on Modern bank reconciliation is enable, vendor/Customer payment transaction can be Posted directly from bank statement.

System should allow an option to either create journal and post OR post automatically the journal.

Users want to control journal before any validation as business process may be complex.

If transactions are incorrect, all reversal will be complex and bank reconciliation a mess.

It is difficult to fully trust a system (at least at beginning) and the option to not post directly journal will help our customers.