Rayterton Banking Cash Management (BCM) System

Built as an end to end cash management platform, the BCM System connects internal bank operations with a modern corporate portal, delivering real time visibility, straight through processing, and stronger control of liquidity and operational risk. It covers account and product setup, payment initiation and approval, collections, virtual accounts, cash pooling, reconciliation, reporting, and security in a single integrated stack.

Real Time Cash Visibility & Liquidity Control

Turn fragmented views of cash into one consolidated picture. The BCM dashboards give both bank teams and corporate treasurers near real-time visibility of balances, projected cash positions, and transaction queues across all operational, collection, and pooling accounts. By aggregating data from multiple banks and entities into a single, intuitive interface, decision makers gain a clear and reliable source of truth.

Key advantages

Unified cash position for every corporate, across physical and pooling accounts
Daily volumes, success and failure rates, and Service Level Agreement (SLA) alerts at a glance
Liquidity hot list to highlight key clients and structures that require attention
Direct drill down from summary widgets to transaction and account level detail

Seamless Payments & Digital Approval Journey

Key advantages

Single and bulk payment initiation from web portal, file upload, or host to host integration
Central payment hub that routes transactions to Real-Time Gross Settlement (RTGS), local clearing, internal transfer, or SWIFT based on product rules
Flexible approval matrix per customer, per transaction type, and per limit, synchronized between back office and portal
Real time status updates from queued to processed with clear rejection reasons and SLA alerts

Smart Collections with Virtual Accounts (VA)

Key advantages

Multiple VA schemes per corporate, configurable by customer, invoice, or project
Mass or individual VA issuance from the bank side with lifecycle control and suspense handling
Corporate portal reports for receipts per VA that plug into AR and billing systems
Stronger corporate retention through differentiated cash collection offerings

Automated Cash Pooling & Liquidity Optimization

Key advantages

Central configuration of pooling structures and parameters per customer
Automated daily pooling with clear success or exception logs for operations teams
Simulation tools on the corporate portal to test scenarios before committing to new structures

Reconciliation & Exception Management That Scales

Key advantages

Configurable matching rules per customer, product, and transaction type
Daily reconciliation results with clear separation of matched and unmatched items
Exception queues with classification, notes, and resolution history

Security, Compliance & Complete Audit Trail

Key advantages

Role based access control for both bank staff and corporate users across all modules
Dual control on sensitive operations such as payment override, limit changes, and cash pooling structures
Central parameter management for cut off, SLA, notification thresholds, and fee or limit rules
Comprehensive audit trail accessible to risk, compliance, and internal audit teams

Insightful Reporting & Corporate Portal Experience

Key advantages

Prebuilt dashboards for transaction volumes, SLA adherence, and product penetration
Customer level reports that help relationship managers identify cross sell and upsell opportunities
Cash and transaction reports tailored to treasurers, CFOs, and finance teams on the corporate side
Standardized data layer ready for integration with enterprise (Business Intelligence) BI, risk, and performance management tools

Ready to fully customize BCM System to your needs

Share your cash management operating structure, policies, and operational pain points. Rayterton will deliver a Banking Cash Management (BCM) system tailored to your end-to-end cash, liquidity, and payment processes ensuring standardized workflows, accurate account and transaction data, and real-time dashboards that give management full visibility and control over cash positions across the organization.

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+62 812 9615 0369

marketing@rayterton.com