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tm5 from BELLIN
Cloud-based enterprise TMS for cash visibility, liquidity management, payment management, bank connectivity, intercompany netting, and compliance.
Product analysis by function
Treasury Management Systems (TMS) for Cash Management
Comprehensive platforms that integrate cash management, forecasting, and bank connectivity. These systems provide real-time visibility into global cash positions, automate reconciliation processes, and manage internal and external cash flows.
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Cash Positioning and Forecasting
(11 Yes /11 Known /12 Possible features)
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Real-Time Cash Visibility Ability to view consolidated cash positions across all bank accounts and entities in real time. |
Product description and vendor materials highlight real-time cash visibility across global accounts as a key feature of tm5. | |
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Cash Flow Forecasting Capability to generate cash flow predictions based on historical data, open payables/receivables, and user assumptions. |
Cash flow forecasting based on historical and real-time bank data is a marketed strength of tm5. | |
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Scenario Analysis Tools to model the impact of various cash flow scenarios. |
Scenario (what-if) analysis for liquidity planning and cash flow is featured in vendor documentation. | |
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Forecast Accuracy Reporting Metric to assess how closely forecasts match actuals. |
No information available | |
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Automated Bank Data Integration Direct feeds from banking partners for daily or intraday balance updates. |
Direct automated bank data integration is a standard feature (host-to-host, API, SWIFT, etc.). | |
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Multi-Currency Support Ability to operate and forecast in multiple currencies. |
tm5 supports multiple currencies for both payments and forecasting. | |
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Variance Analysis Automated comparison of forecasted versus actual cash positions. |
Variance analysis is built-in to compare forecasted vs. actual positions. | |
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Dynamic Forecast Adjustments System-guided updates to forecasts based on real-time or new transactional data. |
Dynamic, automated forecast updates based on new/real-time data are part of tm5's advertised functionality. | |
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Drill-Down Capability View supporting detail at transaction level for cash positions. |
The solution allows full drill-down to account and transaction detail. | |
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Automated Alerts System-generated notice when cash balances breach preset limits. |
Automated alerts and notifications for treasury operations (e.g., cash limits) are promoted in the product's overview. | |
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Historical Data Retention Access to archives of historical cash positions and forecasts. |
Historical cash position and forecast data retention and retrieval is standard in tm5 and referenced in marketing. | |
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Customizable Dashboards Personalized workspace for displaying relevant cash-related KPIs. |
tm5 dashboards are configurable and support custom KPI display. |
Bank Connectivity & Integration
(11 Yes /11 Known /11 Possible features)
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SWIFT Connectivity Direct integration with SWIFT network for message exchange with banks. |
SWIFT connectivity for payment and statement integration is cited as a core capability. | |
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Host-to-Host Integration Direct, secure file exchanges between TMS and partner banks. |
Host-to-host integration is a supported connectivity method for bank and ERP data. | |
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EBICS/Bank Protocol Support Support for regional electronic banking communication protocols. |
Support for EBICS and regional banking protocols is documented for tm5. | |
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Multi-Bank Access Ability to handle multiple bank relationships from a single platform. |
Multi-bank reporting and execution from a single interface is a highlighted feature. | |
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Automated Bank Statement Retrieval Automatic, scheduled download of electronic bank statements. |
Automated, scheduled electronic bank statement retrieval is a documented function. | |
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Straight-Through Processing (STP) Ability to process transactions end-to-end without manual intervention. |
Straight-through processing (STP) is core to tm5's automated payment workflow. | |
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API Connectivity Supports modern APIs for real-time connectivity and data exchange. |
Open API connectivity is referenced on tm5's technical documentation and marketing collateral. | |
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Customizable Integration Formats Ability to map and configure file formats (MT940, BAI2, CAMT, etc.). |
Customizable file formats for integration (e.g., MT940, BAI2, CAMT) are standard, per user and partner documentation. | |
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End-to-End Encryption Secure encrypted channels for all bank communications. |
End-to-end encryption used for secure bank connectivity is cited in security documentation. | |
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Third-Party Platform Integration Capability to connect with ERP, accounting, and other financial platforms. |
tm5 integrates with major ERP/accounting systems as cited by both the vendor and customer case studies. | |
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Automated Error Handling System handles failed transmissions and notifies users of issues. |
