[vc_row css=”.vc_custom_1575554768698{padding-top: 0px !important;padding-bottom: 0px !important;}”][vc_column][vc_row_inner overlap_index=”50″ column_reverse=”xs,sm” vertical_align=”bottom” padding_size=”no-padding”][vc_column_inner width=”5\/12″ el_class=”img-modulo img-evo”][vc_single_image img_size=”thumbnail” alignment=”center” image=”62225″][\/vc_column_inner][vc_column_inner width=”7\/12″][\/vc_column_inner][\/vc_row_inner][vc_tour interval=”0″ el_class=”tour-modulo tour-evo”][vc_tab title=”Cash Management” tab_id=”1573140048-1-44″][vc_column_text]<\/p>\n
Corporate<\/strong> management, multi-company <\/strong>(holdings, groups, divisions<\/strong>), multilingual, integration with management systems (ERP, custom, legacy, etc.) definable for each individual company.<\/p>\n Registry of financial institutions <\/strong>and types of accounts associated with them (current accounts, foreign currency accounts, invoice advances, hot money, SBF accounts, etc.)<\/p>\n Management of current accounts <\/strong>and scalar accounts, interest summary with automatic generation of related forecast movements.<\/p>\n Management of interest rates <\/strong>on current accounts. Periodic acquisition of exchange rates and interest rates with the relevant reference lists.<\/p>\n Management of movement parameters by degree of certainty <\/strong>of the data (certain, provisional, forecast, etc.) and by date (value date, registration date, bank transaction date).<\/p>\n Simulations, analyses, and reporting <\/strong>that can be valued and countervalued in any currency.<\/p>\n Application and control of bank conditions <\/strong>with comparison between agreed and applied conditions.<\/p>\n Dynamic <\/strong>and progressive analysis <\/strong>of balances, multi-currency, multi-company, in detail and by line, with drill-down functions to intervene on detailed transactions, representation of balances by degree of data certainty.<\/p>\n Analysis of the average cost and return <\/strong>on deposits\/loans by company, bank, line, and group with calculation of average balances and indebtedness, related expenses and income.<\/p>\n Creation of reporting sets <\/strong>according to different business, management, operational, financial, and accounting needs, with the possibility of customizing content and layout at the user level with object-oriented logic and multidimensional views.<\/p>\n Management of user-customizable interactive dashboards <\/strong>and graphical dashboards and dynamic generation of financial graphs with multidimensional data analysis.<\/p>\n Storage <\/strong>of the most frequently used report execution parameters, creation of customized “views” for each user and for each report.<\/p>\n Management of accrued income and prepaid expenses <\/strong>with automatic calculation and recording of budget items for all financial items.<\/p>\n Automatic calculation and adjustment of currency accounts <\/strong>with different revaluation methods.<\/p>\n Bank Relationship Management<\/strong>, detailed analysis of banking operations by type of transaction, bank, country, totals, currency; dedicated reporting with statistical analysis of multidimensional banking operations.<\/p>\n Digital Office Automation <\/strong>functionality for generating correspondence to and from banking and group counterparties.<\/p>\n Direct integration with Office<\/strong> tools for exporting reporting<\/strong> data with customised formatting and connection to messaging and company archiving systems.<\/p>\n Fund transfer simulation <\/strong>with optimization of balances and interest rates, fund transfer proposals, with ex-ante and ex-post analysis of the resulting financial impact. Automatic generation and sending of bank instructions.<\/p>\n CORPORATE BANKING<\/strong><\/p>\n Integration with national and international Remote, Corporate, and Web-Banking <\/strong>systems (Host to Host connections, SWIFTnet, Alliance Lite 2, EBICS, etc.) for automatic management of bank reporting and guarantee of standardization and processing of national and international formats (CAMT.053, CAMT.054, MT940, MT942, CBI-RH, BAI2, NORMA43, etc.).<\/p>\n Parametric acquisition of bank transactions <\/strong>with dynamic interpretation of the data processed to enable detailed analysis of bank description strings and correct automatic entry of the first notes with the relevant accounting documentation.<\/p>\n Automatic matching <\/strong>of transactions by amount, value date, transaction date, reason, and check number, for individual transactions or daily balances, with different levels of aggregation and totalization, and the ability to enter notes or comments to justify suspended items in reconciliation.<\/p>\n Possibility of customising parametric criteria for data matching <\/strong>and defining tolerance ranges for amount and value date, with online adjustments and automatic generation of balancing movements.<\/p>\n Automatic certification <\/strong>of provisional and forecast treasury movements through reconciliation of bank statements, with evidence of discrepancies and management of any adjustments.<\/p>\n Automatic reconciliation <\/strong>of bank <\/strong>and intercompany statements <\/strong>in financial and accounting terms, with automatic certification of provisional data and related accounting.