Treasury Management

Physical cash pooling is the act of consolidating a company’s various bank accounts into a single “pool” or header account. The process consolidates scattered cash into a central hub, optimising working capital and reducing external borrowing needs. Physical cash pooling is a foundational execution strategy within the broader goal of TM. It is the act of consolidating a company’s various bank accounts into a single “pool” or header account. The process consolidates scattered cash into a central hub, optimising working capital and reducing external borrowing needs. The mechanism is non-negotiable, especially for large, multi-entity organisations, such as global conglomerates, retail chains, and complex manufacturing groups. As per industry data, effective cash concentration can reduce reliance on external borrowing by 15-20%. However, for most conglomerates, the process is still a stressful, manual, and costly operation. The time lag in seeing global cash positions, the expense of managing hundreds of disparate bank accounts, and the risk of failed daily sweeps make liquidity management reactive. But now it’s high time to draw a line. Let’s stop settling for yesterday’s liquidity data and look for a better transformation ahead. A modern Treasury Management Solution (TMS) like FinStream provides the essential technological layer needed to automate sweeps, centralise control, and unlock real-time liquidity across borders. Let’s unveil the costs and risks associated with physical cash pooling and learn how FinStream is driving the real cash concentration. All that conglomerates head forward to is maximum liquidity and minimal risks. This guide will walk you through the exclusive features of the Treasury Single Account platform and how it enhances physical cash pooling for multiple entities. Physical Cash Pooling Challenges Faced by Businesses Without a centralised Treasury Management System, the challenges of managing multi-entity cash pools become exponentially worse as an organisation scales: Experience Real-time Cash Concentration with FinStream A modern treasury management system has intelligent features that enable physical cash pooling to undergo a swift transformation from a manual chore to an automated, strategic function. With FinStream at the centre, all external bank accounts and internal entities are connected to execute pooling with intelligence and precision. Gains after Switching to a Single Account Treasury Management Platform Physical cash pooling is a smart approach utilised by CFOs and treasury teams for better liquidity management. They stay at an advantage after implementing the treasury management system within their business operations: How do Others Approach Cash Pooling? It’s important to understand that while FinStream specialises in bringing intelligence and automation to this process, other players facilitate cash pooling through different means: This is why a dedicated Treasury Management Solution like FinStream provides superior agility and multi-bank connectivity, functioning as the central hub necessary for true real-time control, regardless of the bank or ERP system one uses. Predictable, Profitable and Powerful Treasury with FinStream Physical cash pooling remains the gold standard for global liquidity management, but its efficacy is now entirely dependent on the technology supporting it. For every business with multiple subsidiaries, the treasurers and cash managers heavily rely on physical cash pooling for enhanced short-term liquidity management. By leveraging a Treasury Management Solution like FinStream, you are not just automating transfers; you are establishing a strategic centre for profit optimisation. You replace manual risk with automated control, turning delayed reporting into same-day liquidity certainty. Ready to stop wasting cash and achieve real-time control over your global cash pool? Talk to a FinStream expert about automating your treasury operations today. Frequently Asked Questions:

