Qorus Banking Innovation Awards 2023

Painel PJ, a BFM solution

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20/09/2023 Banking Innovation

About

This innovative solution initiates and presents, in an intuitive and consolidated way, all payment and receipt information from SMEs. The solution provides information on the origin of the various payment and receipt methods used by customers. All this information will allow business owners a more objective financial view of the present, in addition to supporting the company's future decisions in a graphic and user-friendly way. The customer can also opt for an additional service to easily see all their card sales and the fees they are paying for each modality. Sales on delivery apps, e-commerce or any machine you use, all in one place.

Innovation presentation

The Painel PJ solution is a platform that facilitates the management of the business of BB corporate customers.

It has free services such as: monitoring sales and receipts by bank slip, Pix and card in an uncomplicated way that help organize accounts and control the company's finances, with an intelligent view of the entire cash flow, including an multibank view, if the customer share data from their other banks with Banco do Brasil.

In this solution, customers can contract the additional card reconciliation service, with the aim of seeing all sales made with credit cards and the fees being paid in each modality.

In a panel with multiple card machine companies, in addition to financial organization and time savings, users have greater control over the rates charged by card machine companies and can completely monitor the reconciliation of all payments for their sales (debit, credit and by flags).

Functionalities:

Company cash flow up to date: Monitor inflows, outflows and the current situation of the company's cash flow

Balances from all banks: With Open Finance, the entrepreneur has the balance of all the company's accounts without having to switch between different applications and websites

Cash Flow View to assist management: Check expenses payable and amounts receivable

Reconciliation of sales made with credit cards: centralized reconciliation of sales from any card machine on the market, whether debit or credit, which allows for improved control of business cash flow.

Uniqueness of the project

It is an innovative and unique solution in the Brazilian market.

It provides SMEs with better management of their cash flow, reducing costs with third-party platforms and avoiding losses due to complexity in controlling multibank expenses.

BB is a pioneer in this card sales reconciliation solution, one of the main concerns of small businesses. These often have difficulties accessing customized solutions on the market, especially due to the high cost of these tools and the scarcity of specific labor for this service, common in small companies as they hire fewer employees.

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