Solution Library
AU · Sydney · APRA-regulated PPF · Make money move.™
Today · Payments Platform

How transactions move through Monoova today

Follow the money: where it lands, where it stalls, and where reconciliation friction hides the cost.

See future state
Reconciliation lag
3–5 days
Cash visibility
T+1 only
Operational FTE
4.5 heads
High-severity points
2 of 2
TodayMoney moves in batches
Mixed channelsCSV exportsManual entry
Source
Your business
Receivables + Payables
System
Fragmented
Multiple bank portals
Manual logins, batch files
Friction
Manual
Excel reconciliation
Daily, error-prone
System
Core systems
ERP / PAS / LMS
Talk track
  1. 1Most ANZ enterprises run payments across 3–6 disconnected bank portals, batch files and reconciliation spreadsheets.
  2. 2Switch to a customer preset to see a vertical-specific current state.

Friction map

2 pain points
  • Fragmented channels
    High

    Receivables and payables live in 3+ portals with no single view.

  • Manual reconciliation
    High

    Operations teams spend hours per day matching receipts.

What changes with Monoova
Replace every red arrow with a real-time, allocated, auditable rail.

Manual reconciliation, exception queues and batch disbursements collapse into a single API, with per-customer virtual accounts doing the matching at receipt.

Walk through the future state

Before → After

Quantified impact
Bank integrations
Today
3–6 portals
With Monoova
1 API
Consolidated
Settlement time
Today
T+1 to T+3
With Monoova
Real-time
Instant
Reconciliation
Today
Manual
With Monoova
Automated
99%+