Liquidity management is the process of optimising a company’s cash position. It involves tracking, forecasting, and managing the movement of cash throughout an organisation to ensure funds are available when and where they are needed, while maximising returns on excess cash. It’s about striking the perfect balance to ensure the business can meet all its short-term financial obligations without stress. Businesses cannot hold too much idle cash (which loses value), nor can they hold too little (which leads to missed payments or opportunities). Why is liquidity management critical for CFOs and treasury teams? Many organisations still struggle to build a consolidated view of their cash. Fragmented systems increase vulnerability. Inefficient fund utilisation and cash pooling lead to idle cash. Apart from this, several other reasons make liquidity management an important component for CFOs and treasury teams: Without a centralised system, treasurers are forced to operate in the dark, leading to higher risks, missed investment opportunities, and increased costs. Rising Need for Liquidity Management Solution CFOs are no longer in favour of accepting high operational costs, idle cash, a reactive financial posture, fragmented banking, and manual reconciliation. All that they look forward to is a smart automated solution where all the siloed data is brought together and unified into a single account. A liquidity management solution provides treasury teams with a centralised system for data control along with seamless ERP and banking integration, reduced risks, regulatory compliance and security. FinStream, a known treasury management system, centralises cash management for conglomerates, providing CFOs and finance controllers with an unparalleled understanding of the global cash position in real-time. It automates workflows, provides multi-currency management and global transaction support and immediate insights. FinStream as a Treasury Single Account FinStream automates key treasury functions through advanced technology. It helps reduce errors in fund transfers, mismanagement of surplus funds, or delays in accessing liquidity. Let’s understand the basic functionalities of the platform: How FinStream Guides Group CFOs and Treasury Heads for Liquidity Management? FinStream’s true value lies in its ability to empower financial leaders with the features they need to succeed in a dynamic environment. The liquidity management solution allows financial leaders to: When Should Businesses Opt for Single Account Treasury Management (SATM)? While the benefits of a TSA are universal, the need for FinStream becomes acute when a business has: Liquidity Management Solution is the Ultimate Need for CFOs Today, the financial world highly demands that liquidity management be an essential part of financial operations. CFOs today are often compelled to update their cash flow and liquidity plans every week, and sometimes even daily. This creates the need for a platform that is built with hyper-speed and precision. FinStream is a dedicated financial operating system that ensures business resilience and continuity. By unifying data and automating processes, it provides the control and visibility required to turn cash data into a competitive advantage. Group CFOs often consider it a strategic investment, so the finance team is prepared not just for the next crisis, but for the next opportunity. FinStream acts as a guide to help you anticipate cash flows, analyse debt, manage commodity risk, and optimise working capital programs. Want to learn more about the liquidity management solution? Check out for more details on our website. Frequently Asked Questions

Today, technology is everywhere, from your bedroom to your office workspace. So, why not in treasury management? Advanced technology and automated systems have enabled finance teams to streamline and centralise an organisation’s financial operations, related to cash, liquidity, and risk management. As a Single Account Treasury Management (SATM) platform, FinStream aims to enhance transparency, financial control, and optimise fund utilisation by providing real-time cash visibility and sweeping to regulatory compliance and payment processing. Why do we need a Treasury Single Account? CFOs, finance controllers, and treasury banking heads always look for a suitable treasury single account for the following reasons: FinStream, as a single account treasury management automation solution, addresses these pain points by providing a unified, efficient, and secure framework for financial operations. How Do We Automate the Treasury Single Account with FinStream? The Treasury Single Account (TSA) Finstream is an expert in centralizing cash management and automating key treasury functions through advanced technology and seamless integration by: Single Account Treasury Management Implementation Considerations SATM is ideal for organizations looking to simplify treasury operations, optimize liquidity, and enhance financial control. Check out the steps before implementing a TSA: What Are the Advantages Derived by Adopting the TSA? Finance controllers, treasury banking heads, group CFOs can gain an endless lists of benefits by adopting Single Account Treasury Management: Who can use FinStream? TSA platform FinStream can be used by the following sectors: Transform Your Treasury Today with FinStream The future of Single Account Treasury Management is moving away from manual processes towards sophisticated systems. FinStream is continuously enhancing its capabilities to meet the dynamic needs of modern treasuries. Its Service-Oriented Architecture (SOA), with a modular and API-first design, guarantees seamless integration with evolving external systems and future-proof treasury operations. FinStream stands as an essential partner in empowering governments, large corporates, and financial institutions to centralize cash, optimize liquidity, and gain unparalleled financial foresight.Achieve complete financial clarity across your entire organization with us. Reach us at this website: https://teknospire.com/ Frequently Asked Questions

