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Features & modules

Capabilities

A modular, multi-bank platform for payments, cash management, accounts and reporting, with rule driven workflows, real time dash boards, and full auditability. Deploy capabilities individually or as a unified operating layer: as a standalone portal, white-labelled under your own brand, or integrated into existing digital channels.

Operational dashboard & action centre

Operational dashboard & action centre

Monitor payments and cash positions, and resolve pending actions from a single operational workspace.

  • Real-time financial position: total balances, incoming/outgoing flows, overdue payments and planned transactions with automatic multi-currency conversion
  • Cashflow forecasting with historical transactions and forward projections
  • Action centre consolidating all pending approvals across payments, counterparties, and compliance screenings, with priority-based organisation

See it in action

Configurable dashboard
  • Modular dashboard with customisable widgets
  • Filtering by account or account group
  • Views for different routines
Action centre
  • Payments, counterparties and KYC screenings awaiting review
  • Organised by urgency and priority
  • Actions can be taken on multiple items simultaneously
Illustration showcasing payments

Payments

Create, validate and track payments across banks with rule-driven approvals and full traceability.

  • Credit transfers, instant payments, standing orders, direct debits, and foreign exchange payments
  • Single payments, bulk uploads, and structured batches

See it in action

Creation channels
  • Web interface
  • External API
  • Batch upload
  • WebDAV secure file exchange module
Controls and visibility
  • Four-eyes principle and multi-step approvals
  • Status monitoring and audit logging
  • Evidence attachments for operational controls
  • Format transformation where required
logos of 9 bank partners

Bank account management

Aggregate cash and securities accounts across banks into a single oversight layer with consolidated authentication.

  • Customisable account groupings by entity, geography, purpose or custom criteria
  • Structured oversight views for balances and movements
  • At-a-glance account summaries and balance evolution charts

See it in action

Access
  • UI views for consolidated positions
  • External API for account and reporting retrieval
  • WebDAV secure file exchange module for file-based workflows
Operational support
  • Transaction history access supporting monitoring and reconciliation
  • Cashflow monitoring and total position views
Screenshot showcasing feature to select date, party, and format for downloading statements

Reporting & statements retrieval

Retrieve and export statements and transaction reporting in standard formats for reconciliation and controls.

  • Web interface access with consolidated reporting across accounts, with aggregation, grouping and filtering using multiple criteria for controls and reconciliation
  • Statements and transaction reporting in standard formats (MT940, CAMT.053), with export options (e.g., CSV, XLSX, PDF)
Reporting types
  • Account statements and transaction history
  • Account balances and non-executed transaction reporting
  • Operational status reports
Optional services
  • API-based exports to third-party systems
  • Automated statement printing service (postal delivery)
card showing settings for signatory management

Signatory management

Multi-step authorisation with configurable signatory rules, notifications and eSignature-enabled approvals.

  • Client-managed user and signatory controls, enabling authorised administrators to maintain entitlements and approval rights without bank intervention
  • Approval flows by account, amount range, currency, category and counterparty risk,
  • Auto-approve (low risk payments) and auto-reject (out-of-policy transactions) options
  • At-a-glance Alert for gaps and overlaps in signature rules to avoid payment failure and blind spotsaccount summaries and balance evolution charts

See it in action

Identity & access
  • Multi-factor authentication
  • Single sign-on (OAuth2 or SAMLv2)
  • Compatibility with LuxTrust and external authenticators
Workflow layer
  • Notification logic aligned to signatory matrices
  • Action centre consolidating pending operations
  • Signature tracking with audit trail
boxes representing clients ,people, and parties

Counterparty management & KYC integration

Centralise counterparties (beneficiaries/payees) with risk-based controls, screening workflows and cross-border pre-validation.

  • Controlled counterparty onboarding with maker-checker validation by designated user groups, with full audit trail
  • Counterparty registry with bulk management and SWIFT Pre-Validation support for cross-border payment data checks
  • Three creation channels: manual entry, bulk file upload, or API integration

See it in action

Risk control
  • IBAN blacklist/blocking and counterparty risk definition
  • Counterparty screening and monitoring against blacklisting, sanctions and PEP lists
  • Rule-driven payment validation based on counterparty status
Integration
  • Optional integration with external KYC systems
  • Optional integration with FinologeeKYC
graph showcasing consolidated holding value over time

Securities accounts

Consolidated reporting and monitoring of portfolio and safekeeping positions across custodians.

  • Consolidate portfolio monitoring with holding value, currency exposure, number of accounts, and security positions
  • Drill-down account and position-level details, including holding value, quantity, latest price valuation, statement date, and valuation inputs
Scope
  • Designed for reporting and oversight of securities holdings and valuations across custodians
  • Access to official custodian statements snapshots
Usage
  • Assess overall portfolio health and track exposures across different currencies
  • Monitor where assets are held: positions with associated safekeeping accounts and distribution across accounts
illustration of cash management automation

Cash management automation

Automate liquidity routines with configurable sweep structures, rule-driven transfers, visual monitoring, and full auditability across all connected accounts and banks.

