Embedded Banking Services - Intraday bank statement processing

Intraday bank statement processing in Embedded Banking Services delivers up-to-date bank statement balances by processing intraday transactions throughout the day using the CAMT.052 format. This intraday statement processing enables cash managers to improve cash flow forecasting and strengthen liquidity management. Embedded Banking Services also gives businesses a comprehensive view of cash position, payments, and receipts through bank integration. The solution includes ready-to-use connectivity between Oracle and banking partners, rapid bank account onboarding, predefined ISO payment templates, automated funds capture and disbursement transmission, and continuous bank statement retrieval, processing, and reconciliation.

Business benefits include:

  • Gain near real-time visibility into bank balances, payments, and receipts throughout the business day.
  • Strengthen liquidity management by using current intraday cash information to make timely funding and investment decisions.
  • Improve cash-flow forecasting with more frequent bank statement updates.
  • Reduce manual effort through automated, secure ingestion of CAMT.052 statements from J.P. Morgan and PNC Bank.
  • Improve operational consistency by automatically creating missing transaction codes during statement import.

Steps to enable and configure

  1. Provision Oracle Embedded Banking connectivity with J.P. Morgan or PNC Bank.
  2. Request for incremental intraday reporting in ISO 20022 CAMT.052 format from bank
  3. Verify successful import through the Load and Import Bank Statements process and review the imported statement activity.

Tips and considerations

  • CAMT.052 files provide intraday activity; they are expected to contain incremental data.
  • Automatic reconciliation is not initiated for intraday CAMT.052 statements. Use prior-day statements and your reconciliation process for final reconciliation activities.

Key resources

Oracle Help Center: Using Cash Management

Access requirements

No new access requirements.