Good cash flow is the key to any business’s success. Managing money the old way, with many separate systems and manual work, can be slow and complicated. Adapting a modern Single Account Treasury Management (SATM) solution is a smart way to get better control of your cash and improve your business’s financial health. Smart tools like FinStream allow one to see the cash clearly, manage it easily, and enhance liquidity. The system facilitates the efficient movement of funds between different business units. This, in return, ensures that surplus cash is readily available where needed, reducing reliance on external borrowing and maximising returns on available capital. What Stops Businesses from Having Ideal Liquidity Now? Achieving optimal liquidity in today’s intricate business environment presents a unique set of challenges for treasury teams: These issues create an urgent need for a Single Account Treasury Management system to address them comprehensively for better cash flow optimization, liquidity risk management, and access to real-time treasury analytics. The Intelligent Treasury: Embracing Modern Solutions Now it’s time for treasury teams to adopt proactive, intelligent solutions to overcome the challenges of achieving peak liquidity. This shift to modern approaches involves leveraging forecasting tools, scenario planning, and real-time data analysis to make informed decisions. FinStream: The Ultimate Engine for Enhanced Liquidity Performance FinStream emerges as a powerful and comprehensive Single Account Treasury Management platform with specific tools and capabilities necessary to transform one’s approach to liquidity management. Modernised Treasury Management System and FinStream Advantages FinStream promises to bring in a transition that directly impacts an organisation’s financial health and strategic agility. A particularly compelling advantage for large businesses and conglomerates with numerous entities, offices, and divisions lies in overcoming the inherent challenges of managing multiple bank accounts: FinStream: The Future of Modern Treasury Management In an era of rapid change and increasing financial complexity, clinging to outdated treasury practices is no longer a viable strategy. Achieving peak liquidity performance requires a paradigm shift – a move towards automated treasury solutions that leverage the power of modern technology. FinStream stands at the forefront of this evolution, offering a comprehensive Single Account Treasury Management platform designed to address the challenges of today and unlock the opportunities of tomorrow. Explore the possibilities with FinStream and step into a future of enhanced financial control and strategic advantage. Book a demo with our experts and unveil the magic of this intelligent treasury solution. Frequently Asked Questions

As businesses grow and operate across multiple markets, they require real-time visibility, greater control, and optimized liquidity management. Financial institutions (FIs) have an opportunity to enhance their treasury offerings; i.e. treasury management systems to meet these evolving needs. Single-account treasury Management (SATM) is more than just a product—it’s a strategic enabler that helps banks strengthen client relationships, improve operational efficiency, and stay competitive in an evolving financial landscape. With the increasing demand for sophisticated treasury solutions, banks that innovate in this space can position themselves as key partners in their clients’ financial success. Need for Single Account Treasury Management Conglomerates seek SATM to reduce complex workflows, consolidate accounts, and better understand their liquidity position. Businesses demand treasury management systems to improve cash flow visibility and centralize liquidity across subsidiaries. Banks, however, cannot help conglomerates centralize all cash and financial transactions. This is where Finstream comes into play. As a treasury management system, it helps bank customers with automated reconciliation and robust reporting capabilities, understand their financial position comprehensively and make data-driven decisions. Banks offer single-account treasury management for: Cutting Edge Solutions While technology has evolved rapidly, banks and financial institutions still face challenges in developing certain technological capabilities internally. To bridge this gap, they are increasingly forming strategic partnerships with fintech firms to provide state-of-the-art solutions to their corporate clientele. Single Account Treasury Management is one such solution that enables Finance Directors and treasury teams to track all cash positions in real time across multiple accounts, banks, and currencies. It is a replacement of multiple disconnected systems, enabling businesses to move money efficiently and stay ahead of financial risks. Treasury management software provides integrated tools to optimize working capital, manage cash pools, and prevent cash shortages. FinStream, as a platform, centralizes and automates payments to suppliers, employees, and partners. It automates regulatory reporting requirements and maintains a full audit trail while ensuring treasury activities align with financial laws and industry best practices. Challenges of Traditional Banking CFOs, Finance Directors and Treasury teams find it difficult to gain control over the working capital, consolidate cash inflows and outflows, and carry out manual reconciliation by spending hours. A few traditional banking challenges faced by conglomerates are: Technology helping Banks meet Treasury Needs Banks partner with fintech companies like Teknospire to help them meet treasury needs. FinStream is a perfect fit to support banks in meeting their customers’ demands, and offer bank treasury services. As a treasury management system, FinStream  has a quick implementation and comes with: Benefits of Single Account Treasury Management The following benefits enable treasury teams to operate more efficiently, make better-informed decisions, and contribute more strategically to their organization’s financial success. Here are the advantages of our treasury management system, FinStream: The Future of Banking and Treasury Management The evolution of banking and treasury management is inextricably linked to technological advancement and the ever-increasing demands of sophisticated corporate clients. Treasury Management Systems are a fundamental shift towards more integrated, efficient, and data-driven financial operations. The future will be characterized by even greater collaboration between banks and fintech innovators. Platforms like FinStream are paving the way for seamless, real-time treasury management, enabling conglomerates to transcend the limitations of traditional banking systems. In a nutshell, businesses will experience enhanced liquidity risk management and better cash flow visibility with more advancement in technology and expertise.