The scope of this blog post is to describe the high-level architecture and the configuration steps required to integrate SAP S/4HANA Cloud Essentials into banks using SAP Multi-Bank Connector (MBC) deployed on SAP Business Technology Platform. SAP MBC connects banks and other financial institutions with corporate customers on a secure network owned and managed by SAP. It creates a multi-bank, digital channel between ERP systems and banks that offers embedded SWIFT and EBICS connectivity.

There is an abundance of documentation available on SAP MBC, but unfortunately, it is not very relevant to SAP S/4HANA Cloud Essentials. However, we asked SAP to update its best practice “explorer test script” documentation during our implementation journey as it does not describe the end-to-end technical components of the MBC.

 

Sravya Talanki

Director

SAP Multi-bank Connector – Technical Architecture

MBC is a combination of SAP Managed CPI version deployed on SAP Business Technology Platform, which is compliant with the banking security standards. Plus, SPRO Configuration, which will be activated on SAP S/4HANA Cloud Essentials backend when you purchase 16R Scope Item on SAP S/4HANA Cloud Essentials. (SPRO won’t be available for users on S/4HANA Cloud Essentials).

Steps to configure the connectivity between MBC and S/4HANA Essentials:

1. Once you purchase the 16R Scope Item, SAP will provide you with an SAP Global Account with MBC subaccounts on the SAP Business Technology Platform for test and production environments, respectively.

2. Once SAP Team provides the subaccount, you will need to give SAP Team full BTP Developer and CPI permissions for accessing and testing MBC FLOWS. You can give yourself permissions as well, but you don’t need to do this unless you want to check the messages or conduct end-to-end connectivity tests along with SAP Teams.

3. You will then need to raise an incident to SAP Team to open the connectivity between SAP S/4HANA Cloud Essentials and Exchange Certificates and assign it to the incident group LOD-FSN-INT.

4. Assign the role BR_BANK_INT_SPECIALIST in SAP S/4HANA Cloud Essentials to see Manage Bank Messages App.

5. If you have an issue with encryption or seeing messages in the Manage Bank Messages App, you need to raise an incident again and assign it to the LOD-FSN-INT incident group.

6. You will need to work with Banks to fill up an SAP questionnaire template that SAP provided to the client.

7. SAP will then change the configuration of the bank connection endpoints to the client credentials.

8. When a customer goes live, the tenant is monitored by the SAP support team. L1 teams initially investigate any failures /retries /escalations, and then L2 teams will be notified to resolve the issue. On top of this, the customer is notified via ticket if the problem is not quickly fixed.

High-level Integration Architecture

The below diagram depicts the high-level end-to-end architecture of the SAP S/4HANA Cloud Essentials -> MBC -> Bank interfaces.

SAP S/4HANA Cloud Essentials – Fiori Apps

The table below provides a list of Fiori apps used in SAP S/4HANA Cloud to process payments and bank statements.

INTERFACE
SAP FIORI APPS
FUNCTIONALITY PROVIDED
Inbound Bank Statements
Manage Bank Statements (F1564)
Pull and display bank statements from SAP MBC.
Inbound Bank Statements
Manage Bank Messages (F4385)
MBC Tenant to MBC Connector – automatically uploads bank statements into S/4HANA using a polling job. Re-run upload bank statements if required. This new app allows users to monitor the status of messages sent to and received from banks via SAP MBC. Users can view failed messages, trigger reprocessing and download messages to initiate the next steps. Users can also be notified if a message requires attention.
Inbound Bank Statements
Bank Statement Monitor
This app is used to monitor all bank statements received.
Outbound Payment Files
Manage Automatic Payments
Validate payment files. Generally in this phase test files can contain 1-3 transactions per file. Bank specific payment media is generated and an accounting document is posted. Navigation to the corresponding batch is located in Monitor Payments & Approve Bank Payments.
Outbound Payment Files
Monitor Payments
Display the S/4HANA payments approval status: 'in approval', 'approved' or 'sent to the bank'.
Outbound Payment Files
Approve Bank Payments
Automatically routes the approved payment messages to MBC. The scheduled job that will push the messages to SAP MBC is in the next step.
Outbound Payment Files
Manage Bank Messages (F4385) Verify file sent to MBC and send payment Instruction to MBC
Following a payment run, payment messages can be sent to the relevant bank automatically via SAP MBC - the MBC payment files are created automatically and messages are pushed to the MBC system. This app will show the audit log of all messages received/sent from/to the SAP MBC system.
Outbound Payment Files
Monitor Situations (F3264)
Lists all bank statement/payment messages that are not processed correctly based on situation type - configured according to the client requirements.

Monitoring MBC Interfaces

SAP S/4HANA Cloud provides the following apps to monitor bank statements and payments.

Monitor messages sent from/to SAP S/4HANA Cloud from/to SAP MBC

Monitor bank statements

Monitor payments

Monitor situations