Automated handling of failed transmissions, with user notification is detailed in implementation guides. |
Payment Management
(11 Yes /11 Known /11 Possible features)
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Bulk Payment Processing Submission and management of batch payment files to banks. |
tm5 provides bulk payment processing through batch file upload and management. | |
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Payment Workflow Automation Automated approval workflows with support for multi-level authorizations. |
Payment workflow automation (including multi-level approvals) is a tm5 core feature. | |
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Fraud Detection & Prevention Built-in controls to identify unauthorized or suspicious payments. |
Payment fraud detection and prevention capabilities are referenced under tm5’s compliance and control features. | |
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Payment File Validation Checks for duplicate or erroneous payments before sending to banks. |
Validation of payment files prior to sending is a documented step in payment workflow. | |
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Payment Lifecycle Tracking Real-time monitoring of payment status (initiated, approved, sent, confirmed, etc.). |
Payment status tracking (initiation through to confirmation) is shown in product interface screenshots. | |
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Multi-Currency Payments Support for executing payments in multiple currencies. |
Multi-currency payment capabilities are a core element of tm5. | |
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Cut-Off Time Calculation System warns or blocks payments past daily bank cut-off times. |
The solution includes cut-off time warning and validation for bank payment processing. | |
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Payment Templates Reusable templates to streamline regular payment processes. |
Payment templates for recurring transactions are referenced as a productivity tool. | |
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Audit Logging Complete logs of all payment activity for compliance and traceability. |
Audit logging of payment activity is available for compliance and audit purposes. | |
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Regulatory Compliance Checks Automated screening for sanctions, anti-money laundering, etc. |
Sanctions and AML checks are referenced in the compliance features overview. | |
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Payment Limits & Controls Ability to set per-user or per-transaction limits. |
Payment limits and user controls are a standard security function. |
Liquidity Management
(10 Yes /10 Known /10 Possible features)
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Cash Concentration Setup Automated movement of funds from subsidiary accounts to master accounts. |
Cash concentration/zero balancing and pooling are detailed in the liquidity solutions brochure. | |
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Notional Pooling Support Ability to virtually offset cash balances across accounts for interest optimization. |
Notional pooling is referenced and supported for multinational liquidity planning. | |
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Physical Sweeping Rules Custom sweep instructions for systematic cash movement. |
Physical sweeping (cash movement rules for account flows) is an established use case. | |
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Short-Term Investment Recommendation Suggestions for deploying excess liquidity in short-term instruments. |
The system offers suggestions for deploying excess cash for short-term investments. | |
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Automated Investment Execution Ability to auto-invest surplus cash per defined policy. |
tm5 supports automated execution of short-term investments from excess liquidity. | |
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Intercompany Loan Management Management and record-keeping for internal lending/borrowing. |
Intercompany loan tracking and management is a core module according to product overview. | |
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Interest Allocation Engine Automated calculation/allocation of pool interest to participants. |
Interest allocation for pooling arrangements is documented in liquidity management functions. | |
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Liquidity Reporting Comprehensive reporting on available and utilized liquidity. |
Liquidity reporting is a base component included with tm5. | |
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Policy Compliance Monitoring Automated verification that liquidity transactions adhere to corporate policies. |
Policy and compliance monitoring (including workflow and segregation of duties) is covered. | |
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Real-Time Pool Position Instantaneous view of pooled cash positions. |
Real-time pool position across all entities is a feature offered. |
Risk Management & Analytics
(7 Yes /7 Known /8 Possible features)
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Credit Risk Reporting Analysis of counterparty and concentration risks. |
Credit risk reporting and analysis for counterparties/banks is referenced as part of the risk module. | |
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FX Risk Exposure Calculation Measurement and reporting of foreign currency exposures. |
FX exposure, analysis, and reporting are built into the platform. | |
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Value at Risk (VaR) Quantitative measurement of maximum potential loss over a period. |
No information available | |
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Interest Rate Sensitivity Analysis Assessment of impact of interest rate changes on cash and investments. |
Interest rate impact analysis on liquidity and investments is specifically listed in solution details. | |
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Scenario Stress Testing Ability to model the effect of adverse market events. |
