to financial BI and predictive analytics solutions to help investment teams measure asset profitability and return on investment, assess the effectiveness of clients’ investment strategies, and detect emerging investment risks. They can also be set up to distribute portfolio performance data and reports via emails to promptly inform clients and investors about any updates.
3
Reconciliation
Bank reconciliation involves matching cash balances and transactions in the company’s books with cash balances and transactions from bank statements. When done manually, reconciling a bank account is prone to human errors, which reduces process efficiency and leads to costly mistakes.
Integrated with accounting software, robotic or AI process automation solutions can merge and standardize data from different accounts and bank statements and cross-check them against internal ledger entries based on criteria such as date, amount, reference number, and account code. Then, they can search for any inconsistencies and variances between payment details and bank records, apply established rules to handle well-known exceptions, or route exceptions and requests for record validation to human specialists. Upon verifying final balances match and obtaining the required approvals from supervisors, bots can compile financial statements, update reconciliation logs, and fill out supporting documentation for audit and compliance purposes.
4
Accounts payable management
Agentic and robotic automation can prove highly useful in helping organizations keep track of their financial obligations and ensure all debts are paid off on time. Financial service providers can use these solutions to extract data from invoices of different formats, categorize the invoices, and perform their two-way and three-way matching. Bots and agents can also normalize invoice data and route it to the financial software or approvers, as well as schedule payments and track invoice processing statuses.
5
Accounts receivable management
The accounts receivable process involves a lot of manual activities to make sure that money owed for goods or services provided is collected in time. Companies can use RPA software and agentic automation solutions to generate and distribute invoices, match them to purchase orders, track and process customer payments, send follow-ups and payment reminders to clients, as well as create routine AR reports, reducing the time required to collect payments and increasing financial data accuracy. Apart from invoice generation and payment matching, AI-powered agents can also identify customers who are at risk of non-payment based on invoice aging data, as well as consolidate invoice data and send it to financial analytics solutions for further examination of a company’s cash flow.
6
Tax reporting
Tax reporting requires the highest level of precision to ensure smooth audits and helps businesses avoid legal penalties and fines. Process automation bots and agents can be used to streamline most of the routine tax accounting and financial reporting activities.
For instance, they can automate data collection from tax and finance systems, interpret, classify, and route tax notices from various jurisdictions, classify transactions for taxation, and compare and reformat trial balances to facilitate tax reporting, reducing manual work and helping companies maintain legal compliance and financial stability. In addition, these solutions can be useful for processing tax regulation changes, alerting relevant stakeholders about the legal updates and whether they can impact the company’s tax position, and scheduling tax planning meetings with stakeholders.
7
Compliance reporting
To limit the risks of fines and reputational damage caused by regulatory non-compliance, banks and investment companies can employ RPA bots and agentic automation solutions for various compliance-related tasks. One of them is monitoring regulatory changes from pre-established sources and alerting stakeholders to have the company promptly introduce required changes in their workflows. These solutions can also consolidate financial transactions and customer information from different systems or documents and compile compliance reports for stakeholders, such as the company’s board of directors or a government agency.
Agentic and RPA automation solutions can also assist employees with know-your-customer (KYC) and anti-money laundering (AML) checks, handling and processing data to verify the identity of new customers faster and more accurately.
8
Fraud detection
By monitoring transaction streams and system logs of the actions performed by employees in real time, process automation solutions can detect suspicious events quickly and accurately, becoming invaluable for preventing fraud. RPA bots and AI-powered agents can also help detect customer fraud by cross-checking payment details against government and corporate fraud databases, identifying unusual payment patterns, and spotting inconsistencies between payment details and bank records.
Additionally, these software solutions can consolidate evidence of fraud, create case summaries, and trigger alerts about possible anomalies. In known fraud cases, automation solutions can block the transaction or ask clients for proof of their legitimacy.
