{"id":131352,"date":"2025-11-17T16:56:35","date_gmt":"2025-11-17T15:56:35","guid":{"rendered":"https:\/\/www.cib.de\/?p=131352"},"modified":"2025-11-18T12:53:49","modified_gmt":"2025-11-18T11:53:49","slug":"concesion-de-creditos-automatizada-con-ki","status":"publish","type":"post","link":"https:\/\/www.cib.de\/es\/ki-basierte-gehaltsueberpruefung-automatisierte-kreditvergabe\/","title":{"rendered":"Verificaci\u00f3n salarial basada en IA: concesi\u00f3n de cr\u00e9ditos m\u00e1s r\u00e1pida gracias a la automatizaci\u00f3n"},"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\" data-e-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\" data-e-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-e-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\">As\u00ed es como los bancos dise\u00f1an sus procesos de forma m\u00e1s eficiente gracias a la IA y a los flujos de trabajo modernos. <\/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-e-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>En el mundo financiero actual, los clientes esperan procesos r\u00e1pidos y fluidos, especialmente en lo que respecta a la concesi\u00f3n de cr\u00e9ditos. Sin embargo, lo que los consumidores dan por sentado supone un reto considerable para los bancos y las instituciones financieras, ya que se hace necesaria la comprobaci\u00f3n precisa de gran variedad de documentos  (n\u00f3minas, documentos de identidad, 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-e-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\">El reto <\/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-e-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>Cuando se solicita un cr\u00e9dito, los bancos reciben una gran cantidad de documentos, entre los que suelen encontrarse n\u00f3minas. Estos documentos pueden presentar diferencias en cuanto a forma, calidad y estructura: hay escaneos, fotos y formatos dif\u00edciles de leer. La verificaci\u00f3n manual no solo es muy lenta, sino tambi\u00e9n propensa a errores. Esto se traduce en tiempos de tramitaci\u00f3n m\u00e1s largos y una menor satisfacci\u00f3n del cliente.<\/p><p>Ante esta situaci\u00f3n, nuestro cliente buscaba una soluci\u00f3n que le permitiera verificar de forma r\u00e1pida y automatizada, en particular, la informaci\u00f3n que figuraba en las n\u00f3minas.<\/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-e-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\">La soluci\u00f3n: m\u00f3dulos CIB de Inteligencia Artificial y gesti\u00f3n de pedidos escalable <\/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-e-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 aplicaci\u00f3n, CIB proporcion\u00f3 una soluci\u00f3n integrada que combina varios 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\" data-e-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\" data-e-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-e-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\">El m\u00f3dulo de IA <a href=\"\/es\/deeper\/\" target=\"_self\"><strong><span style=\"text-decoration: underline\">CIB deepER<\/span><\/strong><\/a> extrae autom\u00e1ticamente los datos relevantes sobre el contenido, incluso cuando la calidad del escaneo es deficiente, mediante tecnolog\u00eda OCR, palabras clave y m\u00e9todos de transformaci\u00f3n.<\/li><li class=\"translation-block\">Con <a href=\"\/es\/recognice\/\" target=\"_self\"><strong><span style=\"text-decoration: underline\">CIB recogNice<\/span><\/strong><\/a>, los documentos se clasifican autom\u00e1ticamente con una impresionante tasa de reconocimiento del 99%.<\/li><li class=\"translation-block\"><a href=\"\/es\/sherlock\/\" target=\"_self\"><strong><span style=\"text-decoration: underline\">CIB sherlock<\/span><\/strong><\/a> cubre el denominado procesamiento oscuro (procesamiento autom\u00e1tico sin intervenci\u00f3n manual) con una cuota de alrededor del 80 %.<\/li><li class=\"translation-block\">A trav\u00e9s de la plataforma BPMN de flujo de trabajo <a href=\"\/es\/flow\/\" target=\"_self\"><strong><span style=\"text-decoration: underline\">CIB flow<\/span><\/strong><\/a>, estos resultados de IA se integran de forma continua en procesos 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\" data-e-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-e-type=\"widget\" data-settings=\"{&quot;source_json&quot;:{&quot;url&quot;:&quot;https:\\\/\\\/www.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-e-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\">Resumen de 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-e-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>Gracias a esta soluci\u00f3n de inteligencia artificial y automatizaci\u00f3n, el banco ya ha logrado los siguientes \u00e9xitos:<\/p><ul><li>Una clasificaci\u00f3n de documentos con una tasa de acierto muy alta (~99%).<\/li><li>Una tasa de procesamiento en segundo plano de alrededor del 80 %, lo que significa que el 80 % de los procesos se ejecutan de forma automatizada, sin intervenci\u00f3n manual!<\/li><\/ul><p>Esto supone un ahorro de tiempo considerable y un aumento de la eficiencia en el proceso de verificaci\u00f3n de las n\u00f3minas. Al mismo tiempo, la satisfacci\u00f3n de los clientes aumenta significativamente, mientras que los costes operativos se reducen.<\/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-e-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\" data-e-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-e-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 \u00edndice de acierto de la 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 en procesamiento oscuro<\/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-e-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\">\u00bfPor qu\u00e9 funciona tan bien?