The digital workforce has been around in many forms for a while, these workers are formed into two main categories Robitic Process Automation (RPA) and intelligent Process Automation (IPA). RPA referes to administrative and accountable tasks using automatic processes within existing technologies. IPA refers to using smart programmes with the addition of artificial intelligence to automate processes. Any process that has defined set of inputs, a logical method and a defined set of outputs is a candidate for automation. The benefit for financial services clients occurs in many ways.