9
Customer onboarding
Because of the process complexity, financial services organizations traditionally spend significant time and effort onboarding new clients. With the help of RPA, companies can automate mundane tasks such as verifying customer data accuracy, setting up accounts, and performing background checks. Agentic automation solutions, in turn, can employ OCR and other technologies to extract data from unstructured documents sent by clients, as well as request missing details from them, provide financial plan recommendations to wealth managers, and send welcome emails to customers.
Such automation accelerates the KYC procedures and reduces the onboarding time, allowing organizations to focus on customer service to improve customer satisfaction and increase engagement rates.
To accurately calculate salaries, pensions, and compensation for paid leave, overtime, or important life events, accountants need to collect and validate diverse data on employee working hours, breaks, and benefits. Process automation solutions can take on a fair share of these activities, consolidating employee data, validating timesheet and sick leave entries, flagging anomalies like recorded overtime hours for human review, and generating payslips, filling them out with the data on working hours, taxes, and deductions.
Additionally, process automation tools can process sick leave and benefits requests, check them against company policies to confirm their eligibility, and synchronize data on the provided compensations with workforce management systems.
RPA + agentic automation in finance at a glance
In this video, Itransition’s experts demonstrate how the UiPath bot integrated with the OpenAI model automates invoice processing.
Get a free PoC to assess automation’s value for your company
Real-life examples of RPA & agentic automation in finance
Legal documents management automation for Deluxe
Deluxe, an American company that serves thousands of financial institutions by providing comprehensive financial services and products, faced challenges in managing and analyzing complex legal documents related to different contractual obligations, particularly those involving price adjustments. In light of this, Deluxe implemented automation solutions to process these documents quickly and efficiently, as well as save time and enhance data consistency.
Specifically, they adopted the UiPath Document Understanding solution, which can examine more than 900 contracts for pricing changes in two hours, saving the company over 800 hours. Additionally, they implemented the UiPath Communications Mining solution for order management, which processes and classifies messages with attachments and provides a unified view of email data, facilitating mailbox analytics.
I anticipate our imminent exploration of agentic automation, a sophisticated tool embodying human-like decision making. Crucially, it can streamline complex business and customer related decisions, suggesting promising solutions to current problems.
Reporting process automation for Société Générale Bank Brazil
Societe Generale Bank Brazil is one of the leading banks in Brazil that provides services for both corporate and institutional clients. Like many financial organizations, the bank faced the problem of its employees spending too much time on daily reporting, preventing them from performing more important and cognitively-demanding tasks. The bank implemented RPA to automate the entire reporting process, which saved 6 hours of work per employee per day.
RPA came to join other technological projects aiming at making our collaborators’ work easier and enabling us to offer increasingly better services to our clients.
Document governance & processing automation for Credigy
Credigy, a global B2B specialty finance company, was looking for a way to accelerate its growth with automation. Given that the company has to process thousands of data-intensive documents daily, keeping them in order is paramount. Previously, employees had to manually validate and rename files and move them to appropriate repositories, which was time-consuming and laborious.
Currently, RPA takes care of the entire process, allowing employees to focus on more strategic activities. Besides file governance, Credigy also automated due diligence, invoice processing, and reporting, resulting in a 15% increase in a compounded annual growth rate.
Invoice management automation for Fleet Innovation
Fleet Innovation, a prominent Finnish car leasing market player, has seen tremendous growth in recent years. However, strong business development resulted in the increase of tedious work for employees. Therefore, Fleet Innovation decided to handle administrative tasks, such as invoice processing, more efficiently with the help of robotic process automation.
After adopting a UiPath RPA bot, Fleet Innovation managed to automate the processing of 6000 invoices monthly, which accounts for 45% of the total number of invoices.
In repetitive routine work, a person always makes some mistakes, but the robot can be expected to follow the rules without exceptions.
