Enterprise Multi-Banking
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.
Centralized Control
Unified payment execution and automated bank statement reconciliation across all entities without portal logins.
Real-Time Liquidity
Consolidate multi-currency cash positions into a single, real-time dashboard across all subsidiaries.
Maximum Security
Strict deployment of native standards such as EBICS and PSD2 guarantees absolute data integrity.
Seamless Connectivity Across Europe & UK
Seamless connectivity to leading European institutions, including:
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
For international subsidiaries or private banks that do not support EBICS as a default standard, we deploy modern, native banking APIs as a secure fallback. Direct banking APIs deliver cash balances and transaction updates intraday in real time for swift, strategic treasury decisions.
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—including purchase order numbers, creditor IDs, and invoice records. Your corporate accounting team receives logically pre-assigned ledger entries rather than cryptic lines of text, dramatically elevating touchless straight-through posting.
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.