<\/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-e-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\tLa soluci\u00f3n tiene en cuenta escaneos, fotos y mala legibilidad gracias a robustos modelos 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\" data-e-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-cogs\" viewbox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M512.1 191l-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 0L552 6.3c3-5.3 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 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\tAutomatizaci\u00f3n en lugar de verificaci\u00f3n 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\tLa clasificaci\u00f3n y la extracci\u00f3n eliminan muchos pasos manuales.\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-e-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\tFlujo de trabajo 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\tLa integraci\u00f3n en los procesos BPMN permite supervisar, controlar y optimizar los procesos.\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-e-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\tEscalable\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\tLa plataforma escala autom\u00e1ticamente las capacidades de procesamiento, lo que resulta ideal cuando hay un gran 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\" data-e-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\" data-e-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-e-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:\/\/www.cib.de\/wp-content\/uploads\/2025\/08\/Google-KI-282-1024x820.png\" class=\"attachment-large size-large wp-image-129131\" alt=\"\" srcset=\"https:\/\/www.cib.de\/wp-content\/uploads\/2025\/08\/Google-KI-282-1024x820.png 1024w, https:\/\/www.cib.de\/wp-content\/uploads\/2025\/08\/Google-KI-282-375x300.png 375w, https:\/\/www.cib.de\/wp-content\/uploads\/2025\/08\/Google-KI-282-768x615.png 768w, https:\/\/www.cib.de\/wp-content\/uploads\/2025\/08\/Google-KI-282-15x12.png 15w, https:\/\/www.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\" data-e-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-e-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>\u00abActualmente se calcula que se procesar\u00e1n 11,5 millones de p\u00e1ginas al a\u00f1o. El banco prev\u00e9 reducir los tiempos de tramitaci\u00f3n gracias a este proceso. De este modo, se espera aumentar la tasa de liquidaci\u00f3n en al menos un 10% anual\u00bb.<\/p><p><strong><span style=\"font-size: 14pt;\">Sascha Proske, Asesor CIB y Consultor de Proyecto<\/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-e-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\">Implicaciones para bancos e instituciones financieras<\/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\" data-e-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\" data-e-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-e-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>Los procesos no solo deben digitalizarse, sino tambi\u00e9n automatizarse de forma inteligente. El enfoque pasa de la \u00abdigitalizaci\u00f3n\u00bb a la \u00abautomatizaci\u00f3n y optimizaci\u00f3n\u00bb.<\/li><li>Los m\u00f3dulos de IA no solo permiten una mayor eficiencia, sino tambi\u00e9n una mayor calidad (menos errores, mejores datos).<\/li><li>Hoy en d\u00eda, los clientes esperan rapidez y claridad. La lentitud en el proceso tiene efectos negativos.<\/li><li>La transparencia y el control de los procesos son fundamentales para alcanzar altos \u00edndices de automatizaci\u00f3n.<\/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\" data-e-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-e-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:\/\/www.cib.de\/wp-content\/uploads\/2024\/05\/HG_CIB-flow_landing.png\" class=\"attachment-large size-large wp-image-115408\" alt=\"\" srcset=\"https:\/\/www.cib.de\/wp-content\/uploads\/2024\/05\/HG_CIB-flow_landing.png 720w, https:\/\/www.cib.de\/wp-content\/uploads\/2024\/05\/HG_CIB-flow_landing-450x300.png 450w, https:\/\/www.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-e-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\">El portal para procesos de facturaci\u00f3n eficientes<\/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-e-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>El caso de estudio muestra de manera ejemplar c\u00f3mo los bancos pueden hacer m\u00e1s eficientes sus procesos de verificaci\u00f3n de cr\u00e9ditos, especialmente en lo que respecta a la verificaci\u00f3n de n\u00f3minas, mediante el uso espec\u00edfico de la IA y la automatizaci\u00f3n. La combinaci\u00f3n de la clasificaci\u00f3n de documentos, la extracci\u00f3n de datos y la integraci\u00f3n de flujos de trabajo permite trabajar de forma m\u00e1s r\u00e1pida, con menos errores y de manera escalable. Esto supone una clara ventaja competitiva para las instituciones financieras.<\/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-e-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\">\u00a1Hable con nosotros!<\/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-e-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\">Si est\u00e1 pensando en c\u00f3mo optimizar sus procesos de inspecci\u00f3n, esta soluci\u00f3n es un punto de partida concreto: <b>La digitalizaci\u00f3n por s\u00ed sola no es suficiente: la automatizaci\u00f3n y la inteligencia artificial marcan la diferencia.<\/b> \u00a1Le asesoramos de forma personalizada!<\/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-e-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=\"\/es\/case-study\/nominas-verificacion-solvencia-eficaz-con-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\">Ir al caso de uso  <\/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-e-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=\"\/es\/contacto\/\" 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\">Contactar<\/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>Las entidades financieras  dise\u00f1an sus procesos de forma m\u00e1s eficiente gracias a la IA y a flujos de trabajo r\u00e1pidos y 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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