什么是 希腊银彳业务集成？

希腊银彳业务集成技能为处理希腊主要金融机构的银彳对账单提供了一个稳健的基于文件的解决方案。该设计无需复杂的银彳 API 或敏感凭据，专注于解析用户直接从银彳门户下载的标准 CSV 和 Excel 导出文件。这种方法在确保最高安全性的同时，为希腊商业实践提供了深度集成。

通过利用 Openclaw Skills 的架构，该工具能够处理希腊银彳数据的独特技术挑战，例如特定的字符编码 (Windows-1253) 以及本地化的日期/货币格式。它充当了原始银彳数据与专业会计系统之间的桥梁，是开发人员构建本地财务自动化工作流的重要组成部分。

下载入口:https://github.com/openclaw/skills/tree/main/skills/satoshistackalotto/greek-banking-integration

安装与下载

1. ClawHub CLI

从源直接安装技能的最快方式。

2. 手动安装

将技能文件夹复制到以下位置之一

优先级：工作区 > 本地 > 内置

3. 提示词安装

将此提示词复制到 OpenClaw 即可自动安装。

希腊银彳业务集成 应用场景

• 希腊中小企业的自动化每月对账。
• 针对希腊税务合规性，使用 24%、13% 和 6% 税率进行高精度增值税检测。
• 将 Alpha Bank、希腊国家银彳 (NBG)、Eurobank 和 Piraeus Bank 的交易批量导入会计软件。
• 自动将汇入的 SEPA 转账与未结客户发票进行匹配。
• 希腊公司账户的定期现I金流分析和银彳手续费优化。

1. 用户从希腊银彳网站手动导出 CSV 或 Excel 对账单文件，并将其放入指定的导入目录。
2. 该技能识别特定的银彳格式和字符编码，以确保希腊字符得到正确处理。
3. 解析器提取交易详情，包括日期、描述、金额和参考号。
4. 智能层根据希腊商业规则对交易进行分类，识别正府支付 (AADE, EFKA) 或公用事业账单 (DEI, EYDAP) 等项目。
5. 对账引擎使用基于置信度的评分算法将付款与现有发票进行匹配。
6. 处理后的数据将导出为 CSV 或 JSON 等标准格式，供会计工具或 Openclaw Skills 仪表板读取。

希腊银彳业务集成 配置指南

要开始使用此集成，请配置您的环境变量并确保安装了必要的依赖项：

export OPENCLAW_DATA_DIR="/data"
which jq || sudo apt install jq
mkdir -p $OPENCLAW_DATA_DIR/banking/imports/{alpha,nbg,eurobank,piraeus}

确保将导出的对账单文件放置在相应的银彳子目录中，以便进行自动检测。

希腊银彳业务集成 数据架构与分类体系

该技能通过结构化管道组织数据，以确保可审计性和准确性：

name: greek-banking-integration
description: Parses bank statements from all major Greek banks (Alpha, NBG, Eurobank, Piraeus). File-based CSV/Excel import with transaction reconciliation.
version: 1.0.0
author: openclaw-greek-accounting
homepage: https://github.com/satoshistackalotto/openclaw-greek-accounting
tags: ["greek", "accounting", "banking", "alpha-bank", "nbg", "eurobank", "piraeus"]
metadata: {"openclaw": {"requires": {"bins": ["jq"], "env": ["OPENCLAW_DATA_DIR"]}, "optional_env": {"QUICKBOOKS_IMPORT_DIR": "Directory for QuickBooks-compatible export files", "XERO_API_KEY": "Xero API key for direct transaction push (alternative to file export)"}, "notes": "Core bank statement parsing is file-based — no bank API or credentials needed. Users export CSV/Excel from their bank portal. Optional QuickBooks/Xero export formats generate accounting-software-compatible files. Direct Xero API push is available if XERO_API_KEY is configured."}}

Greek Banking Integration

This skill provides comprehensive integration with the Greek banking system through practical file processing of bank statements, transaction data, and payment confirmations from all major Greek financial institutions.