Customer screening automation for HBL
Habib Bank Limited, the largest domestic multinational company in Pakistan in terms of assets and Pakistan’s largest bank by tier 1 capital, was looking to improve the customer and employee experience. For this purpose, they launched different automation initiatives, starting with customer screening automation in the compliance department and proceeding with broader automation adoption across the enterprise.
Currently, bots complete 95% of all new customer screenings, showing a 98% accuracy rate in all sanction screening checks and helping the bank process 80,000 new cases each month. While the company has already implemented 50 robots to orchestrate 135 processes across the business, saving 341,000 hours annually, they plan to adopt more robots and agents, investing in AI and automation to ensure full digital transformation.
Wherever a manual, repetitive task exists, I’d like to automate it, freeing staff for more challenging and rewarding roles.
Best practices for implementing RPA & agentic automation in finance
Start with automation-ready processes
To ensure high ROI of your automation initiative, it’s essential to identify business processes that are best suited for automation. For this, begin by analyzing your organizational workflows and ask employees involved if there are any pain points or areas that they would like to streamline. Also, assess how much time staff spends on the pinpointed processes, whether there is a high risk of human error, and whether the task can be automated with defined SOPs.
You can start by developing a proof of concept solution, automating only part of the workflow or small standalone workflow, to test the technology in a limited scope or by identifying low-risk processes where automation can bring immediate value to estimate its ROI. After implementing process automation solutions for the identified tasks, analyze whether they help achieve the expected goals and use these results to gain employee buy-in and expand automation to other tasks.
Strategically combine robotic & AI-powered automation
While agentic automation solutions provide more sophisticated capabilities, RPA bots can still be applied to successfully automate a great number of everyday financial processes, offering maximum result reliability. Thus, we recommend prioritizing rule-based solutions to cover as many of your workflows as possible and opt for agentic automation for more complex, context-dependent cases.
For example, robotic automation solutions are best suited for straightforward, rule-based tasks such as data entry, searching for information, or sending notifications to clients or specialists. Agentic automation solutions, on the other hand, can understand the context behind the data they process and make judgments based on it, which makes them suitable for executing more complex tasks like unstructured data extraction, discrepancy identification, and report summarization. Still, it’s advisable to establish human oversight over AI agents, involving people at critical decision points to verify agents’ results.
Opt for platforms supporting large-scale hyper-automation
As the company grows, the volume and variety of tasks to be automated can also increase. To prepare for such scenarios, opt for platforms that support large-scale automation, offering deployment flexibility, auto-scaling capabilities, reusable components, and centralized management and control of a large number of software bots and agents. Such capabilities will enable companies to seamlessly handle the increasing number of tasks, cover more advanced use cases, and process more data without having to reengineer the process automation system.
Monitor & refine your automation solution
To measure project success and automation solution value, you need to define success criteria when planning the implementation of automation solutions and track key performance metrics after their deployment, such as the time spent and saved on tasks, the number of transactions or documents processed, and the number of errors detected and prevented. Also, regularly collect employee feedback on agents’ or software robots’ performance and optimize them to cater to evolving business and user needs.
Benefits of agentic & RPA solutions in finance
By streamlining diverse financial operations, agentic automation and RPA technology provide numerous benefits to financial institutions, changing the way they deliver services and handle back-office processes.
Cost savings
By automating various processes, companies can cut down on operational costs by reducing the amount of human labor and the risks of costly errors.
Eliminated human error
By employing software tools to handle certain labor-intensive tasks, companies can avoid mistakes caused by employees’ fatigue or distraction and ensure consistency in process execution.
Improved customer experience
By streamlining client servicing tasks, companies can accelerate service delivery, reducing waiting time, enhancing client satisfaction, and fostering superior customer experience.
Streamlined regulatory compliance
Process automation solutions simplify adherence to regulatory requirements by providing detailed records and audit trails of processes they handle, as well as automating compliance monitoring and reporting tasks.
