Bring bank account movements into SAP in real time via API or SFTP; activate rule-based automatic reconciliation to cut manual workload and the risk of error.
Real-Time Bank Integration is an integration solution that transfers bank account movements into the SAP system in real time over API or SFTP connections and reconciles them automatically according to defined rules.
Can you only see bank movements at the end of the day?
Are bank reconciliations still run in Excel or by hand?
Do you struggle to track account movements across several banks from a single screen?
At Montag, we analyse your existing banking infrastructure, your SAP system and your finance operations to design the integration architecture that fits your organisation best. Making maximum use of SAP's standard capabilities, we establish API- or SFTP-based real-time bank connections, activate automatic reconciliation rules and continue to provide operational support after go-live.
Bank account movements are transferred into the SAP system in real time over API or SFTP connections.
Bank movements are matched automatically using criteria such as account number, reference, transaction type, date and amount.
Unmatched movements, missing records and unusual transactions are reported instantly.
Account movements from several banks are managed in a standard structure on a single SAP platform.
Real-time cash visibility without waiting for end of day
A significant reduction in manual data entry and operational workload
Minimised risk of error in bank reconciliation
Faster close cycles for finance teams
Greater accuracy in cash management decisions
A standardised bank integration architecture
From multi-bank structures to high-volume finance organisations — the scenarios where this package creates the most value.
Central cash management in companies working with several banks
Real-time monitoring of intraday liquidity and cash position
Automation of manual bank reconciliation processes
Finance organisations with high transaction volumes
Reducing the operational workload of treasury and accounting teams
We analyse your existing banking infrastructure, finance processes and SAP system.
We design the most suitable integration architecture and the automatic reconciliation rules.
We develop, test and take the integration live, based on SAP standards.
After go-live we monitor performance, make improvements and provide continuous support.
We design the technical integration not only from an IT perspective but around the needs of finance operations.
We have delivered real-time bank integration and automatic reconciliation projects in multi-bank structures across a range of industries.
After go-live we continue to stand beside our clients through development, support and optimisation.
At a multi-bank manufacturing company, bank movements were fed into the SAP system in real time and automatic reconciliation was activated, significantly reducing manual operations.
Real-time bank integration is an integration model in which bank account movements are transferred into the SAP system in real time and processed through automatic reconciliation rules.
It works with multiple banks depending on the API or SFTP channel each bank offers; with Multi-Bank Connectivity, several banks can be managed in a single structure.
Both are possible. The most suitable channel is decided together, based on what the bank offers, the transaction volume and the need for real-time data.
Bank movements are matched automatically through rules defined on criteria such as account number, reference, transaction type, date and amount; exceptions are reported.
The number of banks, the chosen channel and the scope are the deciding factors. After a short assessment we share a clear timeline and roadmap.
Reduce the burden of manual reconciliation and speed up your finance operations.
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