Setup

export OPENCLAW_DATA_DIR="/data"
which jq || sudo apt install jq
mkdir -p $OPENCLAW_DATA_DIR/banking/imports/{alpha,nbg,eurobank,piraeus}

No bank API credentials required. This skill parses bank statement files (CSV/Excel) that you export manually from your bank's web portal and place in the imports directory. Supported banks: Alpha Bank, National Bank of Greece, Eurobank, Piraeus Bank.

Core Philosophy

• Real Greek Bank Focus: Built for actual Greek bank statement formats and business practices
• File-Based Processing: Process exported bank data files, not complex banking APIs
• OpenClaw Native: Designed specifically for OpenClaw's file processing strengths
• Production Testing Ready: Suitable for VM testing and real Greek company deployment
• All Major Banks: Alpha Bank, National Bank, Eurobank, Piraeus, and regional banks

OpenClaw Commands

Core Banking Operations

# Primary bank statement processing
openclaw banking import-statements --bank-type greek --auto-detect-format
openclaw banking process-batch --input-dir /data/banking/imports/ --reconcile-auto
openclaw banking categorize-transactions --greek-business-rules --vat-detection
openclaw banking export-reconciliation --format csv --greek-chart-accounts

# Individual bank processing (canonical import paths)
openclaw banking process-alpha --statements-dir /data/banking/imports/alpha/
openclaw banking process-nbg --statements-dir /data/banking/imports/nbg/
openclaw banking process-eurobank --statements-dir /data/banking/imports/eurobank/
openclaw banking process-piraeus --statements-dir /data/banking/imports/piraeus/

# Transaction analysis and reconciliation
openclaw banking match-invoices --outstanding-receivables --confidence-threshold 0.9
openclaw banking detect-duplicates --cross-account --mark-suspicious
openclaw banking categorize-expenses --greek-expense-categories --vat-rates
openclaw banking generate-reconciliation --period monthly --include-variance-analysis

Payment Processing & Tracking

# Payment confirmation processing
openclaw banking track-payments --pending-invoices --match-references
openclaw banking confirm-receipts --client-payments --auto-update-accounting
openclaw banking process-sepa --incoming-payments --outgoing-transfers

# Cash flow and analysis
openclaw banking cashflow-analysis --period quarterly --predict-trends
openclaw banking currency-conversion --foreign-transactions --ecb-rates
openclaw banking fee-analysis --bank-charges --optimization-suggestions

Integration & Export Commands

# Integration with accounting systems
openclaw banking export --format csv --client EL123456789 --period 2026-02
openclaw banking export --target quickbooks --client EL123456789 --greek-locale  # Optional: QuickBooks-compatible format
openclaw banking export --format json --client EL123456789 --period 2026-02
openclaw banking export --target xero --client EL123456789 --greek-vat-codes    # Optional: Xero-compatible format
openclaw banking reconciliation-report --client EL123456789 --period 2026-02

# Integration with other OpenClaw skills
openclaw banking integrate-compliance --vat-calculations --deadline-tracking
openclaw banking sync-individual-taxes --personal-account-data --expense-tracking
openclaw banking coordinate-meta --enable-orchestration --business-commands

Greek Bank Support Architecture

Major Greek Banks Integration

Supported_Greek_Banks:
  alpha_bank:
    bank_code: "014"
    iban_prefix: "GR01"
    statement_formats: ["PDF", "Excel", "CSV", "MT940"]
    online_banking: "Alpha Web Banking"
    business_banking: "Alpha Business Banking"
    common_export_formats:
      - excel: "Alpha_Statement_YYYYMMDD.xlsx"
      - csv: "account_movements_YYYYMMDD.csv"
      - pdf: "Monthly_Statement_YYYYMM.pdf"
    
