THE FINTECH INTERVIEW

Always-on liquidity The move to 24 / 7 payments is changing corporate liquidity management in a way that goes beyond convenience. For Tom, the bigger story is that businesses now expect their cash to move at the same pace as their operations.

“ Business never sleeps – therefore, payment and liquidity capabilities must be awake 24 / 7,” he says.“ Today, clients increasingly want to move funds when their business needs it, whether that is overnight, on weekends or across time zones.”

For multinational organisations with complex cash flows, that shift creates clear opportunities. Tom says always-on payments can help companies centralise liquidity more effectively, reduce idle balances and respond faster to funding needs across regions.

“ It also supports better working capital management,” he adds.“ Solutions such as tokenised deposits are helping accelerate that shift by enabling clients to move value across markets on a 24 / 7 basis with greater flexibility and control.”

The operational challenge While the benefits of always-on payments are clear, the transition itself is not straightforward. Many decision-makers are still working with systems and controls designed around batch processes, cut-off times and manual reconciliation.

“ For a client, the biggest hurdle in moving from batch to always-on

28 August 2026