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Customer Experience & Operations
Match transactions across banks, POS, payment gateways, and internal systems automatically on one N-way reconciliation platform.
Match 2 to N data sources at once
Automatic hourly updates, no manual intervention
Ready for cross-border transactions
Modern financial operations rely on multiple transaction sources at once: POS systems, banks, payment gateways, accounting systems, and cross-border platforms. Manual reconciliation across these sources is time-consuming, hard to scale as transaction volume grows, and increases the risk of human error, audit failure, and compliance gaps. Institutions running their own internal systems often face additional challenges: inconsistent data formats across legacy systems, no standard transaction ID, and high-volume real-time payments such as BI-FAST.
HBM's Automated Financial Reconciliation addresses this with an N-way matching engine that compares data across multiple sources at once: banks, switches, payment gateways, and core banking automatically and on schedule. Every transaction is automatically classified as Full Match, Partial Match, Discrepancy, or Unmatched, with built-in liability consolidation across banks or business partners, freeing the finance team to focus on analysis instead of manual matching.
Matches transaction data across 2 to N sources at once (bank, POS, gateway, internal systems), with automatic detection of missing, mismatched, or duplicate records.
Schedule a demo or discuss your specific reconciliation needs with the HBM team.
Built for audit and compliance standards
Converts raw data from multiple formats (CSV, Excel, TXT, JSON) into a standardized structure, with built-in multi-currency and multi-language support for cross-border transactions.
Runs reconciliation automatically on a scheduled interval, keeping data continuously up to date without repeated manual intervention.
Automatically calculates net positions across banks or business partners, going beyond simple matching to support multi-party settlement.
Prepares validated transaction data for settlement by external systems while precisely calculating admin fees and commissions to prevent revenue leakage.
Generates detailed reports (summary, full match, discrepancy, audit trail, compliance) exportable for audit and management needs.
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