For Banks and Financial Institutions

The DORA and CSRD regulations have rewritten the rules of banking procurement.

Fluenta One helps turn compliance into a competitive advantage — not a liability.

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REGULATORY CONTEXT

Why now?

The financial sector faces three parallel regulatory pressures, each with direct implications for procurement.

DIGITAL OPERATIONAL RESILIENCE ACT
(DORA)

DORA establishes a unified framework for managing ICT risks across the EU's entire financial sector.

SCOPE 3 AND SUSTAINABILITY DUE DILIGENCE
(CSRD + ESG)

Under the CSRD, banks must report not only on their own environmental and social impact, but on that of their entire supply chain.

DIGITAL TRANSFORMATION AND AI GOVERNANCE

Financial regulators across Europe expect AI-driven processes to include human oversight, decisions to be fully auditable, and the entire procurement value chain to operate in a digitised, traceable format.

These requirements cannot be met with spreadsheets and email chains.
They require a structured, auditable platform.

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THE PROBLEMS

Banking procurement faces three challenges today

01

Fragmented contracts — no unified ICT vendor registry

DORA requires a central Register of Information covering all ICT suppliers. In most institutions, this data is scattered across departments, spreadsheets, and PDFs.

Consequence: No consolidated risk profile in the event of a regulatory audit. The risk of fines is real.
02

Collecting ESG data from suppliers

The CSRD requires documentation of the sustainability performance of the entire supply chain. The majority of SME-tier suppliers do not hold this data in a structured format.

Consequence: Manual data collection at the required depth is not feasible. Meeting reporting deadlines becomes a risk in itself.
03

Email-based processes — no real audit trail

Approval workflows, RFx processes, and supplier decisions run through email chains that can be altered, lost, or not reliably reconstructed.

Consequence: The auditability standards expected by regulators cannot be met. A supervisory audit poses a serious risk.
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THE SOLUTION

From problem to solution

Requirement / Problem Fluenta One Feature What it solves
DORA ICT Register of Information CLM + Compliance Automatically generates the required registry with risk classification.
DORA — continuous supplier monitoring Compliance Tracks certifications (e.g., ISO 27001) and compliance status across the full lifecycle.
DORA — mandatory contract clauses CLM Automatically verifies the presence of DORA clauses in every new contract.
CSRD / ESG — Scope 3 data Vendor Management + Compliance Structured questionnaires in the supplier portal, linked to sustainability KPIs.
Auditable approval workflows Workflow Every decision step is recorded, retrievable, and immutable.
Human-in-the-loop AI Full platform Mandatory human approval at critical decision points — a core architectural principle.
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CROSS-ENTERPRISE WORKFLOWS

Compliance is enforced across the entire supply chain

In Fluenta One, workflows do not stop at the bank's internal boundaries. Suppliers connect directly as active participants in the process.

CONTROL POINTS

The system automatically blocks a purchase order until the supplier has completed the DORA risk questionnaire or uploaded a valid ESG certificate.

STRUCTURED COMMUNICATION

Every message is tied to the relevant transaction — not handled via email, but through a structured interface.

FULL VISIBILITY

Management can see exactly where a compliance process has stalled on the supplier side — and intervene immediately.

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FLEXIBLE SOLUTION

A solution that scales with your institution

Large banks

Where a large bank already operates an enterprise ERP system, the primary challenge is typically not a lack of technology — it is a lack of flexibility. Global or parent-company platforms adapt slowly to local regulatory changes: incorporating a new directive or regulatory update can take months, while compliance deadlines do not wait.

Fluenta One sits alongside existing infrastructure as an agile compliance layer — local requirements can be embedded into processes immediately, existing ERP data stays in sync, and no core systems need to be replaced.

Smaller and mid-sized institutions

Smaller institutions face the same stringent DORA and ESG requirements as major banks — with a fraction of the resources. Without an enterprise procurement platform, compliance processes typically run through email and spreadsheets, creating both auditability risk and administrative burden.

Fluenta One provides a complete platform that requires no lengthy implementation project: the system can go live within two weeks, with the Fluenta team actively supporting the build-out of banking processes from day one.

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MEASURES

Measurable outcomes

20%

Average auction savings

Through competitive electronic tendering

~1 week

Process lead time

Dramatically reduced cycle times following go-live

12–18 months

Return on investment

Average ROI across the Fluenta customer base

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AI AGENTS

AI in the platform

What the AI does

Risk classification

Automatically ranks suppliers by criticality based on their impact on the bank's operations.

