Bangkok · Financial audit desk
Innovative Cloud Services
Independent financial audit of e-wallet applications — float, settlement, and ledger controls examined with the care of a month-end close.
What we examine in an e-wallet
Ledger integrity, float reconciliation, fee posting, and settlement trails — the financial spine of a wallet product, not a marketing feature list.
Operators ask us to confirm that customer balances, merchant payouts, and internal float accounts still agree after releases, promotions, and partner cutovers. We work from transaction extracts, settlement files, and control narratives your finance team already maintains.
Engagements are delivered from our Asoke office with remote sampling when source systems sit outside Bangkok. Findings arrive as a structured report with sample references, not a slide deck of generic risks.
Walk through the audit process
Audit engagements
Start with a full financial audit of an e-wallet application, then add focused reviews when a single control area needs attention.
E-wallet financial audit
A full financial audit of an e-wallet application covering customer balances, float accounts, fee posting, and settlement trails for a defined period.
Fee & settlement posting check
Sampling of fee recognition, merchant discounts, and settlement batch posting inside an e-wallet application.
Float & reconciliation review
A focused review that ties e-wallet customer liabilities to bank float, partner holds, and suspense accounts for a chosen cut-off.
From recent engagements
Clients share what held up under sampling — and where the work felt heavy.
“They traced a promotion credit that never hit the float ledger. We had already closed the month, so the correction memo was uncomfortable — but accurate.”
Finance lead, regional remittance wallet
“Sampling took longer than we hoped because our merchant settlement files arrived late. Once those landed, the float tie-out notes were clear enough for our board pack.”
Controller, Bangkok-based e-money issuer
Field notes
Practical notes on wallet float, fee timing, and evidence packs that survive reviewer questions.
Setting materiality for wallet ledger samples
How finance and auditors can agree thresholds that respect small balances and large corridors at once.
Surviving a settlement processor cutover month
Why e-wallet financial close feels fragile during a processor switch — and which reconciliations to double.
What good fee-waiver evidence looks like
How to document consumer fee waivers so a posting check can trace them without guessing intent.