  national_bank:
    bank_code: "011"
    iban_prefix: "GR07"
    statement_formats: ["PDF", "Excel", "CSV", "QIF"]
    online_banking: "NBG i-bank"
    business_banking: "NBG Business i-bank"
    common_export_formats:
      - excel: "NBG_Transactions_YYYYMMDD.xls"
      - csv: "account_statement_YYYYMM.csv"
      - pdf: "NBG_Statement_YYYYMM.pdf"
    
  eurobank:
    bank_code: "026"
    iban_prefix: "GR02"
    statement_formats: ["PDF", "Excel", "CSV", "OFX"]
    online_banking: "Eurobank e-banking"  
    business_banking: "Eurobank Business e-banking"
    common_export_formats:
      - excel: "Eurobank_Statement_YYYYMMDD.xlsx"
      - csv: "movements_YYYYMMDD.csv"
      - pdf: "Account_Statement_YYYYMM.pdf"
      
  piraeus_bank:
    bank_code: "017"
    iban_prefix: "GR58"
    statement_formats: ["PDF", "Excel", "CSV", "MT942"]
    online_banking: "Piraeus winbank"
    business_banking: "Piraeus winbank Business"
    common_export_formats:
      - excel: "Piraeus_Movements_YYYYMMDD.xlsx"
      - csv: "account_history_YYYYMM.csv"
      - pdf: "Piraeus_Statement_YYYYMM.pdf"

  attica_bank:
    bank_code: "025"
    iban_prefix: "GR16"
    statement_formats: ["PDF", "Excel", "CSV"]
    focus: "Regional Greek bank"
    
  cretan_bank:
    bank_code: "045"
    iban_prefix: "GR62"
    statement_formats: ["PDF", "CSV"]
    focus: "Crete regional banking"

Greek Bank Statement Formats

Statement_Format_Recognition:
  alpha_bank_excel:
    headers_greek: ["Ημερομην?α", "Περιγραπ ?", "Ποσ?", "Υπ?λοιπο"]
    headers_english: ["Date", "Description", "Amount", "Balance"]
    date_format: "dd/MM/yyyy"
    amount_format: "1.234,56"
    encoding: "Windows-1253, UTF-8"
    
  nbg_csv:
    headers: ["ΗΜΕΡθΜΗΝΙΑ", "ΑΙΤΙθ?oθΓΙΑ", "ΧΡΕΩΣΗ", "ΠΙΣΤΩΣΗ", "ΥΠθ?oθΙΠθ"]
    separator: ";"
    decimal_separator: ","
    date_format: "dd/MM/yyyy"
    
  eurobank_excel:
    headers: ["Ημ/ν?α", "Ρπ°δ.Συναλλαγ?π?", "Περιγραπ ?", "Ποσ?", "Υπ?λοιπο"]
    currency_column: "Ν?μισμα"
    reference_column: "Αρ.Παρασπ?απ?ικο?"
    
  piraeus_csv:
    headers: ["Ημερομην?α Συναλλαγ?π?", "Περιγραπ ?", "Ποσ?", "Υπ?λοιπο Μεπ??"]
    special_fields: ["Ρπ°δικ?π? Συναλλαγ?π?", "Αρ. Αναπ ορ?π?"]

OpenClaw File Processing Architecture

File System Organization for Greek Banks

Banking_File_Structure:
  bank_imports:
    - /data/banking/imports/alpha/          # Alpha Bank statement imports
    - /data/banking/imports/nbg/            # National Bank imports  
    - /data/banking/imports/eurobank/       # Eurobank imports
    - /data/banking/imports/piraeus/        # Piraeus Bank imports
    - /data/banking/imports/other/          # Other Greek banks
    
  processing_workspace:
    - /data/banking/processing/raw/         # Imported files before processing
    - /data/banking/processing/validated/   # Format validation completed
    - /data/banking/processing/categorized/ # Transaction categorization done
    - /data/banking/processing/reconciled/  # Reconciliation completed
    
  output_delivery:
    - /data/banking/reconciliation/         # Bank reconciliation reports
    - /data/exports/accounting-software/    # Ready for accounting software export
    - /data/reports/client/                 # Client-facing bank summaries

