Journey 6: Automated Financial Reconciliation & Bank Import

Scenario: End-of-month accounting reconciliation where the system auto-matches bank transactions to bookings, replacing manual bookkeeping. Actors: Accounting Team / Dispatcher.

1. [Backoffice] Bank Import: The Accounting Team uploads an MT940/CAMT bank statement file into the Financial Reconciliation module, establishing a reconciliation_upload context.
2. [Backoffice] Auto-Matching: The system parses each transaction and matches incoming payments to Booking or Invoice entities by reference number (Verwendungszweck). It marks matched transactions as reconciled; unmatched items surface in a review queue.
3. [Backoffice] Margin Analysis (Soll/Ist): For each reconciled departure, the system compares CostingSheet projections against FinancialLedger actuals — surfacing deltas for diesel, driver costs, and procurement. The Accounting Team sees that the Tyrol tour exceeded its diesel budget by 12% due to a detour.
4. [Backoffice] DATEV Export: The system exports reconciled data as a DATEV-compliant CSV, ready for the tax advisor. Zero manual data entry.