Our quarterly Call Report takes 12 business days end to end: 2 days of data extraction, 6 days of manual reconciliation, 2 days of adjustments, and 2 days of review. About 80% of the reconciliation breaks come from the credit card system using a different cut-off than the general ledger. The business wants to buy new regulatory reporting software. How would you analyze this and what would you recommend?

季度 Call Report 从取数到提交要 12 个工作日：取数 2 天、手工对账 6 天、调整 2 天、审核 2 天。对账差异里 80% 来自信用卡系统的日期截点和总账不一致。业务方想采购一套新的报送软件，你怎么分析、怎么建议？