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Account Reconciliation in on-premise GL vs Cloud GL

What is the difference between Account Reconciliation in the on premise R12 vs in the Cloud?

We have on-premise 12.2.5 and we are aware of the configuration for what accounts get reconciled, setting up the reference values, running autoReconcile, and using the manual reconciliation form. We have several questions we'd like your help with:

Is there more in the on-premise version that isn't mentioned here?

Does Cloud bring any graphical dashboards showing how many reconciliations are done and how many are pending?

Does Cloud allow you to attach files?

Does Cloud include a workflow for approving the reconciliations?

Thanks very much for your thoughts on any part of account reconciliation,

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