  • Automated cash concentration across accounts and banks
  • Sweep rule types: zero-balance (ZBA), target-balance (TBA), threshold- based, and range-based sweeping
  • Multi-level structures with visual diagrams showing account hierarchies and fund flows
  • Oversight views for rules, structures, aggregated balances and execution history

See it in action

Automation layer
  • Rules definition in the interface
  • Custom automated workflows
  • Authorisation workflows and audit logs for automated transfers
Operational controls
  • Four-eye approval for cash concentration rules
  • Traceability through audit trails
  • Dashboards for monitoring and exception handling
circle diagram and progress bar showing tracked amounts

Capital calls & fee collection

Incoming-flow routines for tracking expected amounts, reconciliation and evidence across investor-driven collections.

  • Capital call dashboards with multi-currency automated and assistedreconciliation across multiple bank accounts
  • Fee collection via SEPA Direct Debit in EUR, with status tracking and reconciliation
Capital calls
  • Expected amounts allocation and monitoring, at investor and tranche levels
  • Audit logging and evidence for operational traceability
Fee collection
  • SEPA Direct Deb it in EUR
  • Status tracking and reconciliation support
magnifying glass going over transactions before excecution

Depositary oversight

Funds & asset servicers can introduce an ex-ante control step so depositary teams can review, approve or reject transactions before execution, with a complete audit trail.

  • Based on configurable rules, certain payments are paused for depositary review before execution
  • Each relevant transaction is approved, rejected, or flagged for additional information before it can progress
  • Payments can include supporting and justifying documents for review

See it in action

Oversight workflow
  • Ex-ante review step before execution, with approve/reject and request-for-information actions
  • Dedicated dashboard with notifications and clear status
Controls & governance
  • Depositary-defined rules and decision logging for traceability and oversight reporting
  • Secure access patterns (e.g.,SSO) aligned to segregated roles and permissions
diagram showcasing e-invoice exchanging between the peppol network through Finologee's gateway

Peppol e-invoicing

Exchange e-invoices and documents via the Peppol network through Finologee’s Peppol gateway, for public-sector and commercial workflows.

  • Structured invoice exchange through the Peppol network
  • Automated sending and receiving flows for AP and AR processes
  • Validation, routing and audit trails for compliance and control
  • Support for upcoming EU e-invoicing mandates and interoperability requirements
PEPPOL network access
  • Connectivity to the Peppol network via Finologee’s Peppol gateway
  • E-invoice and document exchange across public-sector and B2B/B2C endpoints
Integration & operations
  • Available as an optional capability alongside Banking Orchestrator workflows
  • Suitable for API-driven integration into finance and billing environments

Platform foundations

Cross-cutting controls applied consistently across every capability.

Security
& identity

Single sign-on (OAuth2 or SAMLv2) and multi-factor authentication, compatible with LuxTrust and external authenticators, with advanced eSignature authorisation.

Administration &
entitlements

Role-based entitlements for users, entities and access rights, with provisioning and rights assignment aligned to the client’s authentication and identity stack.

Workflow
governance

Rule-driven approvals (four-eyes and beyond), notification logic aligned to signatory matrices, and an action centre for pending operations.

Oversight
& auditability

Dashboards for positions, balances and payment monitoring, with audit logs across payments and administration actions.

Interoperability

Operate via UI, integrate via external API, automate via WebDAV file-based exchange, and connect through standard rails and bank-specific channels.

Automation

Rules defined in the interface to automate recurring operational workflows, while retaining traceability.

Notifications
& alerts

Configurable alerts via in-app notifications, email, and mobile push, aligned to signatory matrices, operational events, and compliance triggers.

White-labelling &
multi-tenancy

Visual identity customisation with complete data isolation and independent configuration across client environments.

Regulated
operations

Operated under a support PFS licence, ISO/IEC 27001 certified, and delivered in a DORA-ready operational model, with hosting on DEEP/POST Telecom infrastructure in Luxembourg datacentres.

Access & integration

Three entry points, one control layer. Consistent governance, approvals and auditability.

Web interface

  • Operational dashboards and monitoring
  • Manual initiation and approvals
  • Exports for reporting and reconciliation

External API

  • Push/pull integrations for payments and reporting
  • Web hooks to allow external applications to react to events in real time
  • Designed for ERP/TMS connectivity
  • Combine with web-based approvals and oversight

WebDAV exchange

  • Secure file-based workflows
  • Natively supported by most ERP/accounting systems
  • Complements API- driven and UI-driven

Guided tour

Discover BKO

Discover the key features of our banks and accounts management platform.

Tenant settings

Manage your tenant easily, from user management to signatory rules.

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