Bramvia — Business Central Experts
Matching every bank line to its invoice, receipt or payment is one of the most repetitive jobs in finance. How it is automated, what is left for a person and why it makes your cash forecast reliable.
Short answer: the ERP imports the bank statement or feed and matches each line to its invoice, receipt or payment by amount, date, reference and name. AI helps with the hard cases: combined payments, incomplete references or amounts off by a bank fee. A person only reviews exceptions. At 1,500 bank lines a month, moving from manual matching to exception review saves around 15 hours a month.
Next step: see below how a cash position reconciled every day gives a reliable 13-week forecast.
The problem: matching line by line
Every morning someone downloads the bank activity and works out what each line is: a customer paying three invoices at once, a payment with a meaningless reference, a fee that throws the amount off. Until it is reconciled, nobody is sure what has been collected.
How it is automated
- Import the bank feed every day.
- Auto-match the obvious lines by amount, date and reference.
- Let AI propose the hard ones: one receipt for several invoices, a customer name spelled differently, a difference from a fee.
- Post receipts, payments and bank charges in one step.
- Leave the exceptions for a person, with the proposal ready.
What a person still does
Reviews doubtful proposals and resolves what has no match. What used to take a morning takes minutes.
A worked example
| Before | Automated | |
|---|---|---|
| Bank lines a month | 1,500 | 1,500 |
| Time per line | 40 seconds | 6 seconds (exceptions only) |
| Hours a month | 17 | 2.5 |
| Time freed | about 15 hours a month |
The exact figure depends on how many lines match on their own. With many direct debits or card settlements, nearly all of them; with many combined customer payments, AI makes the difference.
Why it matters beyond the time
With the bank reconciled daily, days sales outstanding and the 13-week cash flow forecast run on real data, and reminders stop going to customers who have already paid.
In Business Central
Business Central reconciles bank accounts with rule-based auto-matching and Copilot help to propose the hard cases. The rules are tuned to your banks and customers.
FAQ
Does it work with several banks? Yes, one feed per account with the same rules.
What about combined payments? They are spread across the customer's open invoices; anything uncertain stays as a proposal for review.
How much does it save? It depends on the number of bank lines. Run your numbers in the AI hours calculator.
Related: credit control and why month-end close is too slow.
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