Smart Cash Flow – Getting back on track | SCF | Project | Fact sheet | H2020 | CORDIS

Descripción del proyecto

Una plataforma nueva para que no se frene el flujo de efectivo

El pulso de cualquier pequeña empresa se mide en el efectivo del que dispone. La gestión adecuada de los fondos es, por tanto, fundamental. El proyecto financiado con fondos europeos SCF se propone ofrecer un método profesional de gestión del efectivo a las pequeñas empresas. Desarrollará así una plataforma denominada Smart Cash Flow que se incorpore sin trabas en los servicios de banca en línea del usuario y que aconseje a las empresas sobre la mejor forma de gestionar el flujo de efectivo en plazos diarios, semanales y mensuales. Para poner la herramienta a disposición de las pymes, el proyecto propone relacionar los programas de contabilidad con las cuentas bancarias empresariales mediante un sistema de inteligencia artificial que registre patrones, prediga sucesos y racionalice la planificación relacionada con el flujo de efectivo. La interfaz natural de esta tecnología es la cuenta bancaria en línea.

Objetivo

The objective of Smart Cash Flow (SCF) is to empower SMEs to act on their cash flow problems. We want SCF – a platform
fully embedded in a user’s online banking services – to be the advisor-of-choice for companies wanting to avoid the pitfalls of
cash flow.
Today, if a small company wants to begin to assess its cash flow and decide on the best way to effectively manage it longterm,
it is optimal for it to have open at least four stand-alone programs: accounting software, online bank account, invoice
system, debt collection system.The gap is a product enabling businesses to manage cash flow on a daily, weekly and
monthly basis and obtain insight from the trends and histories without spending a fortune. This gap has not been filled by the
fintech market.
The tide, however, is turning. Open Banking in Europe is being promoted by the European Commission as part of a digital
agenda to open up services, provide choice and competition, and allow innovation in the market. Open banking is a
cornerstone of the EC’s revised Payment Service Directive (PSD2), which came into force last year. A crucial aspect of this
shift is to allow 3rd party providers, like Asteria, to gain access (with the bank customer’s consent) to an account, learn from
the history of transactions, and be able to provide actionable insight and recommendations. SCF is about making
professional cash flow management accessible to small enterprises. It accomplishes this by linking accounting software
packages to corporate banking accounts, using artificial intelligence to register patterns, develop forecasts, and streamline
cash flow planning. The natural interface for our solution is the online banking account. Asteria’s product has already
reached an advanced enough stage to be tested by a Swedish bank, and we have worked with three other major banks.
Other business opportunities are being pursued, including in Latin America.

Ámbito científico

Programa(s)

Tema(s)

EIC-SMEInst-2018-2020 - SME instrument

Convocatoria de propuestas

H2020-EIC-SMEInst-2018-2020

Consulte otros proyectos de esta convocatoria

Convocatoria de subcontratación

H2020-SMEInst-2018-2020-1

Régimen de financiación

SME-1 - SME instrument phase 1

Coordinador

ASTERIA AB

Aportación neta de la UEn

€ 50 000,00

Dirección

Sveavagen 45
111 34 Stockholm
Suecia

Pyme

Sí

Región

Östra Sverige Stockholm Stockholms län

Tipo de actividad

Private for-profit entities (excluding Higher or Secondary Education Establishments)

Enlaces

Contactar con la organización

Participación en los programas de I+D de la UE

Red de colaboración de HORIZON

Otras fuentes de financiación

€ 21 429,00

Smart Cash Flow – Getting back on track