- Aderis uses bLink’s Account Information Service (AIS), Payment Submission Service (PSS) and consent flow.
- Payment files and bank statements no longer need to be exchanged manually between accounting and e-banking.
- Bank transactions are automatically reconciled in Aderis against open receivables and payables, traceable to source.
Aderis has implemented bLink, SIX’s open banking platform. Businesses using Aderis connect their bank accounts directly to the platform through bLink’s standardised consent flow. They can retrieve account and transaction data, including historical data, and submit payment instructions directly from the Live Finance Platform to their bank.
Where finance still stops today
In many businesses, the payment process still runs across several systems:
Accounting → payment file → e-banking → bank statement → accounting → manual reconciliation
Payment instructions are exported and uploaded to e-banking, then bank statements are imported back into accounting. The final step takes the most time: every incoming and outgoing bank transaction has to be matched to an open receivable or payable.
This reconciliation usually happens retrospectively, at the end of the day or period. Until then, the ledgers show a position that lags behind the bank. A bank interface alone changes little. What matters is what happens to the bank data once it enters the finance process.
Bank data in the ongoing finance process
With bLink, this chain becomes an end-to-end process. Payments for due supplier invoices are approved in the Live Finance Platform, grouped into a payment run and sent directly to the bank. The bank response flows back automatically and shows whether each payment run was submitted, accepted or rejected.
The bank transactions are then reconciled with open items on the AI-native core and carried into subsequent finance processes, from posting through to the liquidity view. Manual file uploads and imports are no longer required. Reconciliation is no longer an end-of-day task; it runs continuously in the background.
This is particularly relevant for businesses with multiple entities. The platform brings entities, ledgers and currencies together on one shared core, so bank connections across different entities are managed in the same platform.
Banking as part of Live Finance
Live Finance does not end with posting. As long as payments, bank transactions and reconciliations happen outside the platform, every figure remains a step behind the business. Only when they come together in the same finance process can finance operate with the business rather than behind it.
bLink provides the standardised connection to Swiss banks. We bring this data directly into the ongoing finance process: payments, bank transactions and reconciliations come together in our Live Finance Platform and remain traceable to source. This keeps finance in step with the business, with a financial view that remains continuously current.
Which banks are connected?
Through bLink, Aderis can connect bank accounts at institutions including:
- Aargauische Kantonalbank
- acrevis Bank
- AEK BANK 1826
- Alpha RHEINTAL Bank
- Alternative Bank Schweiz
- Bank Avera, Bank BSU
- Bank EEK
- Bank EKI
- Bank Gantrisch
- Bank in Zuzwil
- Bank Lienhardt & Partner
- Bank SLM
- Bank Thalwil
- Bank WIR
- Banque Cantonale du Jura
- Banque Cantonale Vaudoise
- Basler Kantonalbank
- BBO Bank Brienz Oberhasli
- Berner Kantonalbank
- Bernerland Bank
- Bezirks-Sparkasse Dielsdorf
- Burgerliche Ersparniskasse Bern
- CEDC, CIC (Schweiz)
- Clientis Banken
- DC Bank
- Ersparniskasse Affoltern i.E.
- Ersparniskasse Rüeggisberg
- Ersparniskasse Schaffhausen
- Glarner Regionalbank
- Hypothekarbank Lenzburg
- Leihkasse Stammheim
- Luzerner Kantonalbank
- Nidwaldner Kantonalbank
- PostFinance
- Regiobank Solothurn
- Saanen Bank
- Schwyzer Kantonalbank
- Spar- und Leihkasse Bucheggberg
- Spar- und Leihkasse Frutigen
- Spar+Leihkasse Riggisberg
- Sparkasse Schwyz
- St.Galler Kantonalbank
- Thurgauer Kantonalbank
- UBS
- Valiant
- Zuger Kantonalbank
- Zürcher Kantonalbank
- Zürcher Landbank
SIX maintains the complete and current overview of bLink participants (qs of October 2026).
Aderis has already completed approval as a bLink Service User in the ESPRIT Network. In addition, the platform natively supports Swiss payment standards, including ISO 20022, the QR-bill and CAMT bank statements.
Control remains part of the system
As automation increases, what matters is not only how quickly a process runs, but whether it can be reviewed. bLink’s consent flow governs approval for the exchange of data between the business, the bank and the platform.
Each bank transaction therefore remains linked to the corresponding payment, open item and posting. The banking integration follows the same principle as the rest of the platform: processes run autonomously, while data, approvals and postings remain traceable to source.
