Physical vs. Virtual Bank Accounts: What You Need to Know
Written by Renea Mahadeo Introduction Virtual accounts are transforming treasury operations, reducing complexity, and increasing efficiency. Did you know that implementing virtual accounts can reduce a company’s total number of bank accounts? Traditional corporate treasury teams often manage hundreds of physical bank accounts across multiple banks and regions, which leads to administrative burden, high costs, […]
Embat Acquires Necto: Strengthening Its Leadership In Global Corporate Banking Connectivity Through APIs
Embat is a cloud-based treasury management solution that streamlines the management of receivables, payments, and forecasting, automating accounting and bank reconciliation, enabling real-time visibility of cash, liquidity, and debt while reducing operational workload by up to 75%. This acquisition extends Embat’s integration with leading financial institutions such as J.P. Morgan, Citi, Barclays, among others. Necto has […]
Treasury Contrarian View: The Case Against In-House Banks
For years, in-house banks (IHBs) have been promoted as the gold standard for multinational corporations seeking centralized control over cash, payments, and liquidity. But in a world of real-time payments, virtual accounts, and advanced fintech solutions, do we still need in-house banks, or are they becoming an outdated legacy structure? The Traditional Arguments for In-House […]
Challenges in Payment Operations: Insights from Modern Treasury’s Survey
As businesses strive to adapt to the fast-moving demands of the “Instant Economy,” they are facing increasing difficulties in streamlining their payment operations. According to Modern Treasury’s fourth annual State of Payment Operations 2025 report, which surveyed 500 financial decision-makers, nearly 90% of companies are grappling with inefficient and manual payment processes. The survey highlights […]
Treasury Contrarian View: ESG in Treasury—A Passing Trend or the Future?
Environmental, Social, and Governance (ESG) considerations have been a growing focus in corporate finance, but is ESG in treasury truly transformative, or just another temporary compliance-driven trend? Many organizations are embedding ESG into their financial strategies, while others remain skeptical about its long-term value. So, is ESG in treasury here to stay, or is it […]
AI in Treasury: Artificial Intelligence or Augmented Intelligence?
Written by Patrick Kunz Artificial Intelligence (AI) has become a buzzword across industries, and treasury management is no exception. However, there’s an important distinction to be made when discussing AI in the context of treasury: Is it truly Artificial Intelligence, or is it more about Augmented Intelligence? AI Will Not Replace You – It Will […]
Treasury Contrarian View: Do We Really Need Treasury Centers in Every Region?
For decades, multinational corporations have established regional treasury centers to manage cash, liquidity, and risk closer to their operations. But with advances in automation, AI, and real-time banking connectivity, is the traditional regional treasury center model still necessary, or is it time for companies to rethink their treasury structures? The Case for Regional Treasury Centers […]
Understanding Bank Treasury: Managing Liquidity, Risk, and Regulatory Compliance
Written by Renea Mahadeo Introduction Bank treasury is fundamentally different from corporate treasury in its objectives and operational complexities. While corporate treasury focuses on ensuring liquidity for business operations, bank treasury is responsible for managing the financial institution’s balance sheet, optimizing liquidity, and ensuring regulatory compliance. Banks operate within a highly regulated environment where capital […]
Treasury Contrarian View: AI in Treasury—Hype or Reality?
Artificial Intelligence (AI) is one of the hottest topics in corporate finance, and treasury is no exception. Vendors promise smarter forecasting, faster reconciliations, and real-time risk management. But here’s the big question: Is AI in treasury living up to the hype, or is it just another buzzword with limited real-world impact? Where AI Is Making […]
Trends Transforming the Current Treasury Management System (TMS) Landscape
Written by Royston Da Costa The Treasury Management System (TMS) industry is undergoing a significant evolution, driven by technological advancements, regulatory changes, and the ever-growing demand for real-time financial insights. As treasurers navigate complex financial environments, TMS providers have had to innovate to address emerging needs. Here are some of the key trends I believe […]