Overview

Cash Applications Automation

Cash Applications automation is a process that uses technology to automate the application of incoming payments to open invoices or accounts receivable (AR).

Process Flow

This process typically involves identifying the payment, matching it to the correct invoice, and updating the AR system accordingly.

Payments are received in various formats, including checks, electronic funds transfers (EFTs), credit card payments, and lockbox files. Automation tools can capture payment data from these various sources, including remittance information.

Automated algorithms match the payment information to open invoices in the AR system. This can be done based on invoice numbers, customer names, payment amounts, or other identifying criteria

Intelligent Document Processing (IDP) tools can extract relevant data from remittance advices, emails, or other associated documents. This data may include customer information, invoice numbers, payment amounts, and any deductions or adjustments.

In cases where an automatic match cannot be made, the system flags the payment for manual review. This can occur due to discrepancies in the payment amount, missing information, or other issues.

Once a payment is matched or manually reviewed, the system updates the AR system accordingly. This involves applying the payment to the correct invoice, reducing the outstanding balance, and updating the customer's account.

Automated cash application systems can generate reports on various metrics, such as the number of payments processed, the average processing time, and the number of exceptions. This data can be used to identify bottlenecks in the process and make improvements.

Benefits of Cash Applications Automation

Cash application automation can significantly improve the efficiency and accuracy of the cash application process, reducing manual effort and errors, and improving cash flow visibility.

Reduced Manual Effort

Automating repetitive tasks frees up staff to focus on more complex and value-added activities.

Improved Accuracy

Reduces errors associated with manual data entry and matching.

Faster Processing Time

Accelerates the application of payments, improving cash flow and reducing Days Sales Outstanding (DSO).

Increased Visibility

Provides real-time visibility into cash flow and outstanding receivables.

Enhanced Customer Satisfaction

Reduces the risk of misapplied payments and improves customer service.

Scalability

Easily adapts to increased payment volumes without requiring additional manual resources.

Technologies Used

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Robotic Process Automation (RPA)

Used to automate repetitive tasks, such as data entry and payment matching.

Intelligent Document Processing (IDP)

Used to extract data from unstructured documents, such as remittance advices.

Machine Learning (ML)

Used to improve the accuracy of payment matching and exception handling over time.

Optical Character Recognition (OCR)

Used to convert printed or handwritten text into machine-readable data.