Kobana Team
Reconciliation that reads the narrative, not just the amount.
From 70% auto-match (traditional RPA) to 95-99% with our agents. Monthly close from 12 days to 3. Month-end goes back to being just another day.
Why manual reconciliation takes so long.
Text
Pix (Brazil's real-time payment system) shows up with a chaotic free-text field. A boleto (Brazilian bank-slip payment) lands as a partial payment. TED transfers come with a payer name that doesn't match. A supplier deducted a 0.15% fee and no one flagged it. A three-day-old reversal. A scheduled payment that bounced on insufficient funds.
RPA breaks on any variation in description. Analysts burn 4-6 hours a day on this alone.
Kevin reconciles inflows, Kelly reconciles outflows, Karin runs cash application.
Kevin — Bank reconciliation
- Cognitive matching across 40+ banks
- Interpretation of chaotic descriptions ("TED JOAO SILVA REF NF 1234")
- Handling of reversals, partials, and unexpected fees
- Drafts notes to the controller on exceptions
Kelly — AP reconciliation
- Matches CNAB return files with scheduled payments
- Handles rejections (closed accounts, insufficient funds)
- Pix × ERP reconciliation
- Identifies unexpected charges
Karin — Cash application
- 90-96% touchless on received Pix and boleto
- Matching by txid when available
- Interprets free-text fields
- Parses remittance advice in PDF and email
What happens next.
- 95-99% auto-match (vs 70-80% for RPA)
- -50% to -70% reconciliation time
- -80% to -90% human effort
- Monthly close 12 → 3 days
- 20 min/account (Microsoft Treasury case: -22% AHT)
Omnichannel retailer with 40 stores + e-commerce.
Before
- 3 full-time people on reconciliation
- 11-day monthly close
- Pix with free-text fields matched by hand
- 12% of operations manual each month
After (4 months)
- 1 part-time person supervising
- 3-day monthly close
- 97% auto-match
- 2.8% of operations manual (only real exceptions)
- Team reassigned to per-store margin analysis
Stack involved
List
- Kevin, Kelly, Karin
- Klaudinho (Q&A and reporting)
- Open Finance (Pluggy, Belvo)
- CNAB 240/400
- Pix API
- OFX
- ERPs
FAQ
Does it work with card acquirers (Cielo, Stone)?+
Yes. D+1, D+30 settlement, MDR, splits — all integrated.
What about D+X card payments?+
Yes. Kevin reconciles projected × actual settlement.
Multi-currency?+
Yes, with PTAX conversion and Kia Brain handling FX policy.