Bank Statement Processing Pipeline

Processing_Workflow:
  step_1_import:
    command: "openclaw banking import-batch --scan-all-banks --auto-detect"
    input: "/data/banking/imports/{bank_name}/"
    output: "/data/banking/processing/raw/"
    functions: ["File format detection", "Bank identification", "Data validation"]
    
  step_2_validate:
    command: "openclaw banking validate-format --greek-standards --fix-encoding"
    input: "/data/banking/processing/raw/"
    output: "/data/banking/processing/validated/"
    functions: ["Greek character encoding fix", "Date format standardization", "Amount parsing"]
    
  step_3_categorize:
    command: "openclaw banking categorize --greek-business-rules --vat-detection"
    input: "/data/banking/processing/validated/"
    output: "/data/banking/processing/categorized/"
    functions: ["Expense categorization", "VAT rate detection", "Client payment identification"]
    
  step_4_reconcile:
    command: "openclaw banking reconcile --match-outstanding --confidence-scoring"
    input: "/data/banking/processing/categorized/"
    output: "/data/banking/processing/reconciled/"
    functions: ["Invoice matching", "Payment confirmation", "Variance analysis"]
    
  step_5_export:
    command: "openclaw banking export-accounting --csv --greek-formats"
    input: "/data/banking/processing/reconciled/"
    output: "/data/exports/accounting-software/"
    functions: ["Chart of accounts mapping", "VAT code assignment", "Multi-currency handling"]

Greek Business Transaction Intelligence

Greek Transaction Categorization

Greek_Business_Categories:
  income_categories:
    client_payments:
      keywords_greek: ["Π?oΗΡΩΜΗ", "ΕΜΒΑΣΜΑ", "ΡΑΤΑΜΕΣΗ"]
      keywords_english: ["PAYMENT", "TRANSFER", "DEPOSIT"]
      vat_implications: "Check if VAT already included"
      
    government_refunds:
      keywords: ["ΑΔΔΕ", "ΕΦΡΑ", "ΔΗΜθΣ", "ΕΠΙΣΤΡθΦΗ"]
      categories: ["VAT refunds", "Social security refunds", "Municipal refunds"]
      
    bank_interest:
      keywords: ["ΤθΡθΙ", "INTEREST", "ΠΡθΣθΔθΣ"]
      tax_treatment: "15% withholding tax already applied"
      
  expense_categories:
    supplier_payments:
      keywords_greek: ["Π?oΗΡΩΜΗ ΠΡθΣ", "ΜΕΤΑΦθΡΑ", "ΕΝΤθ?oΗ"]
      vat_recovery: "Standard 24%, Reduced 13%, Super-reduced 6%"
      
    payroll_expenses:
      keywords: ["ΜΙΣΜθΔθΣΙΑ", "ΕΡΓΑ?“θΜΕΝθΣ", "ΙΡΑ", "ΕΦΡΑ"]
      categories: ["Gross salaries", "Social security employer", "Withholding taxes"]
      
    government_payments:
      keywords: ["ΑΔΔΕ", "ΦΠΑ", "ΕΦΡΑ", "ΔΗΜθΣ", "ENFIA"]
      categories: ["VAT payments", "Income tax", "Social security", "Municipal taxes"]
      
    operating_expenses:
      rent: ["ΕΝθΙΡΙθ", "ΜΙΣΜΩΜΑ"]
      utilities: ["ΔΕΗ", "ΕΥΔΑΠ", "COSMOTE", "VODAFONE", "WIND"]
      fuel: ["ΡΑΥΣΙΜΑ", "ΒΕΝ?“ΙΝΗ", "ΠΕΤΡΕ?oΑΙθ", "BP", "SHELL", "ELIN"]
      office: ["ΓΡΑΦΙΡΑ", "ΑΝΑ?oΩΣΙΜΑ", "OFFICE", "SUPPLIES"]

