The Transaction Banking Paradox

Discover how to bridge the gap between banks and corporates

Fennech FinancialsReady to Move Beyond Traditional Treasury Management?
Payment Technology Provider Of The Year

Payment Technology Provider Of The Year

Empower your corporation with seamless, automated in-house virtual banking.


Transform your corporate finance with our in-house virtual banking system. Empower subsidiaries with comprehensive control over account management and seamless interaction with multiple banking partners. Optimize cash positions across various trading and legal entities through automated credit controls, cash pooling, and interest distribution. Effortlessly create unlimited virtual accounts with tailored business rules for payment allocation, minimizing bank charges and streamlining reconciliation. Elevate your organization’s financial strategy with enhanced efficiency and flexibility.


Chief Revenue Officer  | Melina Moussali

Chief Revenue Officer

Melina Moussali


Trusted by partners

trusted by partners
Melina MoussaliAn in-house virtual bank allows corporations to establish an in-house virtual banking system, enabling comprehensive control over account maintenance for subsidiaries and interaction with multiple banking partners. It empowers organisations to optimise cash positions across multiple trading and legal entities by automating credit position controls, cash pooling, interest distribution, and loan documentation. It also enables the creation of unlimited virtual accounts with defined business rules for payment allocation, reducing bank charges and automating reconciliation processes.

Melina Moussali

Chief Revenue Officer

"An in-house virtual bank allows corporations to establish an in-house virtual banking system, enabling comprehensive control over account maintenance for subsidiaries and interaction with multiple banking partners. It empowers organisations to optimise cash positions across multiple trading and legal entities by automating credit position controls, cash pooling, interest distribution, and loan documentation. It also enables the creation of unlimited virtual accounts with defined business rules for payment allocation, reducing bank charges and automating reconciliation processes."

Virtual Bank Accounts: Why Businesses Should Own Them

Managing multiple bank accounts is costly and complex. Virtual accounts simplify this with virtual cash ledgers, offering real-time visibility and automated payment allocation. They enable granular cash analysis across entities, units, or regions—cutting costs and streamlining operations.


Managing multiple bank accounts is costly and complex. Virtual accounts simplify this with virtual cash ledgers, offering real-time visibility and automated payment allocation. They enable granular cash analysis across entities, units, or regions—cutting costs and streamlining operations.
Core Features and Value of In-House Banking

IHB provides unparalleled visibility and control, enabling robust company wide financial controls. It can be customised to meet the unique needs of each organisation.


IHB provides unparalleled visibility and control, enabling robust company wide financial controls. It can be customised to meet the unique needs of each organisation.
In-House Banking for large and complex organisations

In-House Banking (IHB) represents a sophisticated approach to treasury management for large and complex organisations. This centralised structure functions as an internal bank within a corporation, overseeing all financial activities including payments, liquidity, and risk management.


In-House Banking (IHB) represents a sophisticated approach to treasury management for large and complex organisations. This centralised structure functions as an internal bank within a corporation, overseeing all financial activities including payments, liquidity, and risk management.

Streamline treasury operations with seamless in-house virtual banking.


Introducing our innovative in-house virtual banking system, designed specifically for corporations seeking unparalleled control over their financial operations. This cutting-edge solution empowers organizations to manage account maintenance for their subsidiaries seamlessly and interact effortlessly with multiple banking partners.

With our virtual banking platform, companies can optimize their cash positions across various trading and legal entities, ensuring a more efficient allocation of resources. The system automates crucial processes such as credit position controls, cash pooling, and interest distribution, while simplifying loan documentation. This not only streamlines financial management but also enhances overall operational efficiency.

One of the standout features of our virtual banking system is the ability to create unlimited virtual accounts, each governed by tailored business rules for payment allocation. This ensures that every transaction aligns with your organization’s financial strategy, significantly reducing bank charges and minimizing manual intervention. The automation of reconciliation processes further alleviates the burden on finance teams, allowing them to focus on strategic decision-making rather than tedious administrative tasks.

Ideal for both SMEs and enterprise finance leaders, our in-house virtual banking solution fosters a holistic approach to cash management, providing robust tools for tracking and optimizing your. Take control of your finances with Fennech Financial Framework (F³) and unlock the power of your treasury solutions through the innovative In-House Virtual Bank. Designed for today’s dynamic financial landscape, F³ empowers organizations to optimize their financial operations by integrating cutting-edge tools for liquidity management and cash forecasting.

With the F³ In-House Virtual Bank, you can seamlessly create a comprehensive banking solution tailored to your unique needs. This “plug and play” capability allows you to effortlessly connect with multiple banking partners, ensuring that you have the flexibility to manage your finances efficiently and effectively. Say goodbye to the complexities of traditional banking and hello to streamlined operations that reduce costs while enhancing visibility and control.

The In-House Virtual Bank is not just about managing your cash flow; it’s about transforming your treasury and finance teams into strategic partners within your organization. By leveraging advanced analytics and real-time data, your teams will gain unprecedented insights into your financial health, enabling informed decision-making that drives growth.

F³’s In-House Virtual Bank is the key to revolutionizing your financial operations, empowering you to take

Introducing our innovative in-house virtual banking system, designed specifically for corporations seeking unparalleled control over their financial operations. This cutting-edge solution empowers organizations to manage account maintenance for their subsidiaries seamlessly and interact effortlessly with multiple banking partners. 

With our virtual banking platform, companies can optimize their cash positions across various trading and legal entities, ensuring a more efficient allocation of resources. The system automates crucial processes such as credit position controls, cash pooling, and interest distribution, while simplifying loan documentation. This not only streamlines financial management but also enhances overall operational efficiency.

