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June 23, 2026
How to Supercharge Your Finance Operations by Connecting Your TMS and ERP
One of the biggest pain points in a CFO's financial stack is the lack of connectivity between core systems. A key example is disconnected data across the Enterprise Resource Planning (ERP) and Treasury Management System (TMS), which creates inefficiencies, increases operational risk, and slows down decision-making. In this post, we take a closer look at how ERPs and TMS platforms work together and why connecting them properly is so important.
Peter Nguyen Andersson
Co-Founder & CSO
What sits in the ERP
The ERP is the system of record for finance. It typically covers:
- General ledger
- Accounts payable and receivable
- Chart of accounts
- Fixed assets
- Intercompany accounting
- Tax reporting
It serves as the source of truth for financial activity and supports accounting, reporting, and compliance.
What sits in the TMS
The TMS is the system of action for treasury. Key areas include:
- User management, approvals, and segregation of duties
- Connectivity across banks, payment service providers, custodians, and other financial counterparties
- Cash and liquidity management
- Payments, execution, and transaction workflows
- AI-driven analytics, forecasting, and reporting
It provides visibility and enables efficient management of capital, liquidity, and risk, while acting as a control layer across financial workflows.
Where the problem sits
When ERP and TMS systems are not properly connected, organisations often rely on sub-optimal processes such as:
- Manual creation of journal entries
- Manual payment workflows reliant on bank portals
- Weak or bypassed four-eyes controls
- Incomplete capture of balance and transaction data in treasury analytics
- Fragile, spreadsheet-driven processes
This slows down operations and introduces unnecessary risk.
How Bond approaches this
Bond integrates directly with ERPs such as Oracle NetSuite, Microsoft Dynamics 365 Business Central, and Sage. With a proper integration in place, data flows both ways in real time via APIs:
- Payment instructions and transactional data flow from the ERP into the TMS
- The TMS validates and enriches this data before routing it to banks for execution
- Bank data such as balances, statements, and confirmations flows back into the TMS
- The TMS prepares double-entry journals in a sub-ledger, which are then synced into the ERP to support reconciliation and accounting
This creates a continuous data loop and ensures both systems are working from the same, up-to-date information. By connecting ERP and TMS in real time, and layering in validation, controls, and analytics, Bond helps finance teams streamline workflows and reduce operational risk.
The impact
Getting this right has a clear impact:
- Improved data accuracy and consistency across systems
- Less manual work and fewer operational errors
- Faster and more reliable month-end close
- Real-time visibility over cash and liquidity
- Better forecasting, risk management, and decision-making
Ultimately, better connectivity allows CFOs and treasury teams to spend less time fixing data and more time making decisions.
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Bond Financial Technologies Ltd (FCA Number: 989936) is an appointed representative of Talbot Capital Limited, which is authorised and regulated by the Financial Conduct Authority. Bond Financial Technologies Ltd registered address is Second Floor, Berkeley Square House, London, United Kingdom, W1J 6BD. The information and the services referred to on our site are directed at professional clients, eligible counterparties and retail clients. However, retail clients may only rely on the information herein in relation to corporate finance business. If you have any doubts about your status you must not access our site. This website is for information purposes only. Nothing herein shall be construed (i) as an official confirmation and/or (ii) as advice or a recommendation. Please note that you are required to have read and accepted the terms of our Privacy Policy & Terms of Use before you are able to access our website.