Greek Banking Transaction Patterns

Transaction_Pattern_Recognition:
  sepa_transfers:
    domestic_pattern: "GR[0-9]{2}[0-9]{3}[0-9]{16}"
    international_pattern: "[A-Z]{2}[0-9]{2}[A-Z0-9]{1,30}"
    fee_detection: "Look for SEPA fees in separate transactions"
    
  standing_orders:
    keywords: ["ΜθΝΙΜΗ ΕΝΤθ?oΗ", "STANDING ORDER", "ΤΑΡΤΙΡΗ Π?oΗΡΩΜΗ"]
    categorization: "Recurring expense (rent, insurance, loan payments)"
    
  direct_debits:
    keywords: ["ΑΜΕΣΗ ΧΡΕΩΣΗ", "DIRECT DEBIT", "DOMICILIATION"]
    common_billers: ["ΔΕΗ", "ΕΥΔΑΠ", "COSMOTE", "Insurance companies"]
    
  card_transactions:
    pos_patterns: ["POS", "CARD", "ΡΑΡΤΑ", "ΑΓθΡΑ"]
    online_patterns: ["ONLINE", "INTERNET", "E-COMMERCE"]
    cash_withdrawals: ["ATM", "ΑΝΑ?oΗΨΗ", "ΜΕΤΡΗΤΑ"]

Greek Banking API & Data Integration

Practical Bank Data Integration

Real_World_Integration:
  bank_export_procedures:
    alpha_bank:
      login: "Alpha Web Banking or Business Banking"
      navigation: "Accounts ?’ Statement ?’ Export"
      formats_available: ["Excel", "CSV", "PDF"]
      export_period: "Custom date range (max 12 months)"
      
    nbg:
      login: "NBG i-bank"
      navigation: "Account Info ?’ Account Statement ?’ Download"
      formats_available: ["Excel", "CSV", "PDF", "QIF"]
      special_note: "Business accounts have additional export options"
      
    eurobank:
      login: "e-banking Portal"
      navigation: "Accounts ?’ Movement History ?’ Export Data"
      formats_available: ["Excel", "CSV", "PDF", "OFX"]
      automation_note: "Some business accounts allow scheduled exports"
      
    piraeus:
      login: "winbank"
      navigation: "Account ?’ History ?’ Export Statement"
      formats_available: ["Excel", "CSV", "PDF"]
      bulk_download: "Available for business accounts"

OpenClaw Bank File Monitoring

# Monitor for new bank files
openclaw banking monitor-imports --watch-directories --auto-process
openclaw banking schedule-imports --daily-check --business-hours-only

# Handle various file formats automatically  
openclaw banking auto-detect --all-greek-banks --handle-encoding-issues
openclaw banking batch-process --parallel-processing --error-recovery

# Integration testing commands (for your VM testing)
openclaw banking test-formats --sample-statements --all-greek-banks
openclaw banking validate-parsing --check-accuracy --greek-date-formats
openclaw banking simulate-processing --test-reconciliation --dry-run

Advanced Reconciliation Features

Intelligent Transaction Matching

Matching_Algorithms:
  invoice_matching:
    exact_amount_match: "Priority 1: Exact euro amount matching"
    reference_number_match: "Priority 2: Invoice number in description"
    client_name_match: "Priority 3: Client name fuzzy matching"
    date_proximity_match: "Priority 4: Within payment terms window"
    
  payment_confirmation:
    confidence_scoring:
      - perfect_match: "100% - Amount + Reference + Date"
      - high_confidence: "90-99% - Amount + (Reference OR Client)"
      - medium_confidence: "70-89% - Amount + Date proximity"
      - low_confidence: "50-69% - Amount match only"
      - manual_review: "<50% - Requires human verification"
      
  duplicate_detection:
    same_day_same_amount: "Flag for review"
    reference_number_duplicate: "Error - same reference used twice"
    client_overpayment: "Detect overpayments for refund processing"