One of the standout features of our virtual banking system is the ability to create unlimited virtual accounts, each governed by tailored business rules for payment allocation. This ensures that every transaction aligns with your organization’s financial strategy, significantly reducing bank charges and minimizing manual intervention. The automation of reconciliation processes further alleviates the burden on finance teams, allowing them to focus on strategic decision-making rather than tedious administrative tasks.

Ideal for both SMEs and enterprise finance leaders, our in-house virtual banking solution fosters a holistic approach to cash management, providing robust tools for tracking and optimizing your.  Take control of your finances with Fennech Financial Framework (F³) and unlock the power of your treasury solutions through the innovative In-House Virtual Bank. Designed for today’s dynamic financial landscape, F³ empowers organizations to optimize their financial operations by integrating cutting-edge tools for liquidity management and cash forecasting. 

With the F³ In-House Virtual Bank, you can seamlessly create a comprehensive banking solution tailored to your unique needs. This “plug and play” capability allows you to effortlessly connect with multiple banking partners, ensuring that you have the flexibility to manage your finances efficiently and effectively. Say goodbye to the complexities of traditional banking and hello to streamlined operations that reduce costs while enhancing visibility and control.

The In-House Virtual Bank is not just about managing your cash flow; it’s about transforming your treasury and finance teams into strategic partners within your organization. By leveraging advanced analytics and real-time data, your teams will gain unprecedented insights into your financial health, enabling informed decision-making that drives growth.

F³’s In-House Virtual Bank is the key to revolutionizing your financial operations, empowering you to take

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An in-house virtual bank allows corporations to establish an in-house virtual banking system, enabling comprehensive control over account maintenance for subsidiaries and interaction with multiple banking partners. It empowers organisations to optimise cash positions across multiple trading and legal entities by automating credit position controls, cash pooling, interest distribution, and loan documentation. It also enables the creation of unlimited virtual accounts with defined business rules for payment allocation, reducing bank charges and automating reconciliation processes.

Top results for solutions

At the heart of F³ lies the transformative process of digitalisation. We take your raw financial data and elevate it into a realm of strategic potential. By extracting key data elements and structuring them into Digital Contracts and Smart Transactions, F³ not only simplifies financial operations but also empowers you with insights that drive business growth.
The Process of Digital Transformation: Reimagining Financial Operation...

At the heart of F³ lies the transformative process of digitalisation. We take your raw financial data and elevate it into a realm of strategic potential. By...

Manage and track all your payables and receivables between a network of agencies, suppliers, affiliate companies, or internal group entities
Agency Management

Manage and track all your payables and receivables between a network of agencies, suppliers, affiliate companies, or internal group entities

Optimise your cash position across multiple trading and legal entities. Be it daily cash pooling or term loans, automating control credit positions, process sweepings, distribute interests, and documentation of loans
Liquidity Management

Optimise your cash position across multiple trading and legal entities. Be it daily cash pooling or term loans, automating control credit positions, process...

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Find out about the best modern treasury solutions

What Others Say


★★★★★

By combining the wide capabilities of Fennech Next-Gen Banking technology with AccessPay market leading bank integration platform, we were able to quickly and with minimal development effort, create a seamless experience for the Fennech client to provide a completely new cash network for the French market.


AccessPay, Anish Kapoor CEO
By combining the wide capabilities of Fennech Next-Gen Banking technology with AccessPay market leading bank integration platform, we were able to quickly and with minimal development effort, create a seamless experience for the Fennech client to provide a completely new cash network for the French market.
★★★★★

After investigating a number of Fintechs for Coforge to partner with, we selected fennech because we thought the management team was people we could work well with, and because we could see how combining the digital capabilities of the F³ platform with Coforge existing competencies will create real added value for our customers


Coforge, John Speight Chief Delivery Officer
After investigating a number of Fintechs for Coforge to partner with, we selected fennech because we thought the management team was people we could work well with, and because we could see how combining the digital capabilities of the F³ platform with Coforge existing competencies will create real added value for our customers
★★★★★

As the pioneer of Consulting 4.0, Sia Partners chose Fennech out of a large pool of companies during our APIficator startup scouting programme as we saw fantastic technological innovationin their product roadmap, wide potential for implementation accross industries and an excellent management team.


SIA Partners, Irene Molodtsov CEO
As the pioneer of Consulting 4.0, Sia Partners chose Fennech out of a large pool of companies during our APIficator startup scouting programme as we saw fantastic technological innovationin their product roadmap, wide potential for implementation accross industries and an excellent management team.

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Questions
Does Fennech offer solutions for both financial institutions and corporate clients?

Yes, Fennech Financial provides tailored solutions for both financial institutions and corporate clients, addressing their unique needs. Our modular platform ensures scalability and customization, making it adaptable for businesses across various industries. Whether you’re a financial institution or a corporate entity, Fennech can help transform your financial processes.

What is Fennech Financial and what services do you provide?

Fennech Financial is a Next-Gen Corporate Banking Platform as a Service. We deliver Hyper-automation of Finance, Treasury, and Payment solutions in real time on One Platform, The Fennech Financial Framework (F³). Our ultimate goal is to help you automate and optimise financial workflows to enhance efficiency, accuracy, and compliance in treasury and financial operations. You can use as many or as little of our solutions to suit perfectly your requirements. Find out more by exploring our solutions.

What regions does Fennech Financial operate in?

Fennech is incorporated in the UK, France, Singapore and Canada. However we can serve clients anywhere in the world. Whatever country you are in, just get in touch and we can explore how we can support you.

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Ready to Move Beyond Traditional Treasury Management?