CREDIT: HSBC payments is that you’ re often trying to deliver 24 / 7 execution and certainty on top of processes and systems built around cut-offs, end-of-day funding and manual exception handling,” Tom says.
He adds that this creates pressure across the whole treasury operating model, from control frameworks and approvals to liquidity management and technology infrastructure.
“ Connectivity can also be a constraint in some corridors where intermediary handoffs still occur, reducing transparency and making tracking and beneficiary confirmation harder – so integration and operating model changes need to move together,” he says.
Data as a treasury tool and AI’ s role in fraud prevention As payments become faster, the value of the data they generate is becoming impossible to ignore. Tom sees payment data as one of the most powerful tools treasurers now have for improving decision-making.
“ With live visibility of incoming and outgoing flows, payment status and cash positions across banks, entities and currencies, teams can act earlier on funding, liquidity buffers and working capital actions rather than reacting after the fact,” he says.
That data also helps firms sharpen forecasting and identify issues earlier.
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