Finance Automation, built for Vietnam
One AI-native platform for the full finance workflow — capture, validate, match, approve, pay, close and forecast — that lives alongside MISA, Business Central, NetSuite and every major Vietnamese bank.
The problem with today's finance stack
- Manual invoice entry consumes AP teams.
- 3-way matching lives in spreadsheets, not the system.
- Approvals sit in email threads.
- Cash-flow forecasts are refreshed monthly, at best.
One platform for the whole workflow
BancoOS captures every invoice the moment it arrives, validates it against GDT, matches it to PO and goods receipt, routes exceptions to approvers, executes payment and posts the result to your ERP — with cash-flow forecasting rebuilt in real time. The same platform runs the receivable side, so both halves of the ledger share tenant isolation, audit and fiscal periods, and close on the same calendar.
Capabilities
- AI document capture with per-field confidence.
- Automated 3-way matching across PO, GR and invoice.
- Configurable approval workflows with four-eyes controls.
- Vietnamese bank payments and reconciliation.
- 13-week cash-flow forecast, updated in real time.
- AI Copilot for finance queries.
- Customer invoices, receipts, aging and collections, on the same audited ledger.
Business benefits
- 70–85% reduction in AP touch time.
- Day-close instead of week-close.
- ±3% forecast accuracy at 13 weeks.
- Zero missed GDT validation.
Use cases by industry
- Manufacturing: high-volume supplier AP, multi-site 3-way matching.
- Distribution: vendor rebates, freight invoices, DC reconciliation.
- Retail: store-level AP, merchandise invoicing.
- Financial services: vendor AP, treasury, reconciliation.
Architecture & workflow
Integrations
MISA, SAP Business Central, Oracle NetSuite, GDT e-invoice, Vietcombank, VietinBank, Techcombank, BIDV, ACB and more.
Security & compliance
TLS 1.3, AES-256, tenant isolation, SSO/SAML, RBAC, full audit trail and in-region hosting.
ROI metrics
- Payback within 6 months.
- 10× finance throughput per FTE.
- 50% faster monthly close.
Frequently asked questions
›What is finance automation?
Finance automation replaces manual data entry, spreadsheet reconciliation and email-based approvals with an integrated platform that ingests documents, validates them, routes exceptions and posts results to your ERP automatically.
›How is BancoOS different from generic AP automation tools?
BancoOS is built for Vietnam — native GDT integration, Vietnamese-language OCR, MISA and Business Central connectors — and covers AP, reconciliation, payments and cash forecasting in one platform.
›Does BancoOS replace our ERP?
No. BancoOS runs alongside MISA, SAP Business Central, Oracle NetSuite and others, posting clean, matched entries back into the ledger.
›Which document types are supported?
PDF and image invoices, e-invoices (XML), bank statements, contracts, purchase orders, delivery notes, expense receipts and more.
›How accurate is the AI capture?
Field-level accuracy is typically 98%+ on Vietnamese invoice layouts, with per-field confidence scores and human-in-the-loop for low-confidence extractions.
›Can BancoOS handle multi-entity and multi-currency setups?
Yes. Multi-entity, multi-currency, multi-VAT and multi-bank setups are supported out of the box.
›How is approval routing configured?
A visual workflow builder lets finance leaders define policies by amount, vendor, cost center or any field extracted from the document — with four-eyes controls where needed.
›Does BancoOS execute payments?
Yes. Approved invoices generate payment files or API calls to major Vietnamese banks, with reconciliation of the debit back to the invoice.
›How long does implementation take?
Most customers go live on their first workflow in 4–8 weeks.
›What does pricing look like?
Pricing scales by workflow and volume, not seat count. Contact sales for a tailored quote.
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