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payments, virtual accounts, and advanced fintech solutions, do we still need in-house banks, or are they becoming an outdated legacy structure?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…
Franklin
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…
Treasurers or Traders?
This article is a contribution from our content partner, TreasurySpring For nearly a decade post the global financial crisis, the rates market was a fairly predictable, benign, unexciting place to be. Data and headlines barely shifted the needle, and traders, investors, and treasurers could quite accurately forecast and achieve expected borrowing rates and returns across…
Centralised Treasury Explained
This article is written by Kantox In turbulent times, it is more difficult to achieve higher risk mitigation, control, and visibility over cash. This has been a driver for centralisation in recent years and, as CFOs and treasurers seek to gain an accurate view of the cash held by their organisations, we have seen the…
Pricing Supply Chain Finance
This article is a contribution from our content partner, PrimeTrade There is quite some debate on best practice when it comes to pricing the discount that suppliers might be offered for early payments on their invoices. We have developed a framework that companies can use to decide how to approach the pricing of early payment…
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…
Are My Business’s FX Rates and Margins Fair?
This article is a contribution from our content partner, Just “Are my FX rates and margins fair?” As a corporate treasurer, this is an important question to ask. But due to a lack of transparency around market data, obscure bank jargon, and opaque trading processes, it’s not an easy question to answer. Without access to…
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…
Patrick Kunz
How to Automate ‘Cash Pooling’
This article is written by Embat Cash pooling is a highly beneficial tool for companies within their cash management practices. However, it often becomes a significant challenge for treasury departments due to its complex implementation, especially when done manually, which requires considerable human intervention. Fortunately, modern technology provides effective solutions to automate cash pooling, making its…