Page 10 - Top Finance Apps - Rwanda

Globe

globe.exchange

The global cryptocurrency derivatives exchange. Inventors of bitcoin VIX, the first low latency perpetual futures exchange and more

Spring in Africa

springinafrica.com

Spring, Fintech Company, Spring in Africa Fintech Company, Spring in Africa, Spring Payments, Spring Payments Africa, Wallets Africa is now Spring in Africa, Our Wallet, Leap into tomorrow's banking - where digital meets metaverse, Spring payments, Digital Wallets, Wallets in Africa, Neo Bank, Web Wallet, powered by Spring, emerging markets payments, payments in Africa, wallets in Africa, crypto transactions in Africa, digital assets, virtual assets.

Mudrex

mudrex.com

Invest in crypto with ease using Mudrex - the all-in-one platform for crypto investments.

Upsolve

upsolve.org

Take control of your debt. Our nonprofit helps you get out of debt with free debt relief tools and education.

Fuse

letsfuse.com

Build reliable connections to financial accounts. Combine the best financial aggregators, increase connection success rate, reduce disconnections and expand into new markets fast - with one unified API.

Maxpay

maxpay.com

Maxpay is an international payment platform which helps monetize your marketplace, online storefront and subscription service in a few clicks

PayAdmit

payadmit.com

Payadmit is your one stop shop for all things online payments. It handles different payment options, provides an immediate connection and has robust smart features to enable smooth transactions. You'll find it easy and intuitive no matter what kind of device you're using - not just desktop but tablet too. You can monitor every transaction for transparency.

PayNearMe

home.paynearme.com

PayNearMe is the modern and reliable payments platform that lets your customers pay how, when and where they want. Accept cash, debit, credit, ACH and mobile-first payment methods including Apple Pay and Google Pay — all with a single platform. PayNearMe builds innovative technology with an emphasis on user experience, customer satisfaction and reliability so you can collect every payment, every time.

Tegro

tegro.money

Online payments for business Accepting payments from abroad in any currency Fast connection and high payments' conversion Free alternative to commom online cashboxes More than 40 ready-made modules for CMS and CRM Withdrawal of funds to the current account the next day Mass payouts PCI DSS payment security and proprietary anti-fraud solution

Teya

teya.com

We build tools to unlock hassle-free payments, better business management, new and returning customers, all on fair terms. Our all-in-one offering is designed to simplify the everyday and unlock growth potential, to free them from the stuff that takes the joy out of doing business. We're building a collection of connected solutions that includes payment acceptance, business account services, card issuing, ePOS systems, loyalty and rewards, website building and CRM, online visibility tools, booking management, and tax-free services.

Tranzzo

tranzzo.com

We went above and beyond to ensure reliable online payments so that businesses can focus on more important things. We develop solutions and technologies to let users pay online wherever they want.

Truevo

truevo.com

Truevo is a licensed acquirer and fintech company serving businesses across Europe. We focus on providing end-to-end payment solutions that deliver higher acceptance rates, faster transaction speeds and optimal security. We understand that each business is unique, and our diverse range of products, including Acquiring, Online Payments, Card Payouts (OCT), Pay by Link, Subscription Billing, In-app Payments, and Card Machines, caters to all your payment processing needs. We empower businesses to accept credit card, debit card, Apple Pay and Google Pay payments in over 150 currencies and receive settlements in your currency of choice. As a PCI-DSS Level 1 payment provider, we maintain the highest levels of security and compliance, ensuring your peace of mind in every transaction. We make money flow so that your business can grow.

Canopy

heycanopy.com

Investment fund infrastructure, built for anyone Thousands of investors and managers, from multi-billion dollar hedge funds to fresh syndicate leads, use Canopy’s software to set up funds, manage capital, and report performances online.

Oxygen Finance

oxygen.us

Oxygen: Your all-in-one solution for bank accounts and business incorporation. Simplify finances, unlock opportunities, and embrace success.

Cowrywise

cowrywise.com

Cowrywise helps Nigerians save and invest money regularly. We are re-imagining and reworking how financial services get delivered to people.

Fintual

fintual.cl

Fintual is the leading app in regulated investments in the region: +120 thousand people invest easily and without minimums in funds, APVs, stocks and ETFs.

SafetyWing

safetywing.com

Health and insurance products for remote companies and remote workers worldwide, as a replacement for national welfare systems.

