Transform your corporate financial management
In-House Banking
Unify and reconcile your financial operations without the need for capital investments in technology or licenses.
Picture this: streamlining and consolidating your financial operations, all without the hefty upfront investment in complex technology. COMO Digital Life’s In-House Banking (aaS)* revolutionizes corporate finance, delivering a powerful system to help you manage cash flow and optimize operations across your entire organization.
Build Your In-House Banking Capabilities
Take full control over cash management, consolidating financial assets, and maximizing efficiency while significantly reducing banking and operational costs. With centralized control, a single treasury-managed settlement account links seamlessly to multiple virtual accounts, ensuring streamlined operations for all subsidiaries.
Power Your Treasury Management
Centralize treasury functions like cash, liquidity, payments, FX, and risk management across all entities, creating an efficient and unified treasury system. Automated handling of inbound, outbound, and inter-company payments, alongside precise reconciliation, ensures smooth, error-free transactions.
Easily Transfer Funds Between Subsidiaries
Effortlessly manage intercompany flows, simplify financing, and pool cash across all entities, currencies, and jurisdictions. Automated fund allocation structures, such as zero or target balancing, help optimize fund usage across your organization.
Visualize Your Entire Business
Gain a unified, real-time view of your financial landscape through COMO’s Single Truth Finance, a central source of financial data across your organization.
Monitor Limits and Control Finances
Set custom alerts to oversee each entity’s financial activities and avoid overages with our robust limit management features, designed to maintain control at every level.
Enhance Cash Forecasting (Coming 2025)
Gain powerful forecasting capabilities through AI-driven analytics that provide accurate cash flow predictions by analyzing payment behaviors and financial interactions. This insight enables proactive and informed financial planning.
Centralize and Optimize Your Corporate Financial Operations
Elevate Your Financial Management
Experience the revolution
Consolidate 100% of accounts and transactions across all your companies and locations, covering cash and liquidity management, FX and risk management, and multi-entity, multi-currency payments.
COMO connects with your ERP systems—no migration required, scaling with your business while ensuring top-tier performance and security. Automate processes and streamline transaction workflows to reduce errors, save time, and lower operational cost.
Gain full visibility into your financial activities with multi-level approval processes based on transaction type, amount, and risk, enhancing trust and governance. Tailored dashboards and data visualization tools deliver real-time insights into cash flow across your organization, enabling smarter decision-making.
Designed for all users, from Treasurer, and CFOs to auditors, the system offers dynamic filtering, personalized views, real-time notifications, and collaboration tools like alerts, chat functions, and note-taking to streamline complex financial tasks.
Extensive real-time monitoring and management minimize exposure to market volatility, including currency exchange fluctuations. Benefit from human support and regular software updates to keep your financial operations innovative and effective.
Direct API Access
Ideal for businesses that manage their operations directly, this integration grants direct access to multi-currency IBAN accounts. It's perfectly suited for enterprises that handle multiple currencies and require seamless financial transactions across borders.
Embedded Banking API
Designed for businesses that wish to offer branded banking services alongside their existing products. This solution enables your clients to utilize multi-currency IBAN accounts effortlessly. It includes comprehensive services such as KYC/B procedures and client onboarding, all without the regulatory complexities typically associated with financial services. This option extends your abilities, allowing you to provide enhanced value to your clients while maintaining your brand identity.
Web-based Access
Clients can access our services directly through our secure web banking platform, ensuring convenience without compromising security. Our platform features strict multi-factor authentication (MFA) protocols and robust security measures, providing peace of mind for all our clients.
Choose the integration that is right for your business
Discover our currency capabilities
Download the full list of available currency pairs
Your peace of mind:
our priority
Five-star client support
Any questions? You don't have to talk to a chatbot—we are human! Our experts are here to help you breeze through currency and cross-border complexities. Every step of the way.
Fast and reliable
Get the most out of your online payments and collections. COMO Digital Life delivers your payments as fast as possible.
Connect with your ERP
Your insights, based on reliable and real-time data
Accurate data transfer of financial transactions and reports within your business software.
Maximize value-added data to respond effectively to regulatory issues, improving risk assessment.
Save time and drive business decisions with a full report of all payments and transactions.
The magic of COMO
360º VIEW OF YOUR CASHFLOW
Take control of business efficiency with smart reconciliation and tech-driven analytics. View all your currency accounts, liquidity and more in real time, in one place.
In-House Banking integrates sophisticated financial functions directly within your company’s ERP system, giving you control over essential financial processes. With COMO, streamline and elevate your corporate financial operations for a smarter, more efficient way to manage finances.
Our IHB automates core financial tasks, provides real-time insights, and ensures regulatory compliance. Paired with our Virtual Account Management (VAM) and advanced treasury capabilities, it offers unmatched flexibility in managing funds, optimizing cash flows, and precisely tracking account activity. The result is improved efficiency, cost savings, strategic cash management, and better decision-making.
Absolutely. COMO’s IHB is highly adaptable, allowing you to customize features, reporting, and interfaces to meet your unique business requirements. Our team collaborates with you to ensure the solution aligns seamlessly with your financial goals, empowering your operations with flexible, strategic tools.
In-House Banking: Designed for businesses wanting complete control over their financial processes. This solution lets them build an internal financial infrastructure for managing complex treasury operations with virtual accounts and vIBANs, payments, FX, and more. It’s ideal for businesses that need full control over their financial activities without relying on third parties.
Embedded Finance: This option allows businesses to offer financial services directly to their customers, branded in their name. It aims to enhance customer loyalty and generate additional revenue but doesn’t provide control over detailed treasury functions. Instead, it’s a simpler, client-focused solution for offering branded financial services like accounts or payments.
Integrating with COMO means more than technology—it’s a partnership built on understanding your business and empowering your growth. With our innovative solutions and dedicated support, we turn your financial operations into a strategic asset, fueling efficiency and success every step of the way. Join us and make your financial infrastructure a true driver of value.
*In‑House Banking by COMO creates a single, intelligent financial environment where payments, cash management, and treasury work in sync. Built on secure, connected infrastructure, it provides the clarity, control, and efficiency to navigate complexity and scale with precision. Replace your numerous physical accounts with a streamlined system of virtual accounts and virtual IBANs to enhance cash visibility and automate reconciliation, reducing manual work. With your customized setup and multi‑currency COBO structure, centralize all your payment flows and foreign‑currency collections across multiple legal entities. Optimize group liquidity. One environment. One view. Switch it on - NOW.