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IWB AIStop waiting for reports. Ask how the business is doing and get answers from your own data.See how it works
FinanceTAHTEDGDR

See your month-end cash position today

Open invoices, checks and promissory notes, and loan and tax installments land in your cash forecast on their due dates. Bank transactions come in through Finekra or from a statement file you upload, IWB suggests a match, and you approve it.

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Runs in your browser. In the cloud or on your own server, it's the same IWB.

Records
TAHTEDGDR
Bank catalog
55 banks · 13,767 branches
Cash flow
19 sources
Currencies
22
Connected modules
6

01

Stop matching bank lines one by one

If your company uses Finekra, a Turkish bank connectivity service, transactions and balances come in automatically; otherwise, you upload an MT940 or CSV statement. IWB suggests a match from the description, counterparty IBAN, and amount. Once you approve, the line goes to a contact, a draft receipt or payment, a transfer, or an expense voucher.

  • Preset bank rules for interest, fees and charges, credit cards, POS, and taxes
  • You can undo a match, and IWB learns the counterparty IBAN

Finekra

Your bank credentials stay in your company's Finekra account. IWB doesn't connect to banks directly; it receives transactions through Finekra.

02

See which customers are overdue, and by how much

Pull any contact's statement for a date range, with the option to show only open items or amounts in the transaction currency. Receivables and payables are aged into 0-30, 31-60, 61-90, and 90+ day buckets. When you settle, the oldest debit is matched with the oldest credit, and IWB flags FX differences on foreign-currency items.

  • Download statements as PDF or CSV
  • Warn or block when a credit limit is exceeded, your choice in settings
  • Preview bulk settlements, approve them, and undo them if needed

03

Know where every check and note stands

When you endorse a check, deposit it for collection, pledge it to the bank, or return it, the status change follows defined rules. Recorded events can't be edited, and every change leaves a trail.

  • Checks, e-checks, promissory notes, bills of exchange, and electronic warehouse receipts (ELÜS) in the same portfolio
  • Receivables under legal action move to account 128, Doubtful Trade Receivables
  • Check slip PDFs with gapless numbering

04

Spot a cash shortfall weeks in advance

Open items, checks and notes, and loan and tax installments appear on the forward cash curve on their due dates. Card statements, guarantees, and time deposits are included too. You add payments with no source document, such as payroll, social security (SGK), and rent, from ready-made templates.

  • Sales and purchase orders, contract billing, and VAT feed the forecast too
  • 4-week, 13-week, or 12-month view, with a minimum cash threshold for each currency
  • Items with no due date stay off the curve, on a separate list

05

Put a second pair of eyes on payments

You can route finance voucher posting through an approval flow, and the person who created a voucher can't post it. A batch payment instruction opens draft payment vouchers and produces a CSV file to upload to your bank. Once you confirm the money has left the bank, the vouchers are posted and payables close oldest first.

Segregation of duties

Not everyone who can see contact accounts can see all of the company's cash. Viewing the cash forecast is a separate permission.

06

Keep expense receipts from piling up

Employees take a photo of the receipt with their phone, and IWB opens the expense claim. If IWB AI is turned on, it reads the receipt and suggests fields such as date, vendor, amount, and VAT, and the employee confirms the entry. Spending approval and accounting review are separate permissions, and a reviewed claim becomes draft expense vouchers, one for each payment method.

  • When input VAT isn't deductible, the reason is recorded: receipt not in the company's name, foreign receipt, or POS slip
  • Spending policy: a per-receipt limit and required receipts
  • Business advances are offset in the claim
Looking for the general journal, trial balance, or VAT period close?Go to Accounting

07Document flow

Let incoming payments close open invoices

The open item from your invoice waits on the customer's account until the bank transaction comes in and IWB suggests a match. Your approval opens a draft collection, and posting the voucher closes the item. Your accountant then reviews the voucher and records it in the general journal.

  1. InvoiceFTR-2026-00241
  2. Bank transaction
  3. Rule suggestion
  4. CollectionTAH-2026-00321
  5. Journal entryYEV-2026-01207

08IWB AI

Sell on credit with the full exposure in view

Ask IWB AI about overdue receivables, credit limits, and the weeks ahead in your cash forecast. Before it creates or posts a voucher or closes open items, it shows you what it will do and waits for your approval.

