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
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
Operational dashboard & action centre
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
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
Payments
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
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
Bank account management
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
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 & statements retrieval
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)
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
Signatory management
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
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
Counterparty management & KYC integration
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
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
Securities accounts
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
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
Cash management automation
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
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 & fee collection
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
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
Depositary oversight
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
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 e-invoicing
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.
- Dashboard
- Bank accounts
- Payments
- Counterparties
- Cash concentration
- Depositary oversight
Tenant settings
Manage your tenant easily, from user management to signatory rules.
- Risk management
- User management
- Signatory rules
- Settings approval
Ready to innovate and tailor solutions to fit your needs?
Let’s connect and explore what we can create together.