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

Description du projet

Une nouvelle plateforme pour aider à maintenir les flux de trésorerie

La trésorerie est la colonne vertébrale de toute petite entreprise. Une bonne gestion des fonds est donc vitale. Le projet SCF, financé par l’UE, a pour objectif de donner accès aux petites entreprises à une gestion professionnelle de la trésorerie. Il développera une plateforme Smart Cash Flow – entièrement intégrée dans les services bancaires en ligne de l’utilisateur – pour conseiller les entreprises sur la meilleure façon de gérer leur trésorerie sur une base quotidienne, hebdomadaire et mensuelle. Pour mettre cette plateforme à la disposition des PME, le projet propose de relier des progiciels comptables aux comptes bancaires des entreprises en utilisant l’intelligence artificielle pour enregistrer des modèles, élaborer des prévisions et rationaliser la planification des flux de trésorerie. L’interface naturelle de cette solution est le compte bancaire en ligne.

Objectif

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.

Champ scientifique

Programme(s)

Thème(s)

EIC-SMEInst-2018-2020 - SME instrument

Appel à propositions

H2020-EIC-SMEInst-2018-2020

Voir d’autres projets de cet appel

Sous appel

H2020-SMEInst-2018-2020-1

Régime de financement

SME-1 - SME instrument phase 1

Coordinateur

ASTERIA AB

Contribution nette de l'UE

€ 50 000,00

Adresse

Sveavagen 45
111 34 Stockholm
Suède

PME

Oui

Région

Östra Sverige Stockholm Stockholms län

Type d’activité

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

Liens

Contacter l’organisation

Participation aux programmes de R&I de l'UE

Réseau de collaboration HORIZON

Autres sources de financement

€ 21 429,00

Smart Cash Flow – Getting back on track