<\/p>\n Evidence and reporting of discrepancies <\/strong>during reconciliation between applied and agreed bank charges.<\/p>\n Monitoring<\/strong> functions for the correct processing of bank data in order to avoid double entries and\/or failed transmissions, archiving of uploaded and transmitted data.<\/p>\n Reconciliation <\/strong>of credit card<\/strong> statements.<\/p>\n Acquisition of bank statements <\/strong>in “Treasury Reporting <\/strong>Cockpit” mode for the centralized integration of treasury data in order to obtain consolidated visibility of the Group’s cash position (Statement Collecting and Consolidation).<\/p>\n Generation and historical archiving of reconciliation statements <\/strong>and simultaneous balancing with evidence of items under reconciliation.<\/p>\n Archiving and historical recording <\/strong>of all bank transactions from electronic account statements, with dynamic search functions.<\/p>\n CREDIT LINES<\/strong><\/p>\n Management of company and Group credit lines <\/strong>for different types, calculation of costs and commissions, and evidence of different levels of availability and remaining credit, verification of specific uses, real-time monitoring of availability for use, individual or global.<\/p>\n Support for audit<\/strong> processes, data traceability, user security management (MFA login, segregation of duties, etc.)<\/p>\n Solution compliant with privacy<\/strong> regulations, with advanced management of personal data and company functions, allowing customized definition of user groups, access profiles, and password protection levels .[\/vc_column_text][vc_empty_space height=”20px”][\/vc_tab][vc_tab title=”Retail & E-Commerce” tab_id=”1573140048-2-3″][vc_column_text]<\/p>\n The features of the Retail & e-Commerce module are designed for companies that need to improve reconciliation processes between different forms of payment and sales details. In addition to traditional reconciliations for physical stores, the module also manages reconciliations for the company’s e-commerce store.<\/p>\n The aim is not only to check the actual collection of sales (web orders, store receipts), but also to check the bank charges applied.<\/p>\n Other objectives include reducing man-hours, ensuring timely data availability, and updating bank balances in advance of remote banking.<\/p>\n \u00a0<\/em>In detail:<\/p>\n \u00a0<\/strong>Automatic acquisition <\/strong>of receipts from each individual direct point of sale <\/strong>(EU and non-EU) broken down by type of payment (cash, POS, credit card, ticket, etc.) with detection and management of cost centers, including multi-currency;<\/p>\n Automatic acquisition <\/strong>of processed e-shop orders <\/strong>(or accounting movements) broken down by payment method (credit card, POS, cash on delivery, bank transfer, prepaid, etc.)<\/p>\n Automatic recording, calculation, and control <\/strong>of bank <\/strong>collection fees\/agreed value dates;<\/p>\n Automatic acquisition <\/strong>of bank transactions<\/strong>, automatic and dynamic interpretation of bank descriptions (point of sale identification, type of collection, etc.);<\/p>\n Automatic acquisition of bank transactions and\/or PsP (GestPay, AmazonPay, Scalapay, Adyen, PayPal, Stripe, Ingenico, etc.<\/strong>) automatic and dynamic interpretation of information (point of sale identification, type of payment, etc.);<\/p>\n Automatic reconciliation<\/strong> search and matching by point of sale, web order number, amount, value date;<\/p>\n Tolerance management <\/strong>for amount and value date;<\/p>\n Detection of differences <\/strong>between collected and sold amounts.<\/p>\n Automatic management of cash boxes<\/strong>, counting room<\/strong>, cash dispenser<\/strong>, and detection of differences in cash collected for cash box balances;<\/p>\n Automatic detection of accounting movements according to user-configurable schemes.[\/vc_column_text][\/vc_tab][vc_tab title=”Customer Reconciliation” tab_id=”1573142640728-2-0″][vc_column_text]<\/p>\n Automatic management of the account settlement<\/strong> process between customer invoices and collections with transfer and closing of the corresponding invoice.<\/p>\n Automatic acquisition <\/strong>of open customer items\/invoices, orders, and collections received from the banking system.<\/p>\n Automatic <\/strong>and parametric reconciliation <\/strong>using various matching criteria (amount, company name, alternative company name).<\/p>\n Manual reconciliation <\/strong>of customer items with specific functions for analyzing and searching for data within items and collections, applying customizable <\/strong>sorting and reconciliation<\/strong> criteria.<\/p>\n Partial or total balancing <\/strong>of items with assignable accounting parameters for differences (e.g., discounts, rebates, or expenses).<\/p>\n Management of customer\/supplier ledgers and offsetting <\/strong>between documents, in the case of invoices and credit notes.<\/p>\n Management of advance payments <\/strong>and posting of amounts to customer accounts.