
Driving closer digital banking relationships
Financial institutions must offer customers a digital core banking experience that meets their changing and growing needs in order to meet their rising expectations. We have deeply analyzed SMEs digital banking experiences and needs in detail to build the most engaging Business Financial Management platform.
Full Control Over Your Payment Cycle
Matching banking accounts views with AR/AP reconciliation for an effortless control.
Personalized Insight Solutions
Focus on your business growth thanks to personalized advice about the next best action to take.
Effective Forecasting
Gain peace of mind with automatic and accurate forecasting detecting patterns and AR/AP predictions.
Full Control Over Your Payment Cycle
Personalized Insight Solutions
Effective Forecasting
Transforming the SME customer experience
Help SMEs succeed with business financial management and planning services
Providing smarter control over business financial management
SMEs can easily track finances, third party information data, manage AR/AP, and schedule transactions with personalized insights and notifications.
Dashboard
Financial Analysis
Budgets
Transactions Details

Dashboard
With the 360º overview that provides an instant snapshot of business performance, SMEs gain smart control over their finances.

Financial Analysis
Through data normalization and enrichment, SMEs are able to check their incomes and expenses distribution and even re-categorizing their transactions to add more granularity.

Budgets
Create budgets to curb expenses. Our engine calculates the average annual expense so users can decide how much they want to save.

Transactions Details
Detailed view of each categorized transaction actionable through search, edit, add tags, and the possibility to split transactions for easier management and customization.
Provisioning
Help SME’s achieve their financial goals faster and more efficiently. From next the Christmas party to VAT predictions and Marketing events.

Financial Calendar
Using an interactive heat-map, you can visualize your spending behavior on a daily, monthly or yearly basis.

Schedule Transactions
Track recurring payments such as subscriptions and enable proactive anticipation of any repayment issues.

Personalized Insights
Focus on relevant actionable notifications based on your behavior so you can make better financial decisions.

Allow to plan ahead for better business focus
SME owners can visualize their incomes and expenses and understand their cash flows by tracking historical, actual inflows and outflows using enriched data.
Provisioning
Financial Calendar
Schedule Transactions
Personalized Insights
Boost growth and optimize your business management
Together with Open Hub, SME can take full control over the payment cycle with AP/AR management and monitor their top debtors and top customers according to payments information.
Invoice reconciliation
Cash Flow Forecasting
Top Clients and Suppliers exposure

Invoicing
Take full control over your payment cycle with AR/AP management, from invoice creation to the reconciliation process. Monitor your AR/AP payments status and create receipts from scratch. Integrate with 3rd party invoicing providers Quickbooks, Sage or Xero.

Cash Flow Forecasting
By analyzing past behavior, machine learning techniques can be applied to predict future cash flows.

Top Clients and Suppliers
Get a list of your top 5 customers/debtors based on total invoice amounts and total paid or unpaid, for a selected time period.
Companies all around the world boost their business with our BFM software solution
Creating a Personalized Experience Tailored To Real Needs
STEP 4 Business is the first fully-fledged digital marketplace of products and services designed for SMEs, in “Amazon Style”.
BENEFITS
We understand data to empower customers’ knowledge
Enhance Real-Time Data
Build dynamic dashboards, forecasts, and scores based on real-time data.
Exploit Open Finance
Collect new data sources such as AR/AP.
Avoid Disintermediation
Minimize churn, making online banking the primary option.
Unique View
Transactional and AR/AP in a single view with a seamless navigation interface.
Fast Receivables
Be on top of clients and supplier through payables.
Effective Management
Manage your cash flow and accounting easily and effectively.
BFM
Engager
Digital Banking relationship with your SME customers
BFM and Engager provide business owners with actionable and personalized insights to address their operational issues on time.

Making the most out of provided insights to boost growth.
- Generate no-code custom insights for your SMEs.
- Offer real-time and tailored solutions.
- Obtain a complete overview of your customer’s activities.
WHY CHOOSE US
We are a Global Leader with a proven track record in the Fintech industry

Unrivaled service model for all sizes
Our solutions can be consumed via SaaS on private cloud for EU, on AWS for US, multi-cloud or legacy systems.

Data analytics at the core with real-time technology
Leverage ML categorization enrichment engine and analytics model to detect real time events based on customers behavior.

Top skilled people sharing their expertise
Our professionals will support you during solution design, implementation and after go live phase.
Ask an Expert
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