Greek VAT Transaction Analysis

VAT_Analysis_Features:
  vat_rate_detection:
    standard_24_percent:
      transaction_patterns: "Most goods and services"
      calculation_check: "Amount * 1.24 or Amount / 1.24"
      
    reduced_13_percent:
      transaction_patterns: "Hotels, restaurants, transport"
      keywords: ["ΕΣΤΙΑΤθΡΙθ", "ξΕΝθΔθΧΕΙθ", "ΤΑξΙ", "RESTAURANT", "HOTEL"]
      
    super_reduced_6_percent:
      transaction_patterns: "Books, newspapers, medicines"
      keywords: ["ΒΙΒ?oΙΑ", "ΕΦΗΜΕΡΙΔΑ", "ΦΑΡΜΑΡΕΙθ", "BOOKS", "PHARMACY"]
      
  vat_recovery_calculation:
    input_vat_tracking: "Track recoverable VAT from suppliers"
    vat_return_preparation: "Calculate net VAT position"
    quarterly_vat_analysis: "Prepare quarterly VAT return data"

Integration with Greek Accounting Standards

Greek Chart of Accounts Mapping

Greek_Accounting_Integration:
  elsyn_chart_of_accounts:
    class_1_assets:
      - "10. Π?για σπ?οιπ?ε?α ενεργηπ?ικο?"
      - "14. Αποθ?μαπ?α"
      - "16. Απαιπ??σειπ?"
      - "18. Διαθ?σιμα"
      
    class_2_liabilities:
      - "20. Πδια κεπ ?λαια"
      - "24. Προβλ?ψειπ? για κινδ?νουπ? και ?ξοδα"  
      - "25. Υποπ?ρε?σειπ?"
      
    class_6_expenses:
      - "60. Αγορ?π?"
      - "61. Μεπ?αβολ? αποθεμ?π?π°ν"
      - "62. ?oοιπ?π? παροπ??π? π?ρ?π?π°ν"
      - "63. Παροπ??π? σε εργαζομ?νουπ?"
      - "64. ?oοιπ? λειπ?ουργικ? ?ξοδα"
      
    class_7_income:
      - "70. Ππ°λ?σειπ? εμπορευμ?π?π°ν"
      - "73. Παραγπ°γ? περι?δου"
      - "74. Παροπ??π? υπηρεσι?ν"
      - "75. ?oοιπ? συν?θη ?σοδα"

Accounting Software Integration

Accounting_Software_Export:
  csv_export:  # Default — always available
    chart_of_accounts: "Map to Greek ELSYN standards"
    vat_codes: "Include Greek VAT rate codes in export"
    currency: "EUR primary, handle foreign currency"
    
  json_export:  # Default — always available
  quickbooks_export:  # Optional: QuickBooks-compatible CSV with Greek VAT code mapping
    account_mapping: "Custom Greek chart of accounts setup"
    bank_feeds: "Direct bank feed integration where possible"
    vat_reporting: "Greek VAT return format"
    
  xero_export:  # Optional: Xero API-compatible JSON format
  reconciliation_export:
    nominal_codes: "Greek accounting nominal code structure"
    multi_currency: "Handle EUR and foreign transactions"
    reporting: "Greek statutory reporting formats"

Production Testing & Validation

Greek Bank Testing Procedures

# Testing commands for VM and Greek company deployment
openclaw banking test-greek-banks --validate-all-formats --sample-data
openclaw banking accuracy-test --known-transactions --measure-precision
openclaw banking performance-test --large-statements --processing-speed

# Validation for real Greek bank data
openclaw banking validate-greek-format --check-encoding --verify-amounts
openclaw banking audit-trail --transaction-tracking --modification-log
openclaw banking reconciliation-test --against-manual-reconciliation