Anomaly detection

Identifies irregular invoicing patterns before payment is processed.

Contract risk flagging

Automatically flags contracts missing mandatory DORA clauses.

Guided procurement

Provides recommendations for compliant and cost-effective decision paths.

Human oversight — always

At critical decision points — supplier selection, contract signing, payment approval — the system always requires human sign-off. This is a core architectural principle, not a configurable option.

It meets the human-in-the-loop expectations set out in European financial regulatory guidance.

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COMPARISON

Why an ERP extension is not enough?

Criterion ERP Extension Fluenta One
Local regulatory adaptation 12–18 month implementation Configurable within weeks
Automatic DORA Register generation Typically not available natively Built-in and automated
ESG questionnaires for suppliers Requires custom development Ready-made templates in the supplier portal
Cross-enterprise workflow Limited Native functionality
AI — bolt-on vs. native Retrospectively integrated module Core of the architecture
Data autonomy Parent system dependency Full export at any time, no vendor lock-in

The DORA compliance deadline has passed. ESG reporting is already mandatory.

The next step is to explore how Fluenta One can help secure compliance across your organisation.

Let's talk

The sooner you start, the sooner you experience the benefits.

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Testimonials

Don't take our word for it, take theirs

mavir
MAVIR

The implementation of the Fluenta Compliance module at our company was smooth and quick, and we have received all necessary support from the Fluenta Europe Ltd. Customer Success team.

Anna Fritz-Körmendi
Procurement manager
otp
OTP Bank Nyrt

Using the Fluenta Auction and Sourcing modules to manage our processes in a secure, simple, traceable and auditable way has made our work much easier.

Dr. Balázs Lukovics
Debt collection advisor
jhon carter avatar image
E.ON Supply chain

We've been using Fluenta's Auction and Sourcing modules for years and we're very satisfied with them. We like the fact that the system is simple and quick to use and easy to learn for new colleagues.

Péter Szabó
Global Category Manager
kathie corl avatar image
ELTE

With Fluenta, the lead times for our previously lengthy order processes have been reduced from 30-45 days to an average of 7-10 days, with some orders being fulfilled in as little as a day.

Tamás Nováki
Director General of Technical Services
mavir
MAVIR

The implementation of the Fluenta Compliance module at our company was smooth and quick, and we have received all necessary support from the Fluenta Europe Ltd. Customer Success team.

Fritz-Körmendi Anna
Procurement manager
otp
OTP Bank Nyrt

Using the Fluenta Auction and Sourcing modules to manage our processes in a secure, simple, traceable and auditable way has made our work much easier.

Dr. Lukovics Balázs
Debt collection advisor
jhon carter avatar image
E.ON Supply chain

We've been using Fluenta's Auction and Sourcing modules for years and we're very satisfied with them. We like the fact that the system is simple and quick to use and easy to learn for new colleagues.

Szabó Péter
Global Category Manager
kathie corl avatar image
ELTE

With Fluenta, the lead times for our previously lengthy order processes have been reduced from 30-45 days to an average of 7-10 days, with some orders being fulfilled in as little as a day.

@kathiecorl
mavir
MAVIR

The implementation of the Fluenta Compliance module at our company was smooth and quick, and we have received all necessary support from the Fluenta Europe Ltd. Customer Success team.

Fritz-Körmendi Anna
Procurement manager
otp
OTP Bank Nyrt

Using the Fluenta Auction and Sourcing modules to manage our processes in a secure, simple, traceable and auditable way has made our work much easier.

Dr. Lukovics Balázs
Debt collection advisor
jhon carter avatar image
E.ON Supply chain

We've been using Fluenta's Auction and Sourcing modules for years and we're very satisfied with them. We like the fact that the system is simple and quick to use and easy to learn for new colleagues.

Szabó Péter
Global Category Manager
kathie corl avatar image
ELTE

With Fluenta, the lead times for our previously lengthy order processes have been reduced from 30-45 days to an average of 7-10 days, with some orders being fulfilled in as little as a day.

@kathiecorl
mvm
MVM Services Zrt

Our suppliers have also quickly got used to Fluenta, and we usually receive positive feedback from them about the system and Fluenta's customer support, because their general experience is that their questions and problems are solved promptly.

