A352, a software provider established in 2020, offers cash management solutions for mid-caps and fast-growing start-ups. Their product, the Financial Navigator, optimizes cash management, focusing on transparency, automation, and risk reduction. The company aims to expand its capabilities in the next five years, becoming the leading solution for European mid-caps and fast-growing enterprises. 

Can you describe your company in a few words? 

A352 is software provider building a cash management solution for businesses, targeting Mid-caps and fast-growing start-ups. The company was founded in 2020 by Dr. Jürgen Wolff, Christoph Lemoine, and Daniel Steinhauf, who previously built and exited PayCash Europe S.A. to Daimler, where it became MercedesPay.  

Our product, the Financial Navigator, enables our clients to make the most of their cash, by creating transparency, enabling automation, and reducing time and cost spent on daily finance and treasury tasks. 

Financial Navigator is a modular software, features are provided based on each client’s needs. We have clients operating on four continents and can execute payments also for non-Luxembourgish banks based on our multi-banking solution. In addition to multi-banking, and payments management, Financial Navigator offers cash flow forecasting, reporting, accounts payables management, and debt- / Investment management. 

“We constantly work to make the Financial Navigator more intuitive for users and expand its capabilities.”

How are your customers’ expectations changing and how are you adapting to them? 

Customers expect to digitalize their financial and treasury management processes further, particularly to automate previously manual tasks that were done in complex spreadsheets. The main goal of customers is optimizing their Cash Management, due to the fact, that money now cost money and interest rates went up, it is important for our clients to make sure that their liquidity is well managed. Parallel our customers increase transparency, save time through automation, and reduce the risk for human error in these processes.  

We constantly work to make the Financial Navigator more intuitive for users and expand its capabilities. We address the need for transparency with an audit log, which provides insights into all relevant user actions. Additionally, we automate cash reporting and update all bank balances overnight and convert foreign currencies with official ECB exchange rates. 

What is your company’s vision for the next 5 years? 

We plan to develop Financial Navigator into the cash and treasury management solution for Mid-Caps and fast-growing companies in Europe. The main goals are to enhance further our long-term forecasting abilities and features managing foreign currencies trading, investments, and portfolios as a whole.