Error Handling & Recovery for Greek Banks

Error_Recovery_Procedures:
  format_recognition_failure:
    action: "Try alternative parsers for the same bank"
    fallback: "Manual format specification with guided setup"
    
  greek_encoding_issues:
    detection: "Check for Windows-1253, ISO-8859-7, UTF-8"
    correction: "Auto-convert to UTF-8 with character mapping"
    
  amount_parsing_errors:
    greek_format: "Handle 1.234,56 format and currency symbols"
    validation: "Cross-check totals against statement summary"
    
  date_format_confusion:
    greek_standard: "dd/MM/yyyy format"
    validation: "Check against known Greek banking date patterns"

Usage Examples for Greek Company Testing

Daily Bank Processing

# Typical morning banking workflow for Greek company
$ openclaw banking morning-process --all-greek-banks --yesterday

e???| Greek Banking Processing Summary - February 19, 2026:

?? Statements Processed:
? Alpha Bank Business Account (??45,230.67 ?’ ??47,890.45)
   - 12 transactions processed  
   - 8 client payments identified (+??8,450.00)
   - 4 supplier payments (-??5,790.22)
   
? Eurobank Current Account (??12,450.30 ?’ ??11,890.15) 
   - 6 transactions processed
   - 2 government payments identified (-??560.15)
   - 4 operating expenses (-??0.00)

?? Reconciliation Results:
? 7 invoices automatically matched (100% confidence)
???? 2 payments require manual review (Invoice #2024-0156, #2024-0189)  
? VAT analysis completed: ??1,240.50 recoverable input VAT

?? Exports Generated:
- Export: /data/banking/exports/EL123456789_2026-02_transactions.csv
- VAT Analysis: /data/reports/client/EL123456789_2026-02_vat-analysis.xlsx
- Client Reports: 5 payment confirmations ready for sending

Greek Bank Reconciliation Example

$ openclaw banking reconcile-month --february-2026 --all-accounts

??1 February 2026 Bank Reconciliation:

e???| Alpha Bank Business (***1234):
Bank Statement Balance: ??47,890.45
Outstanding Deposits: ??2,340.00 (Feb 28 deposits in transit)
Outstanding Checks: ??890.50 (Checks not yet cleared)
Book Balance: ??49,339.95
Variance: ??0.00 ?

e?”? Matched Transactions: 156/158 (98.7%)
???? Unmatched Transactions (2):
  - ??234.50 - "SEPA Transfer - Unknown reference XYZ123"
  - ??89.90 - "Bank charges - Service fee"

?? VAT Summary:
Input VAT Recovered: ??3,450.67 (24% standard rate)
Output VAT Collected: ??5,670.88 (mixed rates)
Net VAT Position: ??2,220.21 payable

?? Client Payments Analysis:
- COMPANY A AE: ??4,500.00 (Invoice #2024-0145) ?
- COMPANY B EPE: ??2,300.00 (Invoice #2024-0167) ?  
- FREELANCER C: ??890.00 (Multiple invoices) ???? Partial payment

Integration with Meta-Skill

# Meta-skill orchestrated banking (what your girlfriend will use)
$ openclaw greek daily-banking --process-statements --auto-reconcile

# Behind the scenes coordination:
# 1. Greek Banking Integration: Process all bank files
# 2. Accounting Workflows: Categorize and validate transactions
# 3. Greek Compliance AADE: Update VAT calculations
# 4. Email Processor: Generate payment confirmations
# 5. Individual Taxes: Update personal account tracking (if applicable)
# 6. Professional Greek summary generated for review

Success Metrics for Greek Company Testing

A successful Greek banking integration should achieve:

• ? 95%+ automatic transaction categorization accuracy
• ? Support for all major Greek bank statement formats
• ? <5 minute processing time for monthly statements
• ? 90%+ automatic invoice-to-payment matching
• ? Complete VAT analysis with Greek rates (24%, 13%, 6%)
• ? Seamless integration with Greek accounting software
• ? Robust handling of Greek language and character encoding
• ? Production-ready error handling and recovery procedures

Remember: This skill is designed specifically for testing with real Greek banks and Greek company data, using OpenClaw's file processing capabilities to handle the complexity of Greek banking formats and business requirements.