Data Panda brings your Ponto bank data together with the data from the rest of your business. From one place, we turn it into dashboards, automations, AI workflows and custom apps your team uses every day.
Ponto is the open banking API platform from Isabel Group, Belgium's largest fintech, with a payment institution licence from the National Bank of Belgium. It connects to more than seventeen hundred banks across fifteen European countries, covering account information and payment initiation under PSD2. More than two hundred software partners process hundreds of millions of transactions a year through it.
The point of pulling Ponto into a warehouse is that live bank data is the only source that closes the gap between what was invoiced and what was paid. Cash-flow forecasts built only on invoices are optimistic. Reconciliation built on a monthly CSV is late. Next to your accounting, invoicing and CRM data, Ponto turns the bank statement into a live dataset the business can decide on, not a copy that finance prints on the fifth.
Live balances, transaction categorisation and reconciliation against the books.
Let the stack react to bank movements the moment they clear.
Use transaction history to classify, detect and forecast.
Internal tools on Ponto data for people who should not share a bank login.
A list of concrete reports, automations and AI features we have built on Ponto data. Pick the one that matches your situation.
What is our real cash position right now, across every bank?
Live balances across all Ponto-connected accounts and currencies, consolidated to the group. Replaces the manual morning treasury check with a dashboard that reflects what the banks hold, not what last night's accounting run thought they held.
Will the cash forecast still hold in week eight?
Thirteen-week forecast built from open invoices, committed subscription revenue and planned AP runs, anchored on live balances today. The chart updates when bank activity moves, so the week where cash runs tight becomes visible early enough to finance, not at the weekly meeting.
Which accounting entries do not match the bank?
Daily reconciliation between bank transactions and ledger postings in Exact Online, Yuki or any other connected system. Flags the mismatches where an invoice was paid but not reconciled, or a bank line was booked twice.
Live group cash position, ledger reconciliation and thirteen-week forecast on one screen. Treasury conversations move from the morning spreadsheet check to the trend the data already shows.
Customer payment behaviour tied to the bank, not only to the sales ledger. A renewal conversation sees which accounts clear on time against the bank, which is the number a deal turns into.
Supplier payment cycle, anomaly detection and transaction categorisation in one board. Procurement, AP and compliance decisions are made against live flow, not a month-end snapshot.
Ponto bank transactions push into Exact Online as bank journal entries, matched against outstanding invoices on amount, reference and counterparty. Manual bank reconciliation stops being a daily chore and becomes an exception list.
Dutch entities running Yuki receive their Ponto bank transactions with VAT codes, counterparty and suggested categorisation. The Yuki reconciliation screen shows the matched lines first and leaves only the genuine exceptions for manual review.
Ponto incoming transactions are matched to outstanding Billit invoices on amount and reference, including partial payments. The Billit AR screen reflects what the bank has cleared, and late-payer scoring updates on the bank signal, not the next export.
Ponto transactions land as payment events on the matching Teamleader Focus invoice with date, amount and counterparty. Project managers and account managers see when their invoice was paid, not when the accountant gets around to posting it.
These are the 2 tables we currently pull from Ponto into your warehouse. Query them directly in SQL, join them to the rest of your stack, or build reports on top.
Missing a table you need? We can extend the sync. Tell us what is missing and we will build it for you.
You keep the reporting tool you already have. We connect it to the warehouse where your Ponto data lives.
OAuth authentication. Read-only by default. We sign a DPA and your admin keeps the keys.
Data flows into your warehouse on your schedule. Near real time or nightly, your call. You own the data.
We build the first dashboard, workflow or AI feature with you, then hand over the keys. Or we stay on for ongoing delivery.
We set up the foundation. Your team builds on top.
Best fit Teams that already have a BI analyst or data engineer and want to own the build.
We build the whole thing, end to end.
Best fit Teams without in-house BI or dev capacity. You tell us what you need and we deliver it.
You do. It lands in your warehouse, on your cloud account. We don't resell or aggregate it. If you stop working with us, the warehouse stays yours and keeps running.
Near real time for most operational systems. For heavier sources we schedule hourly or nightly. You pick based on what the reports need.
No. If you don't have one, we help you pick one and set it up as part of the first delivery. Common starting points are Snowflake, Microsoft Fabric, or a small Postgres start.
Ponto is operated by Isabel Group under a payment institution licence from the National Bank of Belgium. It connects to more than seventeen hundred banks across fifteen European countries, including all major Benelux banks, under PSD2 consent flows that end users approve explicitly.
Yes. Payment initiation via Ponto is supported, always under the right approval and audit trail. AP batches approved in the accounting system or a custom Data Panda app can be released to Ponto for execution, with each instruction logged as a first-class event in the warehouse.
We review your Ponto setup and the systems around it. Together we pick the first thing worth building.