How banks automate CESOP, account register reporting, and more.
While large, regularly recurring reports are now largely processed automatically in many institutions, isolated reports often remain outside these end-to-end processes. Reports such as CESOP or the account register are often only partially automated or require considerable manual effort to create.
Against the backdrop of a shortage of skilled workers and increasing exam density, this structural gap is becoming an increasing risk. This article shows how this pressure can be taken off IT without changing existing system architectures.
When standard software reaches its limits
While large reports run automatically, special or less common requirements often force departments back to manual processing. It is precisely at this interface—where media breaks occur—that errors arise, which can be time-consuming and costly to check.
- Report-specific data requirements: Different data fields are relevant depending on the reporting regime, e.g., for account closures, account mutations, or powers of attorney.
- Regulatory adjustments with lead time: Changes to reporting formats are usually announced well in advance and require structured planning and implementation.
- Additional manual effort per reporting period: Without supporting platforms, different reporting frequencies and requirements lead to increased time and personnel costs.
Regulatory agility without burdening the IT core
Instead of burdening core banking systems with additional, non-specialist requirements, MELDE.HUB deliberately pursues an independent approach. The solution functions as a specialized reporting platform that receives data, processes it, and transmits it to the relevant authorities in accordance with regulations.
The benefits for your IT architecture:
- Non-invasive: We do not interfere with the programming logic of your booking system. We offer a standalone solution (no risk to ongoing stability).
- Interface flexibility: Regardless of whether you use a standard system or a customized in-house development, our platform processes clearly defined raw data.
- Centralized maintenance of adjustments: Changes to reporting formats or regulatory requirements are implemented centrally and taken into account during ongoing operations.
- Highest compliance standards: We operate exclusively in Austrian or German data centers that meet the strict security requirements of the financial industry (data sovereignty & GDPR-compliant).
This is how the process works with MELDE.HUB
The aim of MELDE.HUB is to standardize recurring processing steps in reporting while taking into account the specific features of individual report types. Depending on the database, report type, and official requirements, processes can be mapped flexibly without losing transparency or traceability.
Maximum flexibility: The modular principle
Large standard solutions are often cumbersome and include features that are not needed. In-house developments, on the other hand, are often inflexible when new requirements arise.
MELDE.HUB deliberately takes a different approach and relies on a modular design principle.
Individual reporting types, such as CESOP or the account register, are added as independent modules and can be used as needed. This keeps the solution lean, flexible, and expandable at any time without unnecessarily complicating existing processes.
Your advantages:
- Cost efficiency: You only license the modules you currently need (pay-as-you-need).
- Future-proof: If a new regulatory requirement comes along, we don't have to introduce a new system—we simply provide a new "building block."
- Quick deployment: Since we only need to activate an additional module for new reporting requirements, there is no need for lengthy implementation projects. You are ready to report faster.
Conclusion: Free your skilled workers from administrative tasks
Banks are faced with the challenge of implementing increasing regulatory requirements with limited resources. MELDE.HUB helps to reduce manual reporting tasks and deploy skilled staff where their expertise adds the most value.
Fabian Kiesel | Head of Sales
Discover how you can report efficiently today and respond flexibly to new requirements tomorrow.
MELDE.HUB The modular answer to regulatory complexity.