Balázs Sörös
Head of Procurement
MVM Services Zrt.
bkk
BKK

With Fluenta Workflow, we manage around 2000 business processes a year. These include procurement and public procurement procedures, initiating withdrawals from framework contracts, initiating contract amendments and exercising contract options. Our experience has been very positive. As a result, we have become more efficient and our processes have become significantly shorter and more transparent.

Ferenc Horváth
Procurement Strategy Lead
andy smith avatar image
BIS Hungary Kft

We have been using Fluenta successfully for years, and I was personally in charge of its implementation on behalf of our company. By the end of the implementation, the system was fully tailored to our company's needs, everything was designed according to our requests and schedule

Péter Kurali
Director of Purchasing
mike warren avatar image
Soproni Egyetem

We use Fluenta to track undertakings. It is very important for us to manage the approval process in a secure, audited system. We also like the fact that there is efficient communication within the system, for example, we can easily add comments and upload attachments in case of missing information.

Anita Számné Pintér
Coordination staff member
mvm
MVM Services Zrt

Our suppliers have also quickly got used to Fluenta, and we usually receive positive feedback from them about the system and Fluenta's customer support, because their general experience is that their questions and problems are solved promptly.

Sörös Balázs
Beszerzési kompetencia központ vezető
bkk
BKK

With Fluenta Workflow, we manage around 2000 business processes a year. These include procurement and public procurement procedures, initiating withdrawals from framework contracts, initiating contract amendments and exercising contract options. Our experience has been very positive. As a result, we have become more efficient and our processes have become significantly shorter and more transparent.

Horváth Ferenc
andy smith avatar image
BIS Hungary Kft

We have been using Fluenta successfully for years, and I was personally in charge of its implementation on behalf of our company. By the end of the implementation, the system was fully tailored to our company's needs, everything was designed according to our requests and schedule

Kurali Péter
Director of Purchasing
mike warren avatar image
Soproni Egyetem

We use Fluenta to track undertakings. It is very important for us to manage the approval process in a secure, audited system. We also like the fact that there is efficient communication within the system, for example, we can easily add comments and upload attachments in case of missing information.

Számné Pintér Anita
Coordination staff member
mvm
MVM Services Zrt

Our suppliers have also quickly got used to Fluenta, and we usually receive positive feedback from them about the system and Fluenta's customer support, because their general experience is that their questions and problems are solved promptly.

Sörös Balázs
Beszerzési kompetencia központ vezető
bkk
BKK

With Fluenta Workflow, we manage around 2000 business processes a year. These include procurement and public procurement procedures, initiating withdrawals from framework contracts, initiating contract amendments and exercising contract options. Our experience has been very positive. As a result, we have become more efficient and our processes have become significantly shorter and more transparent.

Horváth Ferenc
andy smith avatar image
BIS Hungary Kft

We have been using Fluenta successfully for years, and I was personally in charge of its implementation on behalf of our company. By the end of the implementation, the system was fully tailored to our company's needs, everything was designed according to our requests and schedule

Kurali Péter
Director of Purchasing
mike warren avatar image
Soproni Egyetem

We use Fluenta to track undertakings. It is very important for us to manage the approval process in a secure, audited system. We also like the fact that there is efficient communication within the system, for example, we can easily add comments and upload attachments in case of missing information.

Számné Pintér Anita
Coordination staff member
mavir
MAVIR

The implementation of the Fluenta Compliance module at our company was smooth and quick, and we have received all necessary support from the Fluenta Europe Ltd. Customer Success team.

Fritz-Körmendi Anna
Procurement manager
otp
OTP Bank Nyrt

Using the Fluenta Auction and Sourcing modules to manage our processes in a secure, simple, traceable and auditable way has made our work much easier.

Dr. Lukovics Balázs
Debt collection advisor
jhon carter avatar image
E.ON Supply chain

We've been using Fluenta's Auction and Sourcing modules for years and we're very satisfied with them. We like the fact that the system is simple and quick to use and easy to learn for new colleagues.

Szabó Péter
Global Category Manager
kathie corl avatar image
ELTE

With Fluenta, the lead times for our previously lengthy order processes have been reduced from 30-45 days to an average of 7-10 days, with some orders being fulfilled in as little as a day.

Tamás Nováki
Director General of Technical Services
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