A transaction is authorised. A balance moves. A confirmation appears. To the customer, everything looks fine. Inside the bank, however, something does not quite line up. A timing mismatch. A duplicated message. A partial reversal. A settlement that arrives late, or not at all.These moments rarely make headlines. But they are where confidence is either reinforced or slowly eroded. They are also where the bank of tomorrow is being tested every day. Payments reconciliation is not a back-office function. It is ...