Locally-sourced AI with a robotics edge is helping Perth-based P&N Bank shine in Australian banking.P&N reported growth in member numbers of only one per cent over the year to June 2018 but squeezed its base for bank asset growth of four per cent last year.Member deposits increased by five per cent to A$2.9 billion."The focus on contemporary digital banking services in no way reflects a lesser commitment to service over the phone or face-to-face," Andrew Hadley, P&N Bank CEO said in the outline of the bank's 2018 annual report.With a net promoter score of 42, Hadley can thank customers. "We are heartened by the continued high level of advocacy," he said.The bank's NPAT increased from $11.1 million to $12.2 million in 2018.    Omniflow, the supplier, feature the testimonial from Jill Marks, general manager of business transformation at P&N Bank.Speaking with Banking Day, Hadley said: "we did not have good visibility of work going through the back office in particular."We put in Omniflow got a much better picture of what is going on."About 100,000 pieces of work are now … understood."Automating low value tasks is key. Hadley said P&N Bank "put in 11 robots across 90 different processes" and they are building a centre of excellence in robotics."It hasn't been a massive spend," he said."The tools we use are being driven by business people technologists."Of the 86400 neo-bank backed by Cuscal, Hadley said "we just accept there will be number of startups."Ultimately, we hope anything smart Cusucal develop, we can leverage."