<\/p>\n Recognition of customer company names using parametric recognition algorithms (Machine Learning<\/strong>) and storage of matching criteria <\/strong>already applied to increase reconciliation percentages and automatic matching of items.<\/p>\n Complete management <\/strong>of the account settlement process between collections and invoices in foreign currency<\/strong>, with detection and accounting of exchange rate differences.<\/p>\n Tracking <\/strong>and highlighting of invoices advanced or sold to the factor <\/strong>(or other forms of securitization) and related accounting and parametric management.[\/vc_column_text][\/vc_tab][vc_tab title=”Bills Portfolio” tab_id=”1573142675434-3-10″][vc_column_text]<\/p>\n Management of the active securities portfolio (RIBA, RID, MAV, bills of exchange, foreign securities, etc.).<\/p>\n Parametric presentation of bills with creation of statements <\/strong>and presentation files for sending to credit institutions.<\/p>\n Automatic receipt <\/strong>and processing of bill results <\/strong>(unpaid, paid, recalled, etc.) with automatic updating of customer ledgers and treasury accounts.<\/p>\n Simulation <\/strong>of costs and returns on portfolio presentations, using best-allocation<\/strong> criteria with assessment of presentation charges and automatic identification of “bank-to-bank” channelable quotas and financial management of the Fronting Account.<\/p>\n Management of all methods of bill disposal <\/strong>according to the different forms applied by banks: fronting account \u2013 advance \u2013 discount \u2013 after collection.<\/p>\n Analytical and parametric reporting<\/strong>, castling situations, analysis by customer, maturity, correspondent bank, risk level, status of the bill (unpaid, paid, recalled, presented, expired, etc.).<\/p>\n Full integration <\/strong>with the reference accounting system (updating of bill status in the accounts, reissue of bills with expenses, different customer closing methods, etc.).<\/p>\n Presentation time<\/strong> management: indication of minimum days, management of urgent due dates, massive changes in bill due dates.<\/p>\n Presentation management with indication of the maximum <\/strong>limit, by due date, by correspondent bank, by bill amount, by customer, etc.<\/p>\n Automatic <\/strong>determination of <\/strong>the percentage provision for presumed bad debts <\/strong>at the time of presentation and automatic reduction <\/strong>of forecasts upon receipt of actual results.<\/p>\n Management of presentation circuits <\/strong>with automatic detection of channelable quotas and determination of related expenses.<\/p>\n Presentation of the portfolio of companies managed in name and on behalf of<\/strong>, with automatic adjustment of intercompany relationships within centralized treasury scenarios.<\/p>\n The management of credit facilities<\/strong>, including in combination with other technical forms, allows for accurate calculation of their availability. The management of conditions relating to the calculation of interest and commissions allows for preliminary calculation and final verification of all charges.[\/vc_column_text][\/vc_tab][vc_tab title=”Payments” tab_id=”1573142694427-4-3″][vc_column_text]<\/p>\n Complete management <\/strong>of the accounting and financial process for all types and categories of payments.<\/p>\n Mass supplier payments<\/strong>. Acquisition of items from supplier accounting through payment proposal uploads from various systems, simulation of best allocation scenarios, automatic channeling of instructions, and automatic determination of bank charges and commissions, with control of actual debit currencies based on agreed terms.<\/p>\n Creation of payment slips <\/strong>and related files in various national and international formats <\/strong>(XML ISO20022, CBI-XML, SWIFT, local domestic standards) for forwarding to credit institutions.<\/p>\n Generation of accounting entries for payments <\/strong>and related bank charges and automatic updating of the supplier file in the reference ERP ledgers.<\/p>\n Automatic generation of payment notices <\/strong>to suppliers on paper or digital media, including mass mailing via email.<\/p>\n Complete management of payments with CIG\/CUP <\/strong>and management of large-scale project payments.<\/p>\n Categorization of payment types by nature, product sector, and priority (urgent payments, instant payments, etc.).<\/p>\n Management of various types of urgency (Instant Payments – HIGH – FAST – URGP – SDVA) for both domestic and cross-border payments.<\/p>\n Management of the payment process through collection of bills payable <\/strong>with acquisition of items from supplier accounting, receipt of payment notices from the bank, automatic reconciliation by amount and company name, accounting, and sending of payment instructions to the relevant bank.<\/p>\n Integration with the main Supply Chain Finance <\/strong>platforms for the management of virtual credit<\/strong> card payments, Confirming, Reverse Factoring, Dynamic Discount, and <\/strong>complete management of accounting entries.<\/p>\n Payment Factory <\/strong>management, payments in name and on behalf of (POBO<\/strong>) with automatic adjustment of related intercompany credit-debit relationships.