In the turbulent waters of the global economy, a business's survival now depends not only on sales figures but also on how visible and manageable its cash flow is.

If you still log into different banks' online branches every morning, waiting for SMS passwords, and spend hours reconciling bank statements in Excel spreadsheets, you are still using “old maps” for financial management. Financial technologies (FinTech) are rapidly consigning these manual processes to history. Banking is no longer a “place” or a “branch”; it is a service layer embedded in your operating systems, working through APIs.

We will take a step-by-step look at how API-focused banking and Finrota Netekstre can transform your digital cash management.

What is Digital Cash Management?

Digital cash management refers to the approach that enables a business to monitor and analyze all its accounts (demand deposits, credit, POS, etc.) held at multiple banks on a single screen and link them to ERP/accounting systems in real time through API and open banking integrations.

Netekstre solution;

➜ Eliminates the need to log in to different banks individually, ➜ Collects all account movements in real time on a single screen, ➜ Transfers this data to ERP and accounting systems such as Logo, Nebim, SAP, Mikro, Luca, and DIA, ➜ Creates an automation layer that saves up to 95% of time in financial operations.

This data layer is a critical infrastructure not only for seeing today but also for planning for the future.

API-Focused Banking and BaaS: How Are They Changing Cash Management?

API-focused banking involves banks opening up services such as account information and transaction initiation to third-party platforms via secure APIs. BaaS (Banking as a Service) enables these services to operate embedded within your ERP and financial software.

Thanks to Finrota's API infrastructure:

➜ Banks' “black box” systems become a platform that communicates with your business, ➜ Banking transactions become a service embedded within your ERP, ➜ CFOs and finance teams manage cash flow through their own business applications instead of bank interfaces.

Fewer screens, fewer clicks, less manual work; more visibility, speed, and control.

The “Invisible” Cost of Manual Processes

The first hours of the day are often chaotic for a CFO or Finance Manager: token devices on the desk, dozens of bank tabs open on the screen, reports that need to be completed in the background...

The invisible costs of the traditional method:

Time loss: Logging into each bank separately to check balances and transferring statements to Excel takes an average of 2 hours per day. That's 40–50 hours lost per month.

Operational blindness: To answer the question, “What is our total cash position right now?”, you have to go through all the banks again. Meanwhile, the exchange rate changes, and opportunities are missed.

Risk of human error: A misplaced comma or duplicate entry can cause balances to not match at the end of the day and lead to stressful overtime.

Security vulnerability: Bank passwords circulating within the team or statements stored in unencrypted Excel files pose a serious risk in terms of both cybersecurity and internal auditing.

These costs are invisible but directly erode your profitability.

The API Revolution and Netekstre: The “Before/After” Scenario

The “after” scenario brought about by technology is based on transparency and speed. Finrota's API infrastructure transforms banks' closed-box systems into a platform that communicates with your business.

With Netekstre, your “after” scenario looks like this:

➜ Single-screen convenience: All account balances, POS reports, and pending transactions from different banks are consolidated on a single dashboard.

➜ Real-time data flow: The moment there is a movement in the bank (collection, payment, etc.), this information appears on the Netekstre screen within seconds. Even if the CFO is out of the office, they can monitor the company's financial pulse via the mobile interface.

➜ Embedded banking with BaaS: Manage banking transactions through your ERP or financial application without logging into the bank interface. Banking becomes a backend service for your business.

End-to-End Digital Cash Management with Finrota

Digitalization in financial management is no longer an option, but a requirement for business survival. The costs and risks created by manual processes are unsustainable.

With Finrota's open banking and cash flow management solutions, you can:

+ Consolidate all your banks on a single screen, + Automatically transfer bank transactions to your ERP and accounting systems, + Reduce operational burden with Netekstre and move to the strategic management layer with NAP360.

Stop dealing with banks individually; save time on strategy, not screens.

➜ To consolidate all your banks on a single screen with Netekstre, ➜ Implement integration with your ERP and accounting systems, ➜ Manage your cash flow with forward-looking scenarios using NAP360,

Meet with Finrota experts today and request a customized demo for your business.