Simetrik

simetrik.com

Empowering FinOps, Accounting, & FP&A teams with Robust No Code & AI technology. All your external financial data (banks, gateways, etc.) replicated to your data warehouse for conciliation, traceability and cash flow in Latam.

OctaveWealth

octavewealth.com

The 401(k) that helps you grow. We’ll build the 401(k) you need to help attract and retain talent.

FundersClub

fundersclub.com

Invest in the world’s most promising startups. Diversify your investment portfolio with insider access to highly vetted startups from Silicon Valley and beyond in just minutes.

Goodcover

goodcover.com

Goodcover is modern insurance for renters. Get an online quote in seconds and adjust or cancel your coverage anytime. Protect your stuff worldwide and meet your landlord's liability requirement instantly.

Piggy

piggy.co.in

Experience an easy way to make Investments in Mutual funds in India. Easiest platform to make mutual fund investments in India. Because you need to make Investments, be it just to park your cash short term to earn better returns, or to invest for your goals or retirement, we've made an easy to use platform for you where you can invest in any fund in India in few clicks and have track your existing investments. Furthermore , you make investments without paying any middlemen commissions and make more returns . After all, It is your money. Don't pay too much to others when you can do it on your own.

Léon & George

leonandgeorge.com

Buying and owning indoor potted plants made easy.

LotusPay

lotuspay.com

Recurring payments solution for businesses in India. Automatically collect recurring payments from your customer's bank account using NACH Debit eMandates (eNACH via net-banking, debit card or Aadhaar eSign) and physical scan mandates.

Lively Benefits

livelyme.com

Modern employee benefits & health savings account (HSA) provider. Out-of-pocket healthcare costs are skyrocketing and every day, people all across America are forced to make difficult decisions about their health. Lively is the benefits solutions provider that gets it right. We designed our solutions to take the guesswork out of managing benefits. And our innovative features are built to simplify benefits administration and evolve with your business. Managing wellness and wealth takes more than a series of transactions. By combining robust features with unparalleled service, we make benefits administration effortless, even when time and energy are limited. Experience benefits administration as it should be with Lively.

Aella

aellaapp.com

Diversified credit infrastructure powering payments across Africa. Smart financial solutions Designed for you. Access loans, Pay bills, Save, Insure your health and more in one place.

Ledger Investing

ledgerinvesting.com

We are building an open insurance system to connect risk to capital. The most forward-thinking investors and underwriters partner with Ledger to take their business to new heights. Ledger Investing provides an exciting opportunity for asset managers, pension funds, hedge funds, family offices and other institutions interested in earning a great return through insurance investing.

RedCarpetUp

redcarpetup.com

RedCarpet issues credit cards to those that banks cannot see. Currently we are one of the largest issuers of credit lines to the new-to-credit customer in India. In a population base of 800 million people with bank accounts, there are less than 40 million credit cards. By building a fullstack SDK for card issuance, underwriting as well as holding capital & collection ops, we are looking to build the Capital One of India.

Modulr

modulrfinance.com

We're the digital platform removing the need to use your bank for bank accounts and payments. We automate your payment flows, embed payments within your platform, and enable you to build new payment products and services. All from one API.

Railsr

railsr.com

Consumers want fully immersive and frictionless experiences, and expect brands to deliver the best, most personalised and distinctive engagement campaigns. Railsr is passionate about enabling brands to build relevant finance experiences to drive customer engagement and loyalty. It believes that the embedded finance economy is a fundamentally different way of creating relationships between companies and consumers. Railsr has created a unique category within the financial services industry: embedded finance experiences. It has developed this to enable its customers to help the financial consumer, to deliver greater inclusion and freedoms. Railsr is a pioneer of a new way of looking at how financial services can empower and liberate. It offers a new approach for brands to harness the power of embedded finance through a low cost turnkey platform. It delivers embedded finance into a brand's digital journey, designed as a vertically integrated financial ecosystem, starting at the central bank, or payment scheme (e.g. Visa), and ending with a fully embedded digital experience. Visit railsr.com and find out how we can help you or contact us via our form: www.railsr.com/start-your-experience

Synctera

synctera.com

We're closing the gap between community banks and FinTechs. Empowering you with fast, secure, and scalable partnership banking solutions, we tear down integration complexity and build bridges. We're here to guide all parties through the onboarding process and beyond, forging transactional relationships based on trust.

