What is Bonabanco?

Bonabanco is a Polish fintech dedicated to the transport and logistics (T&L) industry. The company specializes in providing financial solutions, such as factoring, and tools that support payment management for carriers. Their mission is to improve the financial liquidity of transport companies and simplify complex administrative processes. At the heart of their ecosystem is Calypso, a proprietary platform used for managing orders and settlements.

Challenge

Bonabanco’s primary clients are road carriers who fulfill transport orders sourced from external freight exchanges and platforms. The traditional freight settlement process was an operational bottleneck. After completing an order, carriers must upload complete documentation (e.g., CMR waybills) to the system.

Manual verification of these documents by staff was:

• Time-consuming – it required cross-referencing data from paper documents with information in the Calypso TMS system.
• Time-constrained – processes only took place during office hours, which delayed payments submitted during weekends or evenings.
• Prone to error – at a high scale of operations, it was easy to make mistakes in data validation, which blocked the ability to issue quick payouts to drivers.

Solution

To optimize the process, Bonabanco implemented an advanced Robotic Process Automation (RPA) solution. The robot acts as an intelligent link between the carrier’s documentation and the Calypso system.

• Automated Scanning: As soon as a carrier uploads documents to the system, the robot immediately gets to work.
• Intelligent Validation: The robot checks for document completeness and verifies whether the data on the CMR waybills aligns with guidelines and information stored in the Calypso TMS.
• Data Integration: Upon successful validation, the robot transmits the complete set of information directly to Bonabanco, triggering the payment process.

Results

The implementation of the robot has delivered tangible benefits for both Bonabanco and its clients:

• Instant Payments: Thanks to automation, drivers receive their funds significantly faster. Reducing the wait time for transfers makes carriers more likely to choose Bonabanco as their financial partner.

• 24/7 Operations: The robot requires no breaks—it processes documents through the weekends, eliminating Monday payment bottlenecks.

• Scalability: The system processes a much higher volume of documents in less time, without the need to increase headcount in the administration department.

• Security and Precision: Automated validation has eliminated human error in the verification of CMR documentation.