The verdict in three sentences
A real-time cash flow dashboard for an SME in Abidjan costs, in 2026, between 4,000,000 and 11,000,000 FCFA depending on the number of banks and the forecast required. In a context where overdrafts are expensive and Mobile Money and transfers keep multiplying, steering cash on a monthly Excel is a handicap. Consolidating bank balances, receipts and disbursements in real time gives daily visibility and a reliable 90-day forecast.
Bank aggregation and data sources
The core of the project is to automatically pull the movements of each account and the accounting into a single view.
| Source | Connection type | 2026 integration cost (FCFA) |
|---|---|---|
| Bank accounts (per bank) | Bank API or statement import | 700,000 - 1,800,000 |
| Mobile Money (Wave, Orange) | API / export | 600,000 - 1,500,000 |
| Accounting (outstanding, due dates) | API or export | 800,000 - 2,000,000 |
| Billing (to be collected) | Connector | 500,000 - 1,200,000 |
| Purchases / suppliers (to be paid) | Connector | 500,000 - 1,200,000 |
| Multi-currency model FCFA/EUR/USD | Conversion, rates | 700,000 - 1,800,000 |
Forecast, alerts and maintenance
A good dashboard does not only show the present: it projects the cash position and alerts before the low point.
| Function | Detail | 2026 cost (FCFA) |
|---|---|---|
| Rolling 90-day forecast | Expected inflows/outflows | 1,000,000 - 2,500,000 |
| Balance threshold alerts | Email / SMS / WhatsApp | 500,000 - 1,200,000 |
| Scenarios (optimistic/pessimistic) | Simulation | 700,000 - 1,800,000 |
| View per entity / project | Multi-company | 800,000 - 2,000,000 |
| Annual maintenance | 12-18% of project | 700,000 - 2,000,000 / yr |
Mini case study
Mr. Kouame, finance director of a 120-person distribution SME in Abidjan, manages 4 bank accounts and 2 Mobile Money accounts. Today he consolidates manually each week, with a multi-day lag, which last year generated about 8,200,000 FCFA in overdraft interest and fees for lack of anticipation. The project, quoted at 7,500,000 FCFA, sets up daily aggregation, a 90-day forecast and threshold alerts. By anticipating low points, he halves overdraft costs (a saving of about 4,100,000 FCFA/yr) and removes about 4 hours of weekly consolidation. Payback in just under 18 months on overdraft costs alone.
FAQ
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Can all local banks be connected?
It depends on each bank's API exposure. Where there is no API, we set up an automated statement import (standard format) refreshed daily, still far faster than manual entry.
Is Mobile Money integrated?
Yes, Wave and Orange Money are key sources for an Ivorian SME. Their movements are aggregated with bank accounts for a complete cash view.
How up to date is the data?
Daily at minimum, several times a day where APIs allow. The forecast recalculates automatically at each refresh.
Do you handle multiple currencies?
Yes. The multi-currency FCFA/EUR/USD model applies daily rates and lets you steer cash exposed to import/export.
What maintenance budget should we plan?
Budget 12 to 18% of project cost per year, i.e. 700,000 to 2,000,000 FCFA, to cover bank-API changes and adding accounts or indicators.
Let's scope your project. Tell us the number of bank and Mobile Money accounts, your accounting software and your forecasting needs, and we will cost the scope. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
