Connectivity - Pain Points & Challenges¶

Pain Points¶

Must log into each bank separately - UBS, BNP, Deutsche Bank, JP Morgan, etc. each require separate login
Source: On (2024-09-26)
No consolidated view - "We don't really have like a TMS or any consolidation tool"
Source: On (2024-09-26)

Looker/ERP not real-time - Dashboard data depends on bank reconciliation, not live feeds
Source: On (2024-09-26)
Source: On (2024-10-24) - "Right now until the end of the month, we don't really know how much money we have"
External reconciliation creates delays - Bank reconciliation done by Deloitte center in Madrid, can take days for spots to appear
Source: On (2024-09-26)
Monthly reconciliation cadence - Reconciliation only done once a month, would prefer daily
Source: On (2024-10-24) - "It will be much more often and not only once a month, but maybe every day"

Single GL account per currency - ERP structure prevents drilling down to individual bank account balances
Source: On (2024-09-26)

Bank migration causes data lag - HSBC to RBC migration caused 2-day data delay; different banks provide different data quality
Source: Sonder (2024-11-19) - Bank connectivity gaps during transition affect daily forecasting

Kyriba rejects data if bank account not assigned - Integration rules cause data quality issues; flows without assigned bank accounts are not integrated
Source: ON (2025-10-02) - "Kyriba rejects [data]. So for example, we have rules based on Kyriba bank accounts. If any of the flows don't have a bank account assigned, it will not be integrated."
Kyriba deletes ALL forecast data daily - No smart updates; daily wipe and replace causes missing data during training sessions
Source: ON (2025-10-02) - "We're training the regions now... and the data is not there because that day because we delete"