Agentic & RPA implementation in finance: challenges & solutions
Challenges | Solutions | |
|---|---|---|
Data security |
Due to handling large volumes of sensitive data and interacting with diverse enterprise applications,
automation tools can become prime targets for cybercriminals. Malicious attacks, resulting in data breaches
or operational downtime, can cost finance companies millions of dollars.
| RPA or agentic automation adopters should opt for software that provides robust security features, including data encryption at rest and in transit, role-based access controls, and secure credential management, as well as timely update the automation platform to install the latest security patches. Moreover, it’s essential to establish a solid data governance framework in the company to regulate how data is handled and conduct regular security audits to identify vulnerabilities. |
Resistance to change |
Since agentic and RPA solutions can perform various manual tasks at a greater speed and with higher
precision than humans, some jobs are being gradually phased out due to automation. As a result, specialists
from finance teams fear becoming unemployed, which causes resistance to the technology within the company.
| Organizations should invest in thorough employee training and upskilling programs, involving on-site workshops and online courses, enabling staff to transition smoothly to jobs where human involvement is necessary. It’s also essential for leaders to educate employees on how automation can benefit, not replace, human specialists, sharing successful examples of productivity improvements due to rule-based or AI-powered process automation. |
Our agentic & robotic process automation services for the finance industry
Consulting
Itransition’s experts guide you through the implementation of an RPA or agentic automation solution that fits your business needs. After reviewing your processes and defining automation use cases, we help you develop a tailored automation strategy, select the best-suited tech stack, and deliver the solution’s PoC. Moreover, we offer advisory services to assist you with developing the automation solution and integrating it into your IT ecosystem.
Implementation
We deliver tailored automation solutions to help you streamline repetitive, data-heavy, and high-volume tasks. Starting with identifying optimal processes to automate and technologies to implement the automation with, we proceed with developing an RPA or agentic solution according to your specifications. On request, we also provide hypercare managed services, monitoring and fine-tuning the solution to ensure that you gain maximum value from it.
Streamline your finance operations with RPA & agentic automation
The financial sector is going through a large-scale digital transformation, with financial businesses adopting technology to streamline their daily tasks, find new ways to serve their clients, and enhance operational efficiency. As organizations continue to realize the benefits of finance processes automation, we’ll likely see more businesses integrating agentic automation or RPA technology into their operations.
Ongoing advancements in AI technology are expected to accelerate the adoption of intelligent agents, allowing finance professionals, including CFOs, to focus on higher-value tasks like strategic decision-making, demand forecasting, and product optimization. Thus, in order to keep up with the changing technological landscape, partnering with agentic automation and RPA specialists like Itransition becomes essential.
Ensure stress-free adoption of robotic or agentic automation
FAQs
RPA bots are designed to automate repetitive and predictable manual processes and handle structured data. Examples of RPA automation in finance departments and companies include processing invoices with consistent formatting, updating customer records, and entering data into reports
Agentic automation, on the other hand, refers to a modern approach to automation which entails using large language models and generative AI solutions to perform less straightforward and more sophisticated tasks. AI agents excel at orchestrating complex, multi-step workflows with minimal human intervention, deciding on the best action to take based on the given context. For instance, they can process customer inquiries to identify missing information and send a request for it to the client.
The cost of adopting RPA and agentic automation can range from $5,000 per bot to $10,000 per AI-powered agent and can reach $300,000 for multiple bots and agents. The final cost of implementing automation technology varies depending on such factors as:
- Selected automation tools and their cost or licensing fees
- IT infrastructure costs, including costs for servers/cloud resources
- Complexity of developing the automation solution and integrating it with the corporate software
- Number of automated processes, bots, and agents
- Employee training costs
The most popular process automation platforms for finance are UiPath, Microsoft Power Automate, Automation 360, and SS&C Blue Prism. These platforms provide both robotic and agentic automation capabilities, low-code agent creation options, and agent customization support, enabling finance businesses to launch robots and agents for various use cases.
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