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Industries · Banking & Insurance
Around the core business system, a management foundation that holds up to scrutiny.
Core banking and insurance systems stay with their vendors. Everything around them — finance, consolidation, procurement, fixed assets, human resources, reporting — must be reliable, auditable and fast. That is where S/4HANA makes the difference, for Morocco’s banks and insurers and for the groups that extend across French-speaking Africa.
The problem
Entities that multiply, a close that cannot wait.
Subsidiaries by country, finance companies, insurance companies, asset management firms: Moroccan and pan-African banking and insurance groups stack up entities, master data and charts of accounts. Every close becomes a manual reconciliation exercise; every request from the regulator, a bespoke extraction; every supplier invoice, a document to re-key.
Meanwhile, the 2027 end-of-maintenance deadline for SAP ECC requires an S/4HANA scenario to be settled in an environment where service continuity and security are non-negotiable. We help you decide, then we deliver.
The stakes
What is at play between the core business system and the balance sheet.
- Close & consolidation
A single Universal Journal for all entities, faster local closes, tooled group consolidation and traced restatement entries. Moroccan chart of accounts and international standards held on the same foundation.
- Procurement & fixed assets
Branches, head offices, IT equipment, service contracts: indirect procurement under control, a tooled Procure-to-Pay cycle and a fixed-asset base tracked from acquisition to disposal.
- Regulatory & prudential reporting
Answering the regulator with figures that come from the system, not from reconstructed spreadsheets. Reliable financial data is the precondition for defensible reporting, whatever framework is requested.
- Data governance
Business partner, supplier, product and entity master data shared between the core business system, finance and analytics: a single truth, controlled access rights, a complete audit trail.
- Security & auditability
Segregation of duties, authorisation management, logging: the management system of a financial institution must withstand internal, external and regulatory audit, by design.
Use cases
Where SAP, data and AI change the daily life of your teams.
Document AI on management documents
Supplier invoices, expense claims, service contracts, in French and Arabic: automatic extraction, control and reconciliation, integrated into the S/4HANA core, with human supervision proportionate to the risk.
Faster multi-entity close
Shared closing calendar, automated tasks, tooled intercompany reconciliations: a close that the finance function steers, instead of enduring.
Group performance management on SAP Analytics Cloud
Costs by entity, by network and by activity; overheads, fixed assets, purchase commitments: a dashboard fed by the system, from head office to subsidiary.
Assistants for support functions
Joule and targeted agents for accounts payable, procurement and internal requests: answer, prepare, check; a human validates.
Pan-African group core model
A management model designed at head office, deployed country by country with its localisations, currencies and local obligations, without reinventing the system for every subsidiary.
Secure run, nearshore
Application Management from Casablanca with service commitments, level-3 expertise and authorisations managed as in a financial institution.
SAP solutions
The SAP solutions for the sector.
From the S/4HANA financial core to consolidation, procurement and analytics, we assemble the ecosystem around your core business system, without replacing it.
Why INTENOV
The rigour of a financial institution, the agility of a team in Casablanca.
The experts who scope your finance trajectory are the ones who deliver it, with SAP Activate as the framework and Moroccan requirements addressed from the design stage. The group’s AI Centre of Excellence industrialises Document AI on your management documents; the nearshore service centre handles the run, one hour from Paris, in French, Arabic and English.
Meet us
Talk about your transformation with an expert who delivers it.
Thirty minutes with a senior expert, in Casablanca or by video call, just enough time to understand your context and see whether we can be useful to you. No more than that.
Talk to an SAP expert →