Treasury Contrarian View: Should Treasury Really Own Working Capital Optimisation?
Working capital optimization is increasingly seen as a core treasury KPI. But let’s challenge that assumption: Is treasury really the right function to own working capital initiatives—or should that responsibility remain with procurement, operations, and finance? In many organizations, treasury is now being pulled into working capital programs. But is that a strategic fit or […]
Data is the new liquidity: Why Treasurers must champion technology for better data management
Our current financial environment is tech-driven, so data is no longer just a support function but a core driver of value. For treasurers, the ability to manage liquidity effectively is dependent on the quality and accessibility of data. However, without the right technology infrastructure, data remains fragmented, outdated, or inconsistent. Implementing the right technology is […]
Treasury Contrarian View: Do We Focus Too Much on Finance Backgrounds in Treasury Hiring?
Traditionally, treasury professionals have been hired for their financial acumen—degrees in finance or economics, certifications, and prior banking experience. But in today’s digital-first treasury environment, here’s a bold question: Should we stop prioritizing finance backgrounds and start hiring more technologists, data analysts, and engineers into treasury teams? The Case for Rethinking Treasury Talent The Case […]
You’re Doing Payments Wrong—And It’s Costing You Strategic Control
Why centralization alone isn’t enough—and how POBO and in-house banking change the game Here’s the thing most companies get wrong: they treat centralized payments like an efficiency play. Fewer bank accounts. Bulked payments. Lower admin burden. And while that’s not wrong, it’s barely scratching the surface. Because when you design centralized payments with strategy in […]
Why New Treasury Tech Can Fail (Before It Even Starts): The Hidden Challenge Behind Every Implementation
Resistance to change trumps cost, integrations, and tool choice — here’s what that means for your treasury transformation. When it comes to implementing new treasury technology, we often focus on the big-ticket issues — budget approvals, ERP integrations, selecting the best vendor. But if our latest Treasury Masterminds poll is any indication, the real challenge […]
Treasury Contrarian View: Real-Time Payments — Do We Really Need Them in Treasury?
Real-time payments (RTP) are being touted as the future of finance. Fintechs are building around them. Banks are promoting them. Regulators are encouraging them. But here’s the question treasury professionals need to ask: Are real-time payments really necessary—or even useful—for treasury operations, or are we chasing a trend that solves problems we don’t have? The […]
The Role of Treasury: From Operational to Strategic Leadership
The role of treasury has transformed dramatically. Treasurers have emerged as strategic leaders, pivotal in steering the strategic direction of their organizations. In this article, I’d like to touch base on a few of the critical aspects of strategic treasury leadership and stakeholder management, offering a few insights into how treasurers can cope with their expanded […]
Do You Have a Right to a Bank Account? Here’s How It Works for Individuals and Businesses
Opening a bank account is essential — whether you’re an individual managing day-to-day life or a business trying to operate and grow. But is it actually a legal right to get a bank account? And what happens if a bank says “no”? Let’s break it down — covering individuals and businesses and what the rules […]
The Evolution of Treasury: How Has the Role Changed in Recent Years?
The treasury function is rapidly transforming. Treasury Masterminds recently surveyed treasury professionals to uncover how their roles have evolved over the past five years. With over 100 respondents, the results highlight significant shifts in treasury priorities: Connecting the Dots: Identifying Broader Trends These findings complement last week’s poll, which highlighted financial strategy and forecasting as […]
Treasury Contrarian View: Are Treasurers Too Conservative with Cash?
In uncertain times, treasurers often lean toward holding more cash as a buffer against risk. Liquidity is king, right? But here’s the contrarian view: Are treasurers holding too much cash and missing opportunities to drive value through smarter investments? Is conservative cash management a strength—or a missed opportunity? The Case for Holding Excess Cash The […]