From cashflow management and accounts payable automation to AML monitoring and embedded lending — 38 use cases for B2B fintech.
From cash flow management to accounts payable automation — open banking transforms how businesses handle money.
Real-time cash visibility and predictive forecasting across all your business bank accounts.
Automate bookkeeping, invoice reconciliation, and HMRC submissions using live bank data.
Automate corporate spend tracking and enforce real-time controls at the bank level.
Unlock faster, fairer credit using real business bank data instead of outdated credit files.
Automate KYB, AML monitoring, and audit trails using live verified bank data.
Turn transaction data into strategic intelligence — from CLV modelling to churn prevention.
Every validated B2B use case across treasury, accounting, lending, compliance, payments and analytics.
Predict future balances using ML on transaction patterns to prevent insolvency and enable better capital planning.
Single dashboard for funds across all business accounts — eliminates manual reconciliation and reduces FX risk.
Auto-sweep surplus cash to high-yield accounts to maximise returns on idle funds.
Track real-time multi-currency cash positions across business accounts to manage foreign exchange risk proactively.
Centralise and automate cash visibility across all accounts — real-time inflows, outflows and projected balances to prevent shortfalls before they happen.
Sync bank transactions directly to Xero/QuickBooks — eliminates manual data entry and reduces errors.
Pre-populate HMRC and tax returns with bank data to save hours and reduce penalties from errors.
Auto-match incoming payments to outstanding invoices to reduce Days Sales Outstanding (DSO).
Auto-match supplier invoices to outgoing bank payments, flag duplicates and schedule disbursements — eliminating manual AP processing and cutting payment errors.
Monitor incoming payments against outstanding invoices in real time — auto-reconcile receipts, reduce DSO and proactively chase overdue accounts using verified bank data.
Confirm payroll payments via bank transaction audit trail to eliminate payroll discrepancies and disputes.
Auto-reconcile card spend against bank statements to reduce finance team workload by 60–80%.
Set employee spending limits enforced at bank level to prevent budget overruns instantly.
Analyse supplier payment patterns to surface early-pay discount opportunities and optimise working capital.
Loan sized and repaid as a percentage of monthly revenue for flexible repayment with no fixed instalments.
Advance cash against outstanding invoices using bank data to improve cash flow without debt.
Instant credit decisions for SMEs in cash flow crisis — survival capital in minutes not weeks.
Extend financing to suppliers based on buyer bank data — strengthening supply chain resilience.
Batch wage payments via open banking rails at lower cost than traditional payroll bureaus.
Instant payouts to sellers and contractors via A2A to improve platform retention and reduce float.
Auto-trigger supplier payments on invoice due dates using open banking payment rails — zero manual processing.
Verify business via live bank account ownership for faster onboarding and reduced fraud.
Detect suspicious patterns across connected accounts to reduce regulatory fines and automate SARs.
Assess real-time financial health of business partners before extending credit or entering contracts.
Immutable open banking transaction logs provide verifiable audit evidence for FCA and HMRC inspections.
Model CLV using real spending behaviour to improve marketing ROI with data-driven targeting.
Detect financial stress signals before a churn event to enable proactive customer retention.
Trigger personalised product offers at the moment a customer's bank data signals the right affordability window.
Offer A2A payment as card alternative to save 1.5–2% in interchange with no chargebacks.
Offer instalment credit only when affordability is confirmed to reduce bad debt and increase approval rates.
Let employees draw earned wages before payday to reduce financial stress and improve retention.
Verify employee salary and income in real-time via bank data — replacing payslip requests in onboarding.
Verify tenant business revenue before lease signing to reduce commercial rent defaults.
Verify revenue loss claims for business interruption insurance using verified bank transaction history.
Aggregate balances across group entities for interest offset, reducing net borrowing costs at group level.
Use open banking data to underwrite import/export trade credit, speeding up cross-border commerce funding.
Cross-reference business bank accounts against sanctions lists and politically exposed person databases in real time.
Compare business spending and revenue patterns against anonymised industry peers for strategic positioning.
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