Scenario stress testing for treasury risk is advertised as a risk management capability. | |
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Counterparty Limit Management Setting and monitoring limits for financial counterparties. |
Counterparty limit controls and monitoring tools are documented. | |
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Regulatory Compliance Dashboard Monitor compliance with all relevant treasury regulations. |
Regulatory compliance dashboards (incl. audit and policy checks) are in the standard package. | |
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Custom Analytics & KPIs Design and track custom risk metrics. |
Customizable risk analytics and user-defined KPIs are part of analytical toolset. |
Accounting and Reconciliation
(9 Yes /9 Known /9 Possible features)
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Automated Journal Entries Creation and posting of accounting entries for treasury transactions. |
Automated journal entry generation for treasury operations is a promoted capability. | |
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ERP System Integration Direct integration with corporate ERP/accounting platforms. |
ERP system integration (SAP, Oracle, others) is a main selling point of tm5. | |
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Bank Reconciliation Automated matching of bank statement items with ledger entries. |
Bank reconciliation and automated ledger matching is outlined in module summaries. | |
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Exception Handling Workflow Manage items that fail automated reconciliation. |
Exception handling workflow for reconciliation and accounting processes is supported. | |
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Multi-GAAP/IFRS Support Enable parallel accounting treatments as required. |
tm5 supports multiple GAAP and IFRS accounting treatments. | |
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Audit Trail for All Entries Track all changes and approvals for accounting records. |
Audit trail for all accounting entries is maintained for compliance and audit. | |
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Custom Chart of Accounts Mapping Flexible mapping of transaction types to accounting codes. |
Flexible mapping of chart of accounts to support multiple accounting setups. | |
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Automated Accrual & Amortization Calculation Scheduling of recurring accounting entries for accruals. |
Automated calculations for accruals and amortizations are provided. | |
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Manual Adjustment Interface User-friendly environment for ad hoc journal entries. |
Tool for manual journal adjustments is included in accounting module. |
Security & Controls
(8 Yes /8 Known /8 Possible features)
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Role-Based Access Control User permissions based on defined job responsibilities. |
Role-based access controls are central to system user/security management. | |
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Multi-Factor Authentication Advanced identity verification methods for system login. |
Multi-factor authentication is available on the cloud-based tm5 solution. | |
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Audit Logging Record of all user activity for compliance and review. |
Audit logging of all user/system actions is standard for compliance. | |
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Separation of Duties Enforcement Ensures no single user controls conflicting actions (e.g., initiation and approval). |
Segregation of duties and enforcement of approval chains is noted as a tm5 strength. | |
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Data Encryption at Rest & In-Transit Protects sensitive information at all times. |
Data encryption at rest and in transit referenced in technical documentation and security section. | |
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Configurable Approval Workflows Customizable rules for required sign-offs on transactions. |
Approvals for transactions and workflow are fully configurable. | |
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User Activity Monitoring Real-time dashboards of user operations and security events. |
System activity and user monitoring dashboards available to admins. | |
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Emergency User Lockout Ability to rapidly revoke access across the organization. |
Emergency user lockout is referenced in tm5's access and risk management protocols. |
Reporting and Business Intelligence
(9 Yes /9 Known /9 Possible features)
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Custom Report Builder Drag-and-drop or template-driven report creation. |
Flexible, drag-and-drop report building is highlighted in product literature. | |
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Pre-Defined Treasury Reports Out-of-the-box reports for common cash, exposure, and treasury operations. |
Predefined reporting templates for core treasury and cash KPIs are supplied. | |
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Scheduled Report Distribution Automated emailing or export of recurring reports. |
Automated, scheduled report generation/distribution available per configuration. | |
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Data Visualization Graphs, charts, maps, and dashboards to represent operational data. |
Comprehensive dashboard and visualization suite (graphs, charts) shown in tm5 screenshots and demos. | |
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KPI Tracking Ability to monitor, display, and set alerts on treasury performance indicators. |
KPI tracking and alerting are configurable through dashboards. | |
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Mobile-Friendly Reporting Access reports easily from tablets and smartphones. |
Mobile-friendly reporting and dashboards listed as available for iOS/Android and web. | |