<\/p>\n Management of all international payments<\/strong>, in accordance with the requirements of foreign banks, domestic payments in the non-SEPA area.<\/p>\n Management of manual payments <\/strong>(advances, insurance, rents, funds, professionals, etc.) with a specific procedure that allows the management of a centralized beneficiary database and the creation of payment flows to the banking system.<\/p>\n Management of PagoPA payments<\/strong>: scanning of QR codes for automatic entry of payment details, including all payment data. Checking of unique codes and VAT numbers to avoid double charges, with notification to the user.<\/p>\n Management of financial payments<\/strong>, mortgage payments, investments, and other types of payments, with the creation of the relevant payment file and direct transmission to the banking system.<\/p>\n Anti-fraud controls <\/strong>to secure payments not only within SEPA but globally, integration with specialized service providers (with real-time sending and receiving of results) and integration with banks for the Check IBAN <\/strong>service.[\/vc_column_text][\/vc_tab][vc_tab title=”Netting” tab_id=”1573142737041-5-2″][vc_column_text]<\/p>\n The Intercompany Netting procedure provides a single working platform dedicated to the settlement of debit\/credit items within corporate groups.<\/p>\n In detail:<\/p>\n Real-time updating <\/strong>of intercompany account balances between the holding company and<\/p>\n subsidiaries resulting from the netting <\/strong>of invoices\/credit notes, including in multiple currencies, avoiding time discrepancies in the balances on the respective accounts;<\/p>\n The balancing of intercompany customer and supplier items <\/strong>on the accounting systems of different companies, even if they have different and separate accounting systems;<\/p>\n Real-time communication <\/strong>between individual debtor\/creditor companies of information relating to invoices received or not received;<\/p>\n Management of disputes <\/strong>or communications via a dedicated chat;<\/p>\n Electronic archiving <\/strong>of all information relating to intercompany invoices issued and received, and all payments made, allowing them to be stored and consulted at a later date.<\/p>\n Intercompany credit<\/strong> management, <\/strong>invoice analysis, payment requests.<\/p>\n Intercompany debt<\/strong> management, <\/strong>invoice analysis, matching of active\/passive invoices;<\/p>\n Approval or rejection of payment.<\/p>\n Intercompany settlement<\/strong>, multi-currency management, display of Group companies’ debit\/credit balances.<\/p>\n Chat<\/strong> management and invoice note <\/strong>management:<\/p>\n Access to notes on invoices by the companies involved and the holding company, through the functions within their remit.[\/vc_column_text][\/vc_tab][vc_tab title=”In House Banking” tab_id=”1573142750010-6-10″][vc_column_text]<\/p>\n The Intercompany Netting procedure provides a single working platform dedicated to the settlement of debit\/credit items within corporate groups.<\/p>\n In detail:<\/p>\n Real-time updating of intercompany account balances between the holding company and The balancing of intercompany customer and supplier items on the accounting systems of different companies, even if they have different and separate accounting systems;<\/p>\n Real-time communication between individual debtor\/creditor companies of information relating to invoices received or not received;<\/p>\n Management of disputes or communications via a dedicated chat;<\/p>\n Electronic archiving of all information relating to intercompany invoices issued and received, and all payments made, allowing them to be stored and consulted at a later date.<\/p>\n Intercompany credit management, invoice analysis, payment requests.<\/p>\n Intercompany debt management, invoice analysis, matching of active\/passive invoices; Intercompany settlement, multi-currency management, display of Group companies’ debit\/credit balances.<\/p>\n Chat management and invoice note management: Management and monitoring of corporate debt through the management of medium\/long-term mortgage <\/strong>and loan agreements<\/strong>.<\/p>\n Dedicated management of contract records<\/strong>, linked to banking and accounting information. Workflow<\/strong> management on contract status and related links to accounting and banking records. Consultation of related transactions.<\/p>\n Management of the<\/strong> various stages of <\/strong>the mortgage:<\/p>\n\n
RETAIL & E-COMMERCE<\/span><\/h3>\n
CUSTOMER RECONCILIATION<\/span><\/h3>\n
BILLS PORTFOLIO<\/span><\/h3>\n
PAYMENTS<\/span><\/h3>\n
NETTING<\/span><\/h3>\n
IN HOUSE BANKING<\/span><\/h3>\n
\nsubsidiaries resulting from the netting of invoices\/credit notes, including in multiple currencies, avoiding time discrepancies in the balances on the respective accounts;<\/p>\n
\nApproval or rejection of payment.<\/p>\n
\nAccess to notes on invoices by the companies involved and the holding company, through the functions within their remit.[\/vc_column_text][\/vc_tab][vc_tab title=”Long term loans & Leasing” tab_id=”1573142761371-7-4″][vc_column_text]<\/p>\nLONG TERM LOANS & LEASING<\/span><\/h3>\n
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