Banking Orchestrator

Multi-bank operations fragment by default

When operations span multiple banks, execution and visibility split across portals, credentials, formats and communication channels. Each additional banking partner introduces new operational steps and exceptions, making it harder to standardise controls and scale reliably.

Multi-bank connectivity that doesn’t multiply complexity

Finologee Banking Orchestrator provides a single access point that abstracts connectivity and format differences, so teams connect once and operate consistently across banks. Connectivity can be established via the SWIFT network using Finologee’s own BIC, or through other bank-supported channels such as SFTP and EBICS.

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Payment execution breaks acrosstools and handovers

Payments often move between systems, spreadsheets and inboxes before reaching the bank. That fragmentation introduces avoidable errors, slows approvals, and makes it difficult to prove who validated what and when.

A controlled workflow from initiation to bank execution

Payments can be initiated in the interface, uploaded in bulk, or injected from upstream systems via API. Approval chains and signatory rules align to internal policy, with end-to-end status monitoring and audit-ready traceability across actions and approvals.

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Liquidity stays dispersed and hard to optimise

With balances spread across multiple accounts and banks, liquidity optimisation often relies on manual checks and repetitive transfers. The result is idle cash, inconsistent routines, and operational effort that grows with every additional account.

Rule-based cash concentration and pooling

Finologee Banking Orchestrator supports automated cash concentration and pooling to centralise liquidity from multiple source accounts into a master account. It supports strategies such as zero-balance sweeping and balance rules based on thresholds and target balances, with configurable execution parameters and traceability.

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Bank reporting isn’t built for downstream use

Statements and account reporting rarely arrive in consistent formats or
with consistent meaning. This creates ongoing variability for monitoring, reconciliation, and finance processes that depend on stable datasets.

Centralised reporting, standardised datasets

The platform centralises balances, transactions and statements across banks and supports consistent outputs that are easier to consume. Data can be delivered via APIs or controlled exports into treasury, finance and accounting platforms, reducing bank-by-bank variability.

Corporate & institutional clients expect modern digital banking experiences

Corporate and institutional clients expect a modern portal tailored to how they operate, not a repackaged retail experience. They need more than viewing balances and sending payments: approval journeys, structured execution, and advanced cash management such as liquidity routines and pooling. Delivering that experience in-house is complex and costly, with long build cycles and ongoing maintenance across controls and security. When it is missing, it becomes a visible capability gap in the bank’s digital offering.

A bank-branded portal built for corporate banking

Finologee Banking Orchestrator can be delivered as a bank-branded corporate & institutional portal, purpose-built for sophisticated client operations. It supports approval workflows, segregation of duties, cash concentration and pooling, and a structured layer for payment initiation, tracking and audit reporting. Where needed, the
portal can also provide access to accounts held at other banks, so clients operate from one workspace as banking relationships expand.

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Straight-through processing breaks when every bank speaks a different API

Even where banks expose APIs, connectivity, payloads, security models and lifecycle behaviour differ materially. Teams end up maintaining bank-by-bank integrations, with manual fallbacks whenever a bank constraint, exception or status ambiguity appears.

A single API layer for consistent execution across banks

Finologee Banking Orchestrator provides a bank-agnostic API to initiate and route flows, retrieve balances and statements, and monitor execution status across connected banks. Channel and format differences are absorbed within the platform, so upstream systems integrate once and stay stable as banking relationships evolve.

Bank entitlements aren’t designed for modern operating models

User and signatory administration is often locked into individual bank portals, with rigid roles and slow change cycles. Delegation to
administrators and third parties becomes difficult to govern, whilst day-to-day operations remain exposed to bottlenecks around named individuals and bank-driven onboarding.

Centralised access and authorisation, with flexible signature options

Banking Orchestrator centralises users, roles and approval chains across accounts, with interfaces designed for frequent change, delegation and segregation of duties. It can integrate with existing authentication and e-signature environments, or rely on FinologeeSIGN for two-factor authentication and e-signature, with audit-ready traceability across every approval.

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Cross-bank operations lack a single source of operational truth

Once execution spans multiple banks and channels, oversight fragments into portal checks and bank-specific exports. Exceptions surface late, and producing audit evidence turns into a manual reconstruction exercise across logs, inboxes and spreadsheets.

Supervision and audit evidence, consolidated across all banking relationships

The platform provides consolidated oversight across banks and accounts, with a complete audit trail for actions, approvals and key events. Standardised reporting and
controlled outputs support operational governance and audit requests without bank-by-bank reconciliation.