Drip Capital

dripcapital.com

Drip is a digital trade finance startup. Trade finance is an age-old paper-based industry dominated by banks that focus on large, established corporate customers. Today, however, small businesses account for 40% of trade, but still remain neglected by banks. Drip is using technology to re-build core parts of the trade finance infrastructure and make the underwriting and financing of B2B transactions seamless for small businesses. Our mission is to level the playing field for small businesses and to finance their trade at the click of a button. Drip consists of experts in both finance and technology and has offices in Palo Alto and Mumbai. Drip is backed by top tier investors Accel, Sequoia, Wing, Initialized and Y Combinator.

Simpl

getsimpl.com

Simpl is India’s leading 1-tap checkout network meant to make payments invisible and money intelligent. It is committed to the simplification and democratisation of digital transformation in the payments space. As India’s foremost consumer experience platform, Simpl is on a mission to empower merchants to build trusted relationships with customers, one transaction at a time. With more than 26,000+ available merchants and millions of trusted users pan-India, Simpl envisions creating an inclusive digital payment experience for India that empowers and fosters trust between merchants and their customers. Simpl provides a full-stack solution for e-commerce conversion. It enables merchants to give customers 1-tap checkout, buyer protection, and a pay-later facility to allow them to feel safe and trusted when shopping online. Through Simpl, merchants can provide consumers with an easy, secure, and intuitive user experience.

Alternative Payments

alternativepayments.io

Alternative Payments is a full-service B2B payments platform that simplifies and automates payments for you and your customers. Offer your customers a white-labeled and secure platform to pay invoices with numerous payment methods (ACH, credit cards, and Pay in Installments). Integrate with leading accounting and PSA software solutions to sync invoices and make auto-reconciliation a breeze. Enable automations like auto-pay and automated email reminders to save you time and collect invoices faster, and unlock data insights to give you complete visibility on payments and better predict cash flow. All in one platform.

Partial.ly

partial.ly

Partial.ly lets you offer a custom, flexible payment plan to your clients to start payments right away.

Futrli

futrli.com

The most intelligent forecasting and reporting technology in the market. Visualise predicted cash flow, balance sheet, expenses, and P&L forecasts within minutes through our direct integration with Xero. Futrli's intuitively designed drag-and-drop functionality will revolutionise your management reporting, enabling you to make better decisions through clear and insightful data. Get started quickly and easily with guided flows on your home screen, designed to streamline budgeting, forecasting, and report creation. The financial world is changing rapidly and we're here to help you navigate it. Futrli’s intelligent financial predictions and reporting deliver impactful insights for a business’s current, past and future performance. More than just monthly profit & loss figures, a Futrli budget creates smart predictions by reading your business data patterns. Board pack? Funding application? Power your business strategy and model scenarios with the most comprehensive 3-way forecasting platform in the app-ecosystem. Performance insights - Futrli’s performance area is entirely customisable, allowing you to tailor your dashboard to easily surface historical business insights that meet your unique needs. Reporting – Leverage automated scheduling, 60+ templates, and customisable branding to effortlessly deliver reports that resonate with you and your business. Daily cashflow forecasting - Let algorithms analyse all your ledger transactions to anticipate upcoming income and expenses. Achieve pinpoint accuracy in short-term cash flow and make quicker, more confident decisions based on our auto-predictions, now with traffic light confidence scores. 3-way forecasts – Futrli forecasts every area of your business as seen in your Profit & Loss, Balance Sheet and Cash Flow, grounded in real-time data. View account categories, accounts, predictions, and non-financial data as data sets, enabling you to delve deep into the heart of business performance.

Tidely

tidely.com

Tidely is a software for professional cash flow management that helps companies to actively manage their financial success in real time. The tool is aimed at start-ups, SMEs and entrepreneurs. The software uses AI-based cash flow forecasting to forecast available cash for the coming days, weeks or years. The effects of specific business decisions on liquidity can be run through with the help of scenario analyses. Tidely gives users control over their liquidity. Through seamless integration with over 5,000 banks and all common ERP systems, Tidely enables easy synchronisation of all financial data and thus becomes a reliable control instrument for all financial business decisions. All this without complex Excel forms, a setup effort of only 60 minutes and first-class customer support in German and English! A free software demo version can be requested via the website. There are four bundles available starting from €45 per month for users to choose from.

