A Single Gateway for All of Europe - Banking, Perfected for Corporate Accounting
Eliminate portal-hopping and token chaos
Connect all your corporate accounts via a centralized interface. capient FLOW unifies the industrial-grade security of EBICS with the agility of modern real-time APIs—enriched with data your accounting team comprehends instantly.
Seamless connectivity to leading European institutions, including:
The Challenge | Fragmented Payment Streams & "Raw" Banking Data
When treasury infrastructure is fragmented, high-value finance teams sink into administrative chaos
The Token Chaos
Specialists expend valuable hours logging into five or more separate banking portals and managing physical security tokens.
The Data Desert
The single largest challenge within corporate accounting is raw, unstructured banking data that requires laborious, manual reconciliation.
Restricted Liquidity Visibility
Without consolidated cash balances, corporate leadership operates in an operational blind flight regarding cash forecasting.
Hybrid Technology | Industrial Reach Meets Real-Time Agility
Why compromise? We combine the best of both worlds to deliver uncompromised connectivity across the DACH region, the UK, and the Nordics
EBICS (Host-to-Host) for High-Volume Payments
The definitive standard for financial specialists. We deploy established EBICS protocols for the secure, encrypted transmission of massive datasets. capient FLOW processes and delivers next-gen ISO 20022 formats—such as camt.053 (bank statements) and pain.001 (payment templates)—natively.
Real-Time APIs for Daily Operations
Direct banking APIs deliver cash balances and transaction updates intraday in real time. You monitor cash flow as it happens—ideal for swift, strategic treasury decisions.
Unbound Scalability
Whether operating in Frankfurt, London, or Stockholm, capient FLOW acts as your centralized financial command console. Onboard new jurisdictions or corporate accounts seamlessly via a single click, entirely eliminating unpredictable IT mega-projects.
The Accounting Lever | From Raw Bank Data Import to Verified Ledger Entries
Our intelligence layer bridges the systemic gap before raw data ever reaches your core applications.
capient FLOW enriches incoming bank statements systematically with commercial context to reduce manual reconciliation to virtually zero:
Context Over Raw Data
The system analyzes complex payment references, independently cross-referencing them with purchase orders, creditor IDs, and invoice records.
Optimised Straight-Through Posting
Your corporate accounting team receives logically pre-assigned ledger entries rather than cryptic lines of text. The rate of touchless reconciliation increases drastically.
Security & Compliance | Reimagining Payment Sign-Off
Eliminate physical signature folders and disconnected authorization pipelines permanently.
Granular Governance Schemes
Define flexible, role-based signature parameters (e.g., "Payment runs exceeding €50,000 strictly enforce the combined digital sign-off of both the CFO and CEO") directly within the system configuration.
Your Quantifiable Economic Advantage
Transforming corporate banking into a distinct competitive advantage for the current fiscal year 2026
100% Cash Visibility
All balances and multi-currency accounts across every financial institution consolidated into a single, intuitive dashboard.
Substantial Capacity Reclaimed
Complete elimination of repetitive, manual log-ins into scattered banking portals.
ISO 20022 Native Foundations
Future-proof and comprehensive support for structured formats including camt.053 and camt.054.
Sovereign Data Protection
As an established brand of digital//m GmbH (market seniority since 1998), we maintain capient FLOW on secure, dedicated servers inside European data centres, ensuring zero data leakage to third countries.
Frequently Asked Questions about Enterprise Multibanking
How does capient FLOW's Multibanking differ from standard corporate banking software?
Standard banking tools operate in isolation, merely displaying balances without contextual awareness. capient FLOW bridges this operational gap by linking your multi-entity account balances directly with your active Accounts Payable (AP) and procurement data. By leveraging secure host-to-host and EBICS communication protocols, it aggregates cross-border transaction logs centrally, providing an unalterable control instance for group-wide cash flows.
Can the platform manage multiple international currencies and regional banking networks?
Yes, the framework is specifically engineered for multi-entity enterprise structures operating across different fiscal zones, including the UK, Eurozone, and Nordic countries. capient FLOW natively processes cross-border transactions, reconciles diverse currency ledgers in real-time, and harmonizes fragmented bank connections into a unified single source of truth for your treasury management.
Do we need to alter our existing bank accounts or internal commercial signing authorities?
No. capient FLOW integrates seamlessly with your established banking relationships and does not alter your internal commercial signature policies or executive corporate powers. The platform functions strictly as an advanced Internal Control Framework (ICF) layer that validates transactions for fraud or file tampering prior to transmission. The definitive payment execution and dual-control sign-offs remain entirely within your secure corporate channels.
