Centralised Cash Visibility & Pragmatic Treasury Control
Complete transparency across all banks, automated transaction sync, and total liquidity control.
Pragmatic C-Suite control instead of TMS overhead
Unlike traditional Treasury Management Systems that require multi-year implementation roadmaps, capient FLOW offers rapid time-to-value. It delivers essential liquidity visibility and payment controls by bridging your banks & ERP systems through secure interfaces.
Consolidated Daily Liquidity
Eliminate decentralised spreadsheet risk. capient FLOW consolidates all bank accounts, currencies (EUR, CHF, USD), and subsidiaries into a real-time single source of truth – including automated FX and multi-entity consolidation.
Idle Cash & Working Capital Optimisation
Identify idle capital across secondary accounts in real time. Deploy surplus balances immediately for automated sweeping, short-term investment, debt reduction, or capturing early payment discounts.
Real-time Payment Pipeline
Complete visibility over today’s upcoming cash outflows. Maintain full control over scheduled payments before final bank release.
Automated Capital Protection
100% transaction-level auditing. The integrated Gatekeeper blocks duplicates and unauthorised IBAN changes reliably before funds reach the bank connection.
INTELLIGENT STATEMENT ENRICHMENT
High-Precision Ledger & ERP Matching via Enrichment
Streamlined processing of daily camt.053 bank statements. capient FLOW intelligently enriches raw banking feeds with custom ERP parameters and master data tailored to your organizational requirements.
Key Benefits of Data Enrichment:
- Maximum Straight-Through Processing: Your ERP automatically posts incoming & outgoing transactions without manual intervention.
- Fault-Tolerant Matching: Incomplete remittance advice from vendors is seamlessly completed using ERP master data.
- Faster Month-End Close: Eliminates time-consuming manual investigation of unmatched bank entries.
European Live Bank Sync & Instant Transparency
Data refresh rates in capient FLOW adapt dynamically based on European banking protocols. We retrieve balances and statements predominantly via live feeds or automated overnight batches.
Automated Banking Sync
Continuous background polling across connected European banking networks. Eliminates manual logins to separate banking portals – all balances update automatically.
Real-time Balances & Status Indicators
Direct visual indicators instantly inform the finance team how recent the figures are – confirming live posted and balanced figures (e.g., Live 14:15) or overnight statement syncs.
End-to-End Gatekeeper Validation
Green status badges indicate 100% audit coverage. Every outgoing and incoming transaction is validated on line-item level to ensure uncompromising governance across all accounts.
Frequently Asked Questions
How does capient FLOW differ from a traditional Treasury Management System (TMS)?
Traditional Treasury Management Systems (TMS) are often complex, monolithic software projects requiring multi-year implementation roadmaps. capient FLOW operates as a lightweight, high-performance orchestration layer directly between your European banking interfaces and ERP landscape. It offers rapid time-to-value, delivering real-time cash visibility, automated camt.053 statement enrichment, and pre-payment protection without extensive IT customisation.
How does ISO 20022 (camt.053) bank statement enrichment work in capient FLOW?
capient FLOW automatically processes daily ISO 20022 camt.053 bank statements. The platform intelligently enriches raw banking feeds with custom ERP parameters, ledger references, and master data tailored to your organizational requirements. This significantly increases straight-through processing (STP) rates and accelerates month-end closing routines in your core ERP.
Which banking protocols and connections are supported for multi-banking sync?
capient FLOW connects seamlessly to European financial institutions predominantly via encrypted host-to-host EBICS pipelines and direct banking APIs. Data refresh rates adapt dynamically based on European banking protocols, offering automated background polling and live account status tracking across international subsidiaries and currencies (EUR, CHF, USD).
How does the Pre-Payment Gatekeeper protect against fraud and unauthorized changes?
The integrated Gatekeeper acts as an automated internal control filter prior to bank release. It audits 100% of outgoing transactions, freezing payment files automatically if any discrepancies occur between invoice line items, vendor master records, or authorized IBAN details. This completely eliminates loose CSV/XML file exports on local machines and shields your organisation from CEO fraud.
Ready for total cash visibility without IT friction?
Establish real-time transparency and pragmatic liquidity control across all your banking relationships.