Lookups
9
Actions you approve
7
See how IWB AI works

IWB AI covers contacts, vouchers, and cash flow, but not checks and notes, bank reconciliation, loans, or guarantees.

Answers your questions

  • Which customers have overdue receivables?Loading contact balances
  • How much goes out next month, and will our cash cover it?Loading cash flow forecast
  • Has Ege Yapı gone over its credit limit?Checking credit risk

Acts with your approval

  • Create voucher
  • Post voucher
  • Auto-close open items
  • Match open items
  • Write off remainder
  • Cancel voucher

Every action comes to you first as an approval card. IWB AI doesn't create or change records without your approval.

09Capabilities

What you can do with Finance

  • Bank loans

    IWB builds equal-principal installment plans and tracks interest, BSMV banking tax, and the KKDF levy separately on each installment.

  • Guarantees and collateral

    Track guarantees given and received, with release conditions, movement history, and a calendar.

  • POS collections

    You define commission, settlement delay, and installment tiers, and IWB checks the commission charged against the statement.

  • Corporate cards

    Import statement files with column mapping, then match the lines to expenses and expense vouchers.

  • Collections follow-up

    Overdue accounts go into a follow-up queue. A friendly reminder and a final notice are generated as PDF letters.

  • Tax installment plans

    Tax deferrals and restructuring plans are tracked separately. IWB works out breach status, and installments feed the cash forecast.

  • Late payment interest

    Calculated from days late and an annual rate, then issued as a debit note or an invoice.

  • Currencies

    IWB supports 22 currencies. The rate is fixed on each document, and if no rate is found, an "Unverified exchange rate" warning appears.

10Compliance

Skip the hunt for exchange rates and tax deadlines

Turkey's bank and branch directory, Central Bank of the Republic of Turkey (TCMB) exchange rates, and the tax calendar come with IWB. You track tax deferrals, restructuring installments, letters of guarantee, and expense restrictions the way they work in Turkey.

  • VUK 280FX revaluation under the Tax Procedure Law: you preview it in Finance, and Accounting posts the entry. It uses the TCMB buying rate with no margin.
  • 6183 Art. 48Tax deferral installments are tracked with their payment and breach status.
  • 7440 · 7326For restructured tax debt, IWB tracks the allowance of up to two missed installments per calendar year.
  • 4734 Art. 34Bank letters of guarantee are tracked as collateral under the Public Procurement Law.
  • GVK 40Expense vouchers apply the Income Tax Law limits on passenger cars and separate out non-deductible expenses (KKEG).
  • IBAN, tax ID (VKN), and national ID (TCKN) checks, plus built-in EFT and SWIFT codes for 55 banks.

11Connected modules

They share the same database and permission model

Industries

12

Frequently asked questions

Does IWB connect directly to my banks?

No. Bank transactions and balances come in through Finekra, a Turkish bank connectivity service, so your company needs its own Finekra account. If you don't use Finekra, you upload an MT940 or CSV statement from your bank.

Does IWB send payments to the bank?

No. A batch payment instruction opens draft payment vouchers and produces a CSV file (IBAN, payee name, amount, description) for you to upload to your bank. You send it through your bank's own channel and post the vouchers once the money has left.

How are FX differences handled on foreign-currency accounts?

Realized FX differences are recognized with an FX difference note when items are matched. Where an invoice is required, IWB prepares a draft FX difference invoice. If it's unclear whether one is needed, no draft is created and the decision stays with your accountant (SMMM). At period end, foreign-currency positions are revalued at the official rate.

Do corporate credit card statements come in automatically?

No. You import the corporate card statement from an Excel or CSV file using a saved column-mapping profile, and its lines are matched to spending.

How do employees enter expense receipts?

They open the camera from their phone's browser and photograph the receipt, with no separate mobile app to install. If IWB AI is turned on and the receipt can be read, the fields fill in as a draft, and the entry is still saved only when the employee confirms it.