This document discusses a partnership between a bank and a fintech company to improve cash forecasting and working capital management for customers. The fintech, Cashforce, provides a cash and treasury management platform that integrates with various ERP systems to import customer, vendor, invoice, and payment data. It uses this data and "out-of-the-box" cash flow logics to generate accurate cash flow forecasts. The partnership aims to enhance customers' cash forecasting and working capital analytics through Cashforce's platform and tools for order-to-cash, purchase-to-pay, and days of sales/payables outstanding analysis.

1. BEYOND THE HYPE – A “TRUE” PARTNERSHIP WITH A “TRUE” FINTECH
&

2. Rethinking the banking UX through new Customer Journeys

3. Cash Forecasting : a top priority for more than a decade

4. Customer Journey #1 : I want to improve my working capital

5. What is ?
*Best-in-class & award-winning technology
- Best Practice in Working Capital - CFO magazine
- European Fintech Awards – Nomination
- …
Cashforce is a ‘next-generation’* Cash & Smart
Treasury Platform, focused on automation and
integration.
• Team of Cash flow & IT specialists
• Offices in BE, NL & US
• Customers are large to mid-size global
enterprises
• Backed by Techstars Ventures (US), Volta
Ventures & Pamica (BE)
Some of their references – Users in over 120 countries

6. A few notes on ERPs
The ERP market is dominated by a few big players:
Yet there are many ‘smaller’ NICHE players:
These often have a focus on specific industries, regions, the size of the organization, etc.
ERP Market & Context
Cashforce connects to and integrates with all ERP systems within an
organization. We have ready-built connectors for most of the well-known
ERP solutions that will load relevant ERP data automatically into
Cashforce.
Relevance for Cashforce
ERP Systems
Cashforce
connector
Cashforce will import different data elements from these ERPs:
Client Master
Data
Vendor Master
Data
AR Data
(Invoices & Orders)
AP Data
(Invoices & Orders)
General Ledger
Entries

7. Seamless data integration

8. Working Capital Management
Business Questions
Order to Cash
 My DSO is rising – How do we prioritize my credit controlling
procedure ?
 Which are my important customers and is their payment behavior
evolving ?
 Which working capital improvements can be achieved if we lower
DSO by … ?
Purchase to Pay
 What is my DPO per entity, per vendor ?
 What are my most important vendors ?
 Do we get competitive payment terms ?
 How well do I pay my vendors ? Do I take advantage of offered
discounts ?
 Inventory…

9. “Out-of-the-box” cash flow logics make forecasts accurate

10. Contact?
Vincent Marchand
Head of Fintech Lab
Global Cash Management
BNP Paribas
Tel: +32 (0) 470 19 68 33
@: vincent.marchand@bnpparibas.com

11. ScreenshotsSome screenshots
11

12. Actuals - Cash flow driver analysis - Example
12

13. Cash flow forecasting – Example 1
13

14. Cash flow forecasting – Example 2
14

15. Forecast vs Forecast - Example
15

16. Working Capital Dashboard – Click to drill-down
16

17. Order-to-Cash Dashboard – Click to drill-down
17

18. Analysis - Days of Sales Outstanding – Unlimited segmentations
18

19. Analysis - Customer Payment behaviour
19

20. Analysis - Customer Payment Terms
20

21. Analysis - Vendor Payment Terms
21