Bank connectivity
Statements and payment files exchanged with each bank through agreed channels and formats.
Industry context
Treasury, payments and cash management in retail and e-commerce
We connect treasury platforms to your banks and ledger, so cash positions, payments and forecasts come from one controlled source.
Bank connectivity, payment controls and the link to the ledger carry most of the work on a treasury platform. We connect your banks, set up payment approval and fraud controls, and build the cash position and forecast your treasury team reviews each day.
Retailers trade on thin margins, with peaks around Ramadan, Eid and White Friday and customers who move between app, website and store in a single purchase. Merchandising, store operations and digital teams each own part of that journey, so we plan changes around the trading calendar. Payment formats and rails differ by market: UAEFTS and the Wage Protection System in the UAE, and SARIE and SADAD in Saudi Arabia, alongside each bank's own host-to-host and file standards.
We hand over with runbooks and training, and can stay on under agreed service levels.
Alongside sector regulation, we often map delivery evidence to cross-industry baselines such as the UAE Information Assurance Regulation issued by TDRA, the NCA Essential Cybersecurity Controls in Saudi Arabia and the NIST Cybersecurity Framework, which many risk reviewers already use.
What the work covers
We design, deliver and stay until operation is stable, with evidence your procurement and risk teams can rely on.
Payment controls
Approval limits, segregation of duties and screening applied to every outgoing payment.
Cash visibility and forecasting
Daily cash positions and forecasts built from bank data and the ledger.
Consumer and data rules
We design consent, returns and customer data handling around consumer protection rules and personal data law in each market, such as the UAE PDPL and the Saudi PDPL, with ZATCA e-invoicing requirements where Saudi sales are in scope.
Account and bank fee review
Accounts, mandates and bank fees reviewed, so the platform starts from a clean bank structure.
Payment fraud prevention
Beneficiary checks, call-back rules and alerts for unusual payments, agreed with finance and risk.
Signs you are ready to start
A treasury programme is ready to start when treasury, finance and IT agree which bank channels to use and who approves payments.
- The trading calendar and the change freezes around Ramadan, Eid and White Friday have been agreed.
- Treasury has listed the banks and accounts in scope and agreed payment approval limits.
- Each bank has confirmed the connectivity channel and file formats it supports.
Plan treasury, payments and cash management in retail and e-commerce
Share your current systems, compliance themes and timeline. We will return a phased plan, a staffing model and a risk register for your stakeholders to review.