Writing
SAP treasury, bank formats, cash and risk, finance-systems delivery — and where AI fits. 235 articles.
ACH Return Codes: NACHA File Format and R01–R85 List
Every NACHA ACH return code from R01 to R85 with its official title, and the file behind it: record types 1–9, key fields, SEC codes and return time frames.
MCP Server in Front of SAP: Where Authorization Lives
An MCP server adds a hop, not a control. Where authorization, segregation of duties and logging live when an agent calls SAP through MCP, and what MCP solves.
SAP Cash Application and Joule: What SAP's AI Posts
What SAP Cash Application, payment advice extraction and Joule actually do in finance: what posts, under whose authorizations, and what has to stay human.
Balance Sheet FX Hedging vs Cash Flow Hedging
Balance sheet FX hedging offsets remeasurement of booked FX balances, so it rarely needs hedge accounting. How it differs from cash flow hedges, and SAP's take.
SAP S/4HANA Cash Forecasting, End to End
How SAP S/4HANA cash forecasting works: One Exposure flows, flow types, liquidity items, the forecast apps, SAC liquidity planning, and how to measure accuracy.
Positive Pay in SAP: Check Issue Files, FCHX and Voids
How positive pay works in SAP: the check register in PAYR, issue files from FCHX, void handling, encashment, and where ACH debit blocks and filters fit.
FEBAN: Bank Statement Post-Processing in SAP
Why bank statement items stay open in SAP, how to reprocess them in FEBAN, FEB_BSPROC or the Reprocess Bank Statement Items app, and how to shrink the queue.
SAP Multi-Bank Connectivity (MBC): What It Is and Isn't
SAP Multi-Bank Connectivity is SAP's managed BTP network to banks. How it differs from host-to-host, EBICS and Swift, what flows through it, and onboarding.
SAP Payment Approval Workflow: BCM Rules and Dual Control
How payment approval works in SAP: dual control on bank data, proposal-versus-run separation in F110, BCM batch rules and release steps, and the Fiori apps.
Your AI Agent's Logs Are Not an Audit Trail
A log the agent writes about itself is testimony, not evidence. What an auditor tests instead — completeness, independence, retention — and how to design it.
camt.052 vs MT942: The Intraday Report, Field by Field
camt.052 and MT942 side by side: what each intraday report carries, the balances camt.052 may omit, MT942's floor limit and totals, and where banks diverge.
Payment Hub vs Payment Factory: What's the Difference?
A payment factory is an operating model — how the company organizes paying. A payment hub is the technology layer payments travel through. How they differ.
pain.008: SEPA Direct Debit Initiation Explained
pain.008 (CustomerDirectDebitInitiation) is the ISO 20022 message a creditor sends to pull funds — mandates, FRST/RCUR sequence types, Core vs B2B, refunds.
Virtual Accounts and VAM: Structures and Design
Virtual accounts (virtual IBANs) are sub-accounts over one real account. How they work, what they're for, and how to design a VAM structure that reconciles.
Is There a Gartner Magic Quadrant for TMS?
There is no dedicated Gartner Magic Quadrant for treasury management systems. What Gartner actually covers, and how to shortlist a TMS without a quadrant.
The OWASP LLM Top 10 (2026), Read From a Finance Seat
All ten 2026 entries with what changed from 2025 — and which of them a finance or treasury deployment actually meets first.
NIST AI RMF: The Functions and Categories, Explained
All four functions and 19 categories of the NIST AI Risk Management Framework, with subcategory counts — and which finance controls already cover each one.
Four-Eyes and Segregation of Duties for AI Agents
A human clicking approve on an agent's proposal is not a second pair of eyes. What independence requires when one of the two parties is a model.
Should You Connect an AI Agent Directly to Your ERP?
Practitioners say don't, vendors say it's supported. They answer different questions. Three things a direct connection costs — one of them commercial.
AI Pilot Exit Criteria: What a Pilot Must Prove
Not an accuracy percentage. The five gates a pilot has to pass before production — borrowed from cutover, where the questions are older and harder.
How to Judge an Enterprise AI Vendor's Claims
An accuracy number without a denominator is not a claim. The questions that separate a product from a demo, from someone who runs vendor selections.
Where to Start With Enterprise AI
Not with a pilot. A sequence borrowed from enterprise systems delivery — and the three steps in it that change when the component is probabilistic.
AI Agents in SAP: What Actually Lands in the System
Role-aware is not segregation-safe. What an agent posting in S/4HANA leaves on the document, in the release path, and in front of the auditor at period end.
Can an AI Agent Approve Its Own Payment?
It is not a new question. It is a release strategy — and the per-transaction limit everyone reaches for is the one an agent defeats first.