AI Business Finance Manager
The 360-degree financial cockpit for SMEs gives your business customers complete visibility into their finances, eliminates the need for spreadsheets, and lets them focus entirely on their core business.
The 360-degree financial cockpit for SMEs gives your business customers complete visibility into their finances, and lets them focus entirely on their core business.
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The Finance Manager for SMEs
The AI Business Finance Manager by Contovista empowers financial institutions to strengthen their digital banking offering for SME customers. This intelligent finance cockpit offers transparency, control, and tangible added value.
With real-time data analytics, intelligent liquidity planning, and data-driven forecasts, the tool delivers a comprehensive 360-degree overview of all business accounts.
Banks empower their SME customers to actively manage their finances – while at the same time increasing advisory efficiency, uncovering new upselling and cross-selling opportunities, and strengthening their competitive edge in the digital space.
The cockpit for hyper-personalised business banking
With the AI Business Finance Manager, financial institutions unlock the full potential of transaction data and transform it into concrete value for their customers. Hyper-personalised analytics, AI-powered recommendations, and intuitive visualisations foster both clarity and trust.
From liquidity planning to cashflow forecasting, our solution delivers financial insights that truly matter – clearly structured, relevant and embedded directly into digital banking.
Instead of relying on Excel spreadsheets and fragmented data, business customers gain a powerful cockpit that minimises errors and reduces manual work. At the same time, banks gain access to valuable insights that can be seamlessly integrated into advisory processes.
Advisors can identify risks like liquidity bottlenecks early, act proactively, and tap into new revenue streams.
Benefits for your business customers
Automated categorisation
Transactions are automatically assigned to the right categories – with logos and “friendly names” for better readability. The result? A clean and understandable overview of all income and expenses.
Real-time cashflow analysis
Clear visualisations of incoming payments, outgoing payments and net flow provide immediate insights into the current financial situation. AI-based forecasts support better business decisions.
Predictive liquidity planning
All expected income and expenses are displayed in a consolidated view – enhanced by intelligent forecasting. Even users with limited financial knowledge can confidently plan and manage liquidity.
Hyper-personalised financial insights
Smart notifications about tax estimates, unusual transactions or liquidity shifts make company finances more transparent than ever – contextual, proactive, and easy to understand.
Understand
Dashboard and business analytics to better understand the financial situation
Coach
Liquidity planning and actionable insights for SMEs
Enable
Achieve financial goals & ensure business success
A 360-degree overview of customer behaviour
Switzerland’s Open Banking initiatives pave the way for multibanking. With the AI Business Finance Manager, SME customers can manage accounts from multiple institutions in one central location.
With all transactions consolidated in one place, the insights generated become more meaningful. Liquidity planning becomes simpler, smarter, and more strategic – across all accounts.
Banks benefit from a holistic customer view, enabling them to respond to needs more precisely and fully leverage cross- and upselling potential.
Supported interfaces include: EBICS, bLink (as of October 2022).
Intuitive insights, real answers
Thanks to generative AI, financial analysis becomes as intuitive as asking a question. Business users can enter their queries in plain language – no jargon, no filters.
he AI Business Finance Manager understands the question, analyses the relevant data in real time, and provides clear, context-sensitive answers. Example: “How much did I spend on social media last year?”
Complex transaction data is automatically turned into actionable insights – in compliance with data protection regulations, easily accessible and fully integrated into digital banking. This enhances both user experience and financial literacy.
Stay on top of recurring costs
Many businesses struggle to keep track of recurring subscriptions – often relying on manual Excel lists.
With the smart subscription overview in the Business Finance Manager, those days are over: active subscriptions are automatically detected, clearly displayed, and can be analysed for potential savings.
Your customers stay in control of recurring expenses – with no manual effort.
Not all your questions answered yet?
Do you have questions about our finance management and analytics solutions? Simply get in touch! We’re happy to help you.
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Andreas Lenke
Manager Strategic Projects at Thurgauer Kantonalbank
« With the personal financial assistant, we offer our customers great added value right from the start of the new portal and can, among other things, fulfil their wish for a clear and attractive presentation of their private finances. »
Christoph Wille
Head of Sales Channels and Member of the Executive Board at Valiant Bank AG
« With the Multibanking Service we are responding to the high demand from our business customers for a comprehensive overview of their accounts with Valiant and other banks. In combination with the BFM, we are offering an exclusive service in Switzerland, enabling SMEs to easily manage their finances and liquidity across banks. This represents a clear differentiating factor and strengthens our position as a modern SME bank. »
Dominik Gabler
Data Scientist at SZKB
« The solutions in analytics and machine learning make it possible to analyze and address individual customer needs and use the insights gained profitably. Contovista is an ideal partner and source of inspiration for Schwyzer Kantonalbank and regularly provides inspiration on how we can exploit untapped business potential in the digital world. »
Dr. Simon Youssef
Co-founder Neon
« As a young Fintech we were looking for a dynamic product and besides the clean API interface the fast and unbureaucratic cooperation with Contovista convinced us from the beginning. »
Fabian Marti
Head of Digital Solutions at Aargauischen Kantonalbank
« Digitization covers all areas of a company and is becoming increasingly important in the financial sector. With Contovista's financial assistants, we therefore offer our private and business customers modern extensions to the AKB portal. The services were immediately received positively by our customers and make digital banking even more personal »
Roland Zwyssig
Viseca Payment Services SA, Senior Advisor
« The cooperation with Contovista can help established financial institutions to introduce innovative services and functions faster. Viseca strives to play a pioneering role in the digitisation of credit cards and, together with partners from the Fintech sector, to create added value for both partner banks and credit card customers. »