Sibill

sibill.com

Sibill helps SMEs manage their corporate treasury more easily and quickly. Monitor and organize Cash Flows into customized income and expense categories, manage and keep Accounting Flows under control thanks to an always updated timetable, reconcile active and passive invoices for compiling the first note in an easy and automated way, all in a single platform. Sibill helps SMEs manage their finances faster and easier. Monitor and organize Cash Flows into customized income and expense categories, manage and keep track of Accounting Flows with an up-to-date scheduler, reconcile invoices receivable and payable for easy and automated first note compilation, in an all-in-one platform.

Shootih

shootih.com

Shootih is a way to help small and medium-cap companies (like Systango) manage their cash flow, forecasts, investments, goals and become more tax efficient effortlessly on a single platform with the help of technology. Vinita and Nilesh’s aim is to enable small business owners and established entrepreneurs to focus on what matters (taking the business to the desired heights) and avoid distractions (caused by finance mismanagement). With Shootih, you are able to: 1. Monitor cash flow across multiple bank accounts and portfolios. 2. Forecast your expenses. 3. Access various investment instruments suitable for a business. 4. Be more tax efficient. 5. Last but not least, able to track your corporate goals

Embat

embat.io

Embat is the next-generation treasury management platform, providing a centralised tool for banking connectivity, treasury processes, payment automation and automated accounting and reconciliation. This allows finance teams to save up to 75% of the time usually dedicated to treasury tasks, while providing real-time and global insights on cash and debt positions. Features include: Real-time bank connectivity Banking pool management Cash flow forecasting Payments centralisation Automated accounting and reconciliation

Myabakus

myabakus.com

A bookkeeping and financial management software that small and medium business owners use to manage their cash flow and keep their businesses accounts in order, clear, and up to date. Manage invoicing, accounts receivable and payable, cash and banks, inventory, and cash flow. Easily export income and expenses reports for your accountant.

Treasure

treasurefi.com

Turn your organization's idle cash into revenue. Treasure strategically maximizes surplus business funds using a secure, high-return, and liquid cash management platform, all managed by a world-class investment team. SEC Registered RIA. Fiduciary Duty. SOC-1,2,3 Certified.

Crescent

getcrescent.com

Crescent is a Fintech company founded in Lincoln Nebraska by Grant Roscoe. We help put your companies idle cash to work using our proprietary technology that aggregates the best yields across asset classes in a unified dashboard. Our smart automations allow your company to set up rules across your financial suite based on your needs to streamline your money movement with personalized insights on how you can improve cash management. While we don’t charge a management fee, Crescent earns money by taking a small interest rate from interest opportunities presented to clients.

Zeller

myzeller.com

Accepting payments, managing your finances, and paying recipients should be simple. Unfortunately, this isn’t always the case. Finding integrated financial solutions to help your business thrive often requires you to weave together multiple products from different providers. While a small group of large enterprises enjoy the privilege of financial solutions tailored for their specific needs, the vast majority of Australian businesses are underserved due to a lack of innovation, disparate providers, opaque pricing, and restrictive contracts. We believe in a level playing field where all businesses benefit from access to smarter payments technology and integrated financial services that enables them to accelerate their cash flow. So we’re hard at work building the tools to make it happen. Zeller is one solution for all of your business finances. From EFTPOS payments to online invoicing, accounts and cards, it's everything you expect from a business bank, but better.

Trovata

trovata.io

Trovata makes it easy for businesses to automate cash reporting, forecasting, analysis, streamline investment opportunities, and money movement. By bridging the gap between banks and accounting systems, Trovata helps companies gain powerful insights into their cash flows and facilitate better and quicker business decisions. With over $100 billion of cash managed for nearly 200 enterprise customers, like Block, Eventbrite, and Krispy Kreme, Trovata makes it easy for companies to take control of their cash flow. As a next-gen technology platform, Trovata is helping many of the world’s largest financial institutions digitally transform commercial and corporate banking with its growing network of direct API integrations. We’re committed to making better cash management accessible for all businesses. Book a demo today to get started. Trovata is based in San Diego, CA.

