Multi-bank payment workflow
Create, review, approve, schedule and monitor payments through governed maker-checker workflows rather than separate bank-specific processes.
Treasury Operating Layer
API / Host-to-Host ReadyOne finance workspace across banks and ERP.
Multi-BankOne controlled access layer
Real-TimeBalances and transaction visibility
WorkflowRole-based approval controls
AutomatedStatements and reconciliation feeds
Payment & Treasury ActionsUnified finance workflow
Vendor PaymentERP-approved payment batchApproval
Bank TransferLocal / international transferReady
SADAD / BillsGovernment and bill paymentQueue
Bank VisibilityAcross connected accounts
BalancesCurrent account positionsLive
TransactionsDebit / credit inquirySynced
StatementsScheduled retrieval and downloadReady
The Business Problem
Replace fragmented bank portals and manual treasury work.
Finance teams often consolidate cash positions in spreadsheets, sign into separate bank portals, repeat approval processes and manually reconcile transactions across multiple accounts. Zollal Bank Integration & Treasury Automation creates a single operating layer between banking services and the ERP or accounting environment.
The result is faster financial operations, stronger approval control, better cash visibility and less manual reconciliation.
Core capabilities
Multi-Bank Connectivity
Connect multiple financial institutions through secure API, host-to-host or supported integration patterns while keeping finance users inside a consistent operating process.
Payment Creation & Management
Create, schedule, consolidate and execute vendor, transfer, government and other payment workflows from a controlled finance layer.
Role-Based Approval Workflows
Route payments through configurable maker-checker, finance and CFO approval stages with clear status and accountability.
Real-Time Balance Visibility
Consolidate balances across connected accounts to give treasury and finance teams a faster view of available cash positions.
Incoming & Outgoing Transactions
View, classify and track inbound and outbound bank transactions from a unified interface rather than separate bank portals.
Bank Statement Retrieval
Request, receive and download statements through controlled processing, including scheduled or on-demand retrieval where supported.
Automated Reconciliation Feeds
Exchange bank transaction and statement data with ERP or accounting systems to reduce spreadsheet-based matching and manual reconciliation.
Dashboards & Treasury Reporting
Provide consolidated operational and cash-management views for finance leaders without relying on fragmented bank reports.
From ERP transaction to approved bank action.
1ERP / Finance SourceOracle, SAP, Dynamics or accounting system
2Payment PreparationClassify, validate and assign bank/account
3ApprovalRole-based maker-checker / CFO workflow
4Bank ExecutionSubmit through supported bank connectivity
5Status & InquiryTrack result, balances and transaction status
6Statement & ReconcileReturn bank data to finance/ERP processes
Designed to sit alongside the ERP—not replace it.
The integration layer can exchange data with enterprise finance and accounting environments through APIs and supported integration methods. The source presentation specifically demonstrates Oracle-based finance workflows and positions the solution for integration with Oracle, SAP, Dynamics and other systems.
OracleSAPDynamicsERP / AccountingBank APIsHost-to-HostSADADReconciliation
Typical finance use cases.
Corporate Treasury
Consolidated cash visibility, balances, transaction inquiry and statement management across multiple company bank accounts.
Accounts Payable Payments
Move approved ERP obligations into controlled payment workflows with status returned to finance teams.
Government & SADAD Payments
Support bill-payment workflows and associated approval/control processes where bank interfaces provide the required services.
Shared Services & Multi-Entity Finance
Standardise payment and banking workflows across entities, business units and finance teams.