Treasury control: all your accounts and a 13-week cash forecast
Balances from all your banks in one view, anything that does not add up flagged, and the cash forecast on demand. The agent only reads: it does not move money.
The problem
“How much money do we have today?” sounds like an easy question. With several accounts in several banks, answering it means logging into each one and adding up. “And how much will we have in two months?” is already a spreadsheet someone updates when they can.
It happens to finance directors and managing directors in any company with more than one bank, recurring payments and taxes that all fall due at once. Meanwhile a bill that creeps up or a duplicate charge goes by unnoticed.
How it is done today
Someone logs into each bank separately, downloads the transactions and matches them by hand. The cash forecast lives in a spreadsheet that is out of date the day after it is updated. Odd charges are found, if they are found, when the quarter is reconciled.
The cost goes beyond the time spent. It is deciding on a figure from two weeks ago.
How we solve it
- It gathers the balances of all your accounts: banks with a direct connection, aggregated accounts and, for those without one, the latest statement you drop in. Each balance carries the date of its data.
- It separates immediate liquidity from money held in funds: it can be redeemed, but it is not cash.
- It goes through the transactions and flags what is unusual: duplicate charges, a new counterparty, an amount out of the ordinary for that supplier and recurring bills that go up.
- If a known supplier shows up with a different bank account, that goes first: it may be payment-diversion fraud and needs confirming by phone before paying.
- It works out how long each client takes to pay and when each outstanding payment can reasonably be expected.
- It builds the 13-week cash forecast in two scenarios, the normal one and one with payments arriving late, including the taxes expected from the tax calendar. It names the first week in which cash would drop below your buffer.
- With all of that it answers the question that matters: how much is really surplus, counting the payments ahead.
Result
13weeks of cash forecast, on demand
In our own company, treasury is checked with one question: how much do we have today and how much is surplus. The answer comes with every account added up and the forecast up to date, without logging into any bank.
What it takes
Timeline
It depends on how many banks you have and how each one allows connections. Those with a direct connection come first; the rest, through statements. The exact timeline comes out of the assessment.
Data and access
View-only access to your accounts, which you authorise yourself at each bank. Statements from banks without a connection. And two decisions of yours: the buffer you want to keep and the amount above which you want to be alerted.
Your tools
Your banks, through their direct connection or through statements in Norma 43 (the Spanish bank statement format) or CSV. Your invoicing tool, to know which payments are outstanding. You do not have to change banks.
How it is built
The analysis is not done by the AI model. It is done by a deterministic program, with no network access and with its own tests: the same transactions always produce the same alerts. The AI gathers the input and explains the result.
Between the banks and the AI sits a pseudonymisation gateway. It is the only thing that touches the accounts, and it hands over codes instead of names, account numbers and descriptions. The model sees amounts, dates and codes, nothing else.
The report with the real names is put back together at the end in a private folder the AI cannot read.
The connection to each bank is read-only by design: the payment operation does not exist. Banks without a connection come in through Norma 43 or CSV statements, without counting twice an account that arrives by two routes.
Every alert has a stable identifier. What a person has already marked as explained is not asked again, and each analysis is stored with its date so it can be compared with the previous one.
Frequently asked questions
Can the agent make payments or transfers?
No. The connection to the banks is read-only and does not include the payment operation. Any movement of money is made by you, at your bank.
Does the AI see my account numbers and my clients' names?
No. A gateway replaces them with codes before they reach the model. The report with the real names is put back together afterwards, in a folder the AI does not read.
What about banks with no direct connection?
They come in through their statements, in Norma 43 or CSV. The balance of those accounts is the one in the latest statement, and the view says so with its date.
Does it tell me where to invest the surplus?
No. It says how much money you will not need, counting the payments ahead. What to do with it is your decision.
What does Julditec do?
We implement the agent, adapt it to your company, train your team and maintain it. The day-to-day work is done by the agent; deciding and moving the money stays with you.
Related automations
Collections
Overdue invoices, who has not paid and the reminder already drafted.
Taxes
Every return your accountants prepare, recalculated box by box with your data before you sign.
Part of Finance and tax