The Transaction Banking Paradox

Discover how to bridge the gap between banks and corporates

Free Download

Fennech FinancialsThe Next Generation Corporate Banking Platform
Winner of Payment Technology Provider of the Year

Winner of 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."

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.
Virtual Bank Accounts: Why Businesses Should Own Them

Managing multiple physical bank accounts is cumbersome and costly, requiring daily reconciliation. V-accounts simplify this by creating virtual cash ledgers for corporate entities, offering a detailed view of transactions and liquidity. They allow for granular analysis of cash positions across different business units, legal entities or geographies and streamline financial operations with predefined rules that automate payment allocation, reducing both complexity and costs.


Managing multiple physical bank accounts is cumbersome and costly, requiring daily reconciliation. V-accounts simplify this by creating virtual cash ledgers for corporate entities, offering a detailed view of transactions and liquidity.  They allow for granular analysis of cash positions across different business units, legal entities or geographies and streamline financial operations with predefined rules that automate payment allocation, reducing both complexity and costs.
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.

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

SEE MORE ON SOLUTIONS



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.

Best solution recommendations

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...

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...

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

Looking for more


Find out about the best modern treasury solutions

Get your solutions guide

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.
★★★★★

We selected Fennech to deliver our 2 major banking API and FX hub infrastructures because we were impressed by both the fliexibility, capability and power of the Fennech platform, and the experience and expertise of the team.


Paysafe, Ian Moore Global Head of Banking Relationships
We selected Fennech to deliver our 2 major banking API and FX hub infrastructures because we were impressed by both the fliexibility, capability and power of the Fennech platform, and the experience and expertise of the team.
★★★★★

Fennech’s F³ platform excels in flexibility, customisability, and scalability, crucial for transforming treasury and finance through hyper-automation. Their affordable services cater to medium-sized companies, emphasising the need for real-time data and robust, secure processes, a lesson underscored by the COVID crisis.


ATEL, Francois Masquelier Chairman and CEO
Fennech’s F³ platform excels in flexibility, customisability, and scalability, crucial for transforming treasury and finance through hyper-automation. Their affordable services cater to medium-sized companies, emphasising the need for real-time data and robust, secure processes, a lesson underscored by the COVID crisis.

How does it work?


  • Get insights

    Discover how Fennech helps transform financial operations

  • Discuss strategy

    Share your transformation goals with our experts

  • Get results

    Start your finance transformation today

Questions
What capabilities does an in-house virtual bank offer corporations?

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.

What capabilities does an in-house virtual bank offer corporations?

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.

What are Virtual Accounts?

Fennech Financial's Virtual Accounts are digital cash ledgers linked to a primary bank account, enabling businesses to create multiple sub-accounts without the need for additional physical bank accounts. This approach simplifies financial management by providing detailed insights into transactions and liquidity across various segments of an organization, such as departments, subsidiaries, or projects. By implementing Fennech's Virtual Accounts, businesses can streamline financial operations, reduce banking fees, and gain comprehensive insights into their cash flows, leading to more efficient and effective financial management. Want to know more? get in touch!

Explore more solutions



Automation Transforms and Simplifies Financial Operations

Automation Transforms and Simplifies Financial Operations

Fennech: Leading Automated Finance in B2B Fintech

Fennech: Leading Automated Finance in B2B Fintech

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

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

Guide: Fennech - Modern Treasury Solutions for the Digital Age

Guide: Fennech - Modern Treasury Solutions for the Digital Age

The Next Generation Corporate Banking Platform