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Ad Hoc Query Tools Search and pivot treasury data on demand. |
Ad hoc query and data pivoting capabilities are referenced in analytics module descriptions. | |
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Export to Multiple Formats Output reports in Excel, PDF, CSV, and other common formats. |
All major export formats (Excel, PDF, CSV) are supported. | |
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Audit Report Generation Produce audit-ready reports on controls, changes, and transactions. |
Audit reports for all transaction types and system changes are standard. |
System Administration & Maintenance
(8 Yes /8 Known /8 Possible features)
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User Management Console Central portal to create, manage, and deactivate user access. |
Centralized user management console is included in system administration. | |
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Automated System Updates Regular, vendor-supplied upgrades without downtime. |
Cloud updates and patches are applied automatically by vendor without customer downtime. | |
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Sandbox/Test Environment Environment for configuration, integration, and workflow testing. |
Test/sandbox environments are available for all customers for safe configuration and training. | |
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Change Management Workflows Formal processes for requesting and documenting system changes. |
Formal, documented change management workflows are part of system administration. | |
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System Health Monitoring Provides uptime, error tracking, and performance metrics. |
Uptime and system health dashboards are included for IT operations. | |
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Backup & Disaster Recovery Automated, regular backups and tested recovery procedures. |
Backup and disaster recovery processes are regularly tested and vendor-managed. | |
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Service Level Agreement (SLA) Defined uptime and support standards, typically agreed upon with vendor. |
SLAs for uptime and support are published in tm5 customer agreement documentation. | |
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API Administration Tools Management and monitoring of external API integrations. |
API administration and monitoring tools are included for system and connectivity management. |
User Experience & Collaboration
(7 Yes /7 Known /8 Possible features)
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Intuitive User Interface Easy-to-navigate, logical, and visually appealing system screens. |
tm5 platform user interface is highlighted for its modern, intuitive design. | |
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Customizable Workspaces Personalized dashboards and screen layouts. |
Workspaces and dashboards are fully user-customizable. | |
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Team Collaboration Tools Commenting, sharing, and workflow assignments within the system. |
The platform includes collaboration tools such as commenting, sharing and workflow assignment. | |
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Multi-Language Support Localized language options for global teams. |
Multi-language support is referenced for global teams using tm5. | |
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Help & Guided Learning Interactive help, tooltips, and guided product walkthroughs. |
In-app help and guided learning tools are available throughout the system. | |
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Mobile App Access Native or web-based mobile applications. |
Mobile app and web-based mobile access are referenced in product brochures. | |
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Accessibility Compliance Support for WCAG/ADA accessibility standards. |
No information available | |
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User Feedback Mechanisms Ability for users to submit feedback directly from the system. |
System allows users to submit feedback and improvement suggestions directly from within tm5. |
Implementation & Support
(8 Yes /8 Known /8 Possible features)
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Implementation Project Management Structured rollout with dedicated vendor/partner support. |
Implementation project management support is available via BELLIN's project methodology. | |
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Dedicated Support Team Tiered help desk and escalation procedures. |
Dedicated global support team available with tiered escalation. | |
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Training Materials & Sessions Comprehensive user and admin training resources. |
Training materials and scheduled training sessions offered as part of onboarding and ongoing support. | |
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Online Knowledge Base Continuously updated repository of troubleshooting and how-to information. |
Online knowledge base with product documentation and troubleshooting is available. | |
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Third-Party Consultant Support Availability of certified system integrators and consultants. |
Network of certified implementation consultants is referenced in service documentation. | |
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Customizable Onboarding Programs Tailored onboarding processes to fit organizational structure. |
Onboarding process is customized for each client, according to vendor project methodology documentation. | |
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Customer Community Forums User-to-user support and product improvement discussions. |
Customer forums for ideas, peer support and product discussion are listed as part of the tm5 ecosystem. | |
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24/7 Support Availability Round-the-clock customer service access. |
24/7 customer service described in SLA and global support documentation. |
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