Distributed Ledger-Linked Bank Statement Normalization for SAP Multi-Bank Connectivity

Abstract

This paper presents a distributed ledger-linked normalization framework designed to enhance the accuracy, consistency, and auditability of bank-statement processing within SAP Multi-Bank Connectivity (MBC). By anchoring structural signatures and normalized segments to a permissioned ledger, the model ensures tamper-evident validation, deterministic ordering, and reliable convergence across heterogeneous bank formats such as MT940, BAI2, and CAMT.053. Simulation outputs, including a ledger-anchor convergence heatmap and accuracy metrics, demonstrate that the proposed architecture significantly reduces duplicate entries, format drift, and synchronization mismatches commonly observed in pre-2019 SAP treasury landscapes. The findings show that ledger-linked normalization not only transforms multi-bank integration reliability but also provides a scalable foundation for audit-ready financial operations.