Plika

getplika.com

A cloud Financial Planning & Analysis solution so that you and your company can know your results and cash flows instantly. Change the way you plan, consolidate and do financial analysis. Avoid inaccurate information to make decisions, simulate your future scenarios in a simple way, and, above all, avoid large corporate IT projects with results that do not satisfy your role as CFO.

Joiin

joiin.co

Joiin is a software platform to automate consolidation of financial, sales and KPI data to create great-looking reports quickly and seamlessly. Works with Xero, QuickBooks, Sage & spreadsheets. With Joiin, you can manage multi-entity and multi-currency group consolidations with ease. Both off the shelf and custom reporting allows you to create bespoke consolidated reports and download for management reporting packs, at the touch of a button. Endless financial reporting happiness Save time with Joiin: Spend less time finding data and churning through spreadsheets every month. A super-easy app: Connect within minutes and see data whether at your desk or on the go. Highly flexible features: Create an accurate picture of inter-company finances with powerful features. Safe and secure: Keep your data protected with our robust end-to-end security & multi-factor authentication. Competitive & simple: Achieve automated consolidation and customisation without breaking the bank. Makes life easier: Create beautiful reports and presentations & collaborate more effectively along the way. With our dedicated support team on hand to ensure an easy transition, you'll be up and running in no time. Our comprehensive support package includes on-boarding, one-to-one technical support and a dedicated help centre. Simple, affordable pricing means that all features are included in all plans, while built-in end-to-end security gives you peace of mind to work safely and securely. Start your 14 day free trial. All of our features. No credit card required. Who Uses Joiin? Joiin is used by businesses, finance teams, accountants and advisors. Joiin is a B Corp Certified company.

Francis

francis.app

Francis is a financial planning platform that combines the flexibility from spreadsheets with dedicated FP&A features. With features for consolidation, budgeting, forecasting and reporting, Francis is purpose-built for finance teams in SMBs looking to automate manual processes and future-proof their financial planning. Learn more at www.francis.app

Feexle

feexle.com

Feexle made finance management for Digital Companies easy. Everything you need to start finance tracking: plan income, forecast expenses, and track your budget-all in one simple tool. Feexle makes it easy to create, update and share your financial plans, manage your runway, cash balance, burn rate, expenses and revenues.

Cashphlow

cashphlow.com

Cash forecasting at a weekly level is a best practice. But it is time consuming. It can take hours to create an error free forecast. Our software makes the process easy. And it can be used with ANY accounting system or without one. Ditch the spreadsheets and start today.

Brixx

brixx.com

Brixx financial planning software is designed for every stage of business. We develop unique financial planning and modelling applications that help our customers create comprehensive financial models and long-term forecasts that go beyond the scope of traditional spreadsheets. Our aim is to make your business forecasting and planning as simple as it can be. Many people worry about the finance side of their startup, business or even household budgets. With Brixx we attempt to break down some of the barriers between the lofty heights of the finance world and the new business owner. Our weekly blog posts cover a range of topics from cash flow forecasting, business and startup tips as well as recent updates to the software. These can help you with using Brixx as well as learning more about the entrepreneurial side of starting a business.

HedgeFlows

hedgeflows.com

HedgeFlows is a cloud-based treasury and risk management system for smaller corporates and scaleups that trade internationally. Integrate HedgeFlows with your accounting or ERP system and save up to 80% on managing global payments, liquidity and risks in 30 currencies with integrated analytics and seamless workflows. The company was founded in 2020 by industry experts, each experienced in running the global financial markets divisions of international banks. This experience has informed HedgeFlows’ design so that its users do not need to take long training courses nor rely on currency & treasury specialists to trade overseas. The platform leverages APIs and cloud-based data to help clients embed prudent principles into their existing processes and to capture timely insights that can assist “safer international growth without unnecessary costs”. HedgeFlows offers three modular solutions: 1) Multi-currency payments automation - Accurate & effortless payment automation for domestic and international invoices, reconciled in your ledger automatically in real-time. It saves time and effort, completely revolutionising how finance team can process vendor invoices and payments globally. 2) Cash visibility and management - for busy finance directors and managers who want full visibility as their business operates and grows internationally. Upgrade to the next-gen real-time reconciliations that keep your ledgers always in sync. As soon as your payments and transactions settle, HedgeFlows automatically applies them to invoices so that you can always be confident about your cash balances and focus on more valuable tasks instead of doing down the reconciliation spreadsheets. 3) FX Risk management - our award-winning FX Risk Management Platform ensures your finance team manages currencies and never gambles on them. Get full visibility from the moment FX risks arise and make informed and timely decisions without time-consuming processes or guesswork

