Industries
Finance and fintech
In finance, an unreconciled transaction is not a technical detail: it is an accounting discrepancy. The rigour of the data model matters more than anything else.
Stakes
What weighs on the trade
- Reconciliation between movements and ledger entries
- Traceability and retention requirements
- Detection of abnormal operations
- Service availability during peaks
Critical operations
What must not stop
- Recording of transactions
- Matching and reconciliation
- Threshold and limit checks
- Periodic close
- Regulatory and internal reporting
Why digitalise
What technology changes here
A financial system is judged on its ability to explain a balance. Every movement must be traceable to its origin, immutable once validated, and correctable only through a traced reversing entry.
What can be automated
- Automatic matching of movements against statements
- Consistency checks and alerts on discrepancies
- Generation of periodic statements
- Reminders on due dates and unpaid amounts
- Calculation of commissions and fees
Capabilities
What we put in place
Software
- Portfolio and outstanding-balance management platforms
- Matching and reconciliation engines
- Client portals with history and documents
- Control and approval back office
- Financial management dashboards
Data
- Outstanding balances, arrears and recovery rate
- Breakdown of flows by channel and by product
- Anomaly detection on amounts and frequencies
- Close and discrepancy indicators
Artificial intelligence
- Detection of atypical operations through behavioural analysis
- Extraction of information from supporting documents
- An assistant answering first-line client questions
Integrations
- Mobile payment operators and aggregators
- Banking systems and standard exchange formats
- Accounting software
Security
- Immutable entries, corrected only by traced reversal
- Strict separation of duties between entry and approval
- Encryption of sensitive data and of integration secrets
- A full audit log with long-term retention
- Rate limiting and idempotency checks on payment callbacks
Our approach
A typical path in this sector
Accounting model
The data model and the posting rules are validated before any interface is built.
Reconciliation
Putting automatic matching and discrepancy handling in place.
Service opening
Supervised rollout with volume limits raised gradually.
Audit
An independent security review before scaling up.
Related services
The services we bring in
Africa Tech Services
A project in the Finance and fintech sector?
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