Cash Management | Worldline

MANAGE FUNDS EFFICIENTLY AND EFFECTIVELY AT ANY SCALE

In today’s complex business environment and in times of uncertainties, managing cash effectively and efficiently is even more crucial than ever before as the predictability of cash flows is negatively affected by those events. Businesses of any size are in need of reliable end-to-end cash management tools to better understand and monitor their financial positions at any time. Worldline has the expertise and solutions to help financial institutions serve the corporates and SMEs, build trust and unlock the business potential for new revenue streams.

PSD2 API FOR REAL-TIME VIEW OF ALL BANK ACCOUNTS IN ONE INTERFACE

The new services that PSD2 (the second Payment Service Directive) regulates are Payment Initiation Services (PIS) and Account Information Services (AIS). With AIS it is possible to aggregate financial data from multiple bank accounts, run analysis and present this overview in a comprehensive way to your clients allowing them to make better informed-decisions. With PIS it is possible to offer low-cost money transfer towards clients and suppliers in an easy and secure way. Scheduling automated payables and receivables to optimize cash flow are some of the benefits. Further, it provides corporates and SMEs with better access to more diverse and competitive sources of finance. With our advanced connectivity capability to all major European countries and our partner network, we can set up a solution that is customized – just for your business.

Get in touch to learn more and let us know how we can assist you.

SMALL AND MEDIUM ENTERPRISES

Have greater visibility and control over cash flow and automate manual tasks

Small medium business owners spend much of their time with administrative tasks such as payroll, bookkeeping, accounting. These tasks are mostly performed manually e.g. in Excel spreadsheets. Not only is this method time consuming and hindering them to focus more on the strategic activities, but also very error-prone.

 
SMEs can benefit from this cash management solution and automate their cash forecasting and analysis without requiring any additional resources or skills.

BIG CORPORATES

Timely manage cash flow with precision and accuracy while expanding capabilitities

Financial and Treasury departments need to make fast and better informed decisions. Treasury Management System (TMS) are very costly and time-consuming to implement. PSD2 API can be an alternative and cost-efficient data channel that gives you as professionals a good overview of the financials in real-time. 


Whether a complete view of bank accounts through PSD2 API is only needed or a complete cash management tool powered by Open Banking, we can help you to set-up a solution that is customized to your needs.

Cash management

PROBLEMS TO SOLVE:




Managing multiple bank account relationship
Manual and errorprone processes
Accuracy of cash-flow forecasting

SMALL AND MEDIUM ENTERPRISES

Cash management

PROBLEMS TO SOLVE:




Difficulty in obtaining up-to-date view in real-time
Currency fluctuations, FX risk, Credit risk
Cross-border payments
Sourcing information from multiple banking solutions
Managing liquidity buffers

CORPORATES

Functionalities

Connect

Valuable cash insights in real-time
Access to all bank accounts and consolidate (AIS) Categorize and extract the report on the cashflow

Analyze

Forecast liquidities
Manage mid & long terms scenarios Manage alerts to anticipate and react

Optimize

Take actions
Sweep from one account to another Access to diverse sources of finance

VALUE FOR END-USERS

Aggregated view on balances
Up-to-date insights in real-time
Cash flow with accuracy
Greater control and visibility
Save time and resources
Intuitive user interface
Faster payments and access to funds
Single logon for the cash manager

VALUE FOR BANKS

Create new value-added service
Generate new revenue stream
Build strong customer-relationship
Ensure higher cash availability
Assess credit risk of the consumer
Meet your customers’ digital demands
Extend cash management with APIs
Tap into lucrative customer segment

How Instant Payments and PSD2 can optimize Corporate Cash Management

The combination of Open Banking and Instant Payments creates a wealth of opportunities. This video shows how automated liquidity management becomes possible in this new era.

BROCHURE

How do Corporates can benefit from PSD2?




Corporates can take advantage of the new PSD2 regulation for optimizing their own internal financial processes and to improve the payment services and processes for their end-customers.

Download brochure

Contact our expert

Mathieu BARTHELEMY SENIOR PRODUCT MANAGER

Mathieu has been working at Worldline in Digital Banking teams for 10 years. He started as a software engineer before spending a number of years as a team leader in Mobile Banking Apps. Interested in topics such as user experience and customer journey, he then joined the business development team. Nowadays, Mathieu works as a product manager on the Digital Banking Platform, a solution designed to support Worldline’s customers in their Open Banking strategy.

Contact Mathieu

Mathieu BARTHELEMY

SENIOR PRODUCT MANAGER