Debtist

debtist.de

More growth, less cash flow stress – focus on what matters with Debtist as your receivables management and debt collection partner. As a global digital debt management and collection Partner we are not just a software tool, we actively increase your Cashflow and order to cash cycle through debt management, dunning & collection for both B2B and B2C debts and open invoices. Reduce risk through Credt checks, send automated payment reminders and let Debtist take over your dunning and legal claims. With letters, emails, phone calls, and SMS, Debtist actively handles all steps to recover the Cash. This relieves the financial team while simultaneously increasing cash flow and revenue. We integrate into your accounting stack, for seamless case collection, bringing you the real-time insights to increase your cash collection cycle from Credit checks, payment reminders up to debt dunning steps and legal case handlings.

Dunforce

dunforce.com

Dunforce transforms the way companies manage their payments. It is the first Intelligent Collection Agent, using AI and machine learning to solve this growing problem of late payments.

Banxa

banxa.com

Banxa (TSX-V:”BNXA”) is a Payments Service Provider (PSP) for the digital asset space. The company has a mission - to build the bridge between traditional financial systems and regulation and the digital asset space. Their goal is to onboard the general public to digital currency by building fully compliant payment infrastructure that enables simple and secure conversion of fiat currency to digital currency (e.g. USD/CAD to BTC/ETH). Banxa's flagship product is a “Plug-and-Play” Fiat Onramp which allows seamless access to digital currencies via multiple payment methods. The company’s product line is diversified by a B2B offering, or wholly owned, B2C (direct-to-consumer) websites. Upcoming products will focus around further development of digital payments, transfers and storage.

Kema

kema.co

Invoice payments platform that aims to accelerate cashflow for SMEs in MENA. We bring together everything you need to transform your invoices to cash: - Automate payment links for every invoices - pre-built payment gateways such as Telr, Checkout, Amazon Payments, Stripe, etc. - a suite of automation features for reminders, payment updates and reconciliation - Real time invoice management, A/R dashboards and analytics - All done through a simple one click plug-in for your favourite accounting systems such as quickbooks, xero, zoho, odoo, etc..

Trolley

trolley.com

Trolley is the end-to-end payouts platform built for the internet economy, helping businesses make and manage payouts to contractors around the globe. Finance and product teams across hundreds of organizations—including Envato, Downtown Music, Bugcrowd, GoTo, & Viral Nation—use Trolley to automate processes and enable payouts at scale. Annually, Trolley sends billions of dollars in 210+ countries and territories, with over 2.5 million total recipients on the platform. Trolley is on a mission to unlock the collective economic opportunity of the internet.

Glean.ai

glean.ai

Unlock the power of intelligent financial control with Glean.ai, the cutting-edge AP software that offers unparalleled strategic insights. Harness the advanced capabilities of artificial intelligence to gain a deep understanding of your vendor spend. Identify areas of overspending and optimize your purchasing decisions to maximize your ROI. Leverage Glean.ai's unique line-item analysis to automate prepaid amortizations, accruals, and GL coding, streamlining your accounts payable processes. Collaborate effortlessly with your team, negotiate better pricing with vendors, and drive cost efficiencies across your organization. Experience the future of AP software with Glean.ai and take your financial management to new heights. Key benefits: • Unmatched Intelligence & Visibility: See hard-to-detect trends, get deep insights into core drivers, and uncover areas of overspending to increase your ROI with vendors. • Time-Saving Automation: Eliminate manual tasks with automated data extraction, GL coding, bill approvals & payments, prepaid amortizations, automated accruals, and more. • Robust Data Benchmarking: Leverage Glean.ai's proprietary benchmarking data to negotiate better deals with your vendors and drive increased spend efficiency for your company.

Pazy

pazy.io

At Pazy, we're driven by a vision: to equip every finance leader with the power to understand every rupee spent, in real-time. We believe that seamless automation and insightful data should be the norm, not the exception, for finance leaders. Pazy is business spend management software that automates accounts payable workflows in real-time. The cloud platform streamlines invoice processing, approvals, accounting, and reporting.