- Article
- Managing Cash Flow
- Improve Efficiency
Precision and agility: transforming third-party money management
The rapid growth of digital platforms, e-marketplaces and fintechs is creating a significant increase in third-party money flows – cash that companies manage on behalf of others, but do not own.
As these business models expand across markets and currencies, treasurers face a growing challenge: how to safeguard funds, meet regulatory obligations and execute payments at the speed customers and counterparties expect.
This report explains how a real-time treasury environment can help organisations manage that complexity. It examines the diverse businesses affected, from insurance brokers, construction companies and real estate operators to e-marketplaces, payment platforms and deposit aggregators. It highlights the different legal, regulatory and liquidity challenges they face, and explains how businesses need banks to provide tailored account solutions for handling third-party money.
Third Party Money Management: Real Time Treasury
Another dimension of real-time treasury is the ability to trust your payments bank in managing your third-party money flows across three key lines: one, segregated accounts in accordance with your legal model and regulatory requirements; two, bespoke payment, FX and liquidity solutions to support and optimise your thirdparty money journey and three, actionable insights. This results in improved decision making and seamless execution of your third-party money strategies.
Martijn Stoker
Global Head of Liquidity, Global Payments Solutions | HSBC
The report highlights that, in managing third-party money, real-time treasury is more than a technology upgrade. Managing the responsibility that comes with holding third-party money needs more than good intentions: it requires a treasury model built to deliver real-time value.
APIs, integrated data, automated transactions and analytics need to work together across the end-to-end treasury process. Real-time connectivity enables immediate payments, continuous visibility of segregated third-party funds, automated reconciliation and better liquidity management. Analytics and AI help identify anomalies and foresee risks.
The combination of these things helps treasurers manage third-party money with both precision and agility. This will only matter more and more as the scale of third-party funds grows with digitalisation.
Redefining Treasury
Empowering treasurers to strengthen liquidity, manage risk and optimise cash flow with confidence.
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