Modernize cash management with SAP Fioneer’s Virtual Account Management (VAM). The single solution for corporate, SME, and retail clients to automate reconciliation, gain real-time liquidity insights, and reduce manual work by 60% through high self-service for your customers. Deployable in as little as 120 days, scalable and compliance-ready, virtual accounts helps banks cut costs, grow revenue, and boost customer loyalty.
growth in average revenue per customer
reduced Total Cost of Ownership (TCO)
conversion uplift for winning new mandates
self-service customer journeys
SAP Fioneer’s Virtual Account Management solution combines real-time cash visibility, automated workflows, and self-service tools into one agile platform. Our solution helps transform fragmented financial operations into streamlined processes. From instant fund allocation to automated reconciliation, clients gain real time control over their finances – whether managing global subsidiaries, scaling a growing business, or optimizing personal savings.
Support treasury in their role as strategic advisors with real-time cash visibility across entities, currencies, and borders – driving efficiency and control. Utilize AI-powered reconciliation automation to boost efficiency, accelerate turnover, and unlock working capital. Built-in notional pooling improves yield on cash, while self-service tools reduce costs for both clients and the bank.
SMEs use your bank’s Virtual Account Management to manage client funds, automate reconciliation, and optimize working capital. The pre-configured templates simplify setup for use cases like legal client accounts or vendor payments so your bank becomes a trusted partner. Offer efficient, compliant tools that cut manual work and improve cash control.
Simplify money management for retail customers with virtual accounts tailored to everyday needs—from budgeting to saving. Let users segment funds for rent, bills, or goals, track spending in real time, and automate transfers. With intuitive self-service tools and real-time visibility, banks reduce service costs while deepening engagement and loyalty through personalized, flexible banking experiences.
Track and manage funds instantly across accounts—whether personal budgets, SME cash flows, or corporate structures. Real-time replication and consolidation provide control without the complexity of multiple physical accounts.
Allocate incoming payments faster with AI-driven reconciliation. Reduce errors and manual work with Virtual IBANs and smart routing. Based on user controlled rules, payments can also be split across different virtual accounts.
Build scalable hierarchies for complex organizations, dynamic projects, or personal goals. Customize rules and interest conditions to align with evolving needs.
Get a single view across wallets, business units, or subsidiaries. Automatically track internal flows in real time—like fund transfers between branches or savings across accounts—to optimize working capital and control.
From mobile users tracking personal spending to finance teams managing complex setups, everyone gets a seamless experience. A branded interface and user-specific access make financial management intuitive.
Let clients manage accounts effortlessly using bulk uploads, instant limits, or workflow adjustments. Reduce back-office strain while boosting autonomy.
Deploy fast and start realizing value immediately after launch – all while staying fully integrated with your core and reducing IT complexity.
Track and manage funds instantly across accounts—whether personal budgets, SME cash flows, or corporate structures. Real-time replication and consolidation provide control without the complexity of multiple physical accounts.
Allocate incoming payments faster with AI-driven reconciliation. Reduce errors and manual work with Virtual IBANs and smart routing. Based on user controlled rules, payments can also be split across different virtual accounts.
Build scalable hierarchies for complex organizations, dynamic projects, or personal goals. Customize rules and interest conditions to align with evolving needs.
Get a single view across wallets, business units, or subsidiaries. Automatically track internal flows in real time—like fund transfers between branches or savings across accounts—to optimize working capital and control.
From mobile users tracking personal spending to finance teams managing complex setups, everyone gets a seamless experience. A branded interface and user-specific access make financial management intuitive.
Let clients manage accounts effortlessly using bulk uploads, instant limits, or workflow adjustments. Reduce back-office strain while boosting autonomy.
Deploy fast and start realizing value immediately after launch – all while staying fully integrated with your core and reducing IT complexity.
“Virtual account management offers endless possibilities […] from mimicking company structure […] to account reconciliation.”
Central Product Owner, Global Cash Management at ING
In this webinar on demand, we delve into the current trends and challenges in corporate banking, the transformative potential and benefits of VAM, experiences from ING in implementing virtual accounts.
Strong cash management is a sign of resilience but corporate treasury needs have evolved significantly. Learn the 7 signs that your cash management solution is due an upgrade.
Physical accounts are expensive and remain too static in today’s agile corporate world. Learn how virtual accounts provide more visibility and flexibility to the changing landscape of corporate clients.
Corporate banks need to stay relevant and meet the evolving demands of their clients to avoid the risk of being replaced. Learn how the world’s top banks use Virtual Account Management to enable innovation for their corporate clients.
