Change for the better with Zoreza global, a global leader in digital treasury solutions
Elevate your liquidity management to higher standards
Liquidity management enables organizations to meet their short-term financial obligations promptly and without substantial losses. Regulators have identified inadequate liquidity management as a risk to financial stability since the 2008 financial crisis. BCBS 248 requires banks to demonstrate an understanding of intraday positions and identify monthly peak balances.
Zoreza global delivers tangible real-time benefits
Regulators focus on compliance reporting, resolution planning and stress testing, closely scrutinizing the intraday aspects of your liquidity strategy. Banks must optimize funding and liquidity, understand the drivers of intraday liquidity usage and gain real-time liquidity control to ensure compliance. However, achieving real-time intraday control is challenging and requires capturing transaction-level data, applying complex analytics and delivering instant results in various formats.
Real-time accuracy reduces funding swing size and frequency (allows cut-off deadlines to be delayed, benefitting upstream business units).
Enables intraday later-closing currency swaps, the set-up of currency-specific, treasury management centers and deferred deadlines.
Proactively managed and smoothed with funding control integrated with the payments function, allowing intraday payments to be staggered.
Dramatically reduce the risk of mishandling a time-sensitive client payment or releasing payments without proper control.
Shows where and how the firm’s legal entities operate accounts and enables more rigorous management of bank relationships and contracts.
An end-to-end process redesign and investment in liquidity management services, data insights and automation offset the hefty cost of error-prone manual procedures.
We collaborate with key platforms like Murex, Calypso, Orchestrade, Finastra and Temenos/Connected Bank to help banks manage the complete transaction lifecycle e.g., capturing transactions or creating a unified, global view of balances across currencies and accounts.
Our expertise extends to advanced cash and liquidity management solutions, including Planixs and SmartStream. These cutting-edge tools help consolidate fragmented infrastructures, providing real-time optimization of cash, collateral and liquidity. With intelligent insights (even across vast data volumes) we empower your treasury business to make informed decisions in critical areas like funding, liquidity, compliance and risk.
As a trusted industry advisor, Zoreza global harnesses partner capabilities to optimize your treasury liquidity management, whether you require assistance with transaction lifecycle management or advanced bespoke solutions tailored to your unique requirements.
Collaborate with Zoreza global to unleash the full potential of your financial operations. Our solutions can be deployed on-premises or on the cloud in Software as-a-Service (SaaS) mode, ensuring flexibility and scalability to meet your evolving needs.
Actively managing intraday liquidity, rather than just focusing on optimizing the end-of-day position is now, not only possible given the latest technology available, but essential for banks as well as large corporates.
The opportunity to reduce funding costs significantly and increase operational efficiencies is such that the business case for investment in liquidity management capabilities is compelling and often self-funding – with the platform providing a base for supporting new client services and revenue streams.
Turning to a liquidity management service provider enables banks to achieve one or several of the following six goals:
Liquidity management has always been important for these five key reasons:
An established trend in the finance industry, real-time liquidity management isn’t an option for banks. Their capability for it is closely monitored by regulators across the globe to ensure the banking system’s resilience and the bank’s compliance with the requirements of the Basel Committee on Banking Supervision (BCBS) 248.
The increased adoption of real-time liquidity management goes hand in hand with the rise of instant and real-time payments, faster cross-border transactions, and Open Banking initiatives. What’s more, it’s accelerating these and other trends in the finance industry, becoming a competitive advantage for those banks that go beyond the regulatory requirements.
However, real-time liquidity is also at the root of some challenges banks must grapple with. The definition of real-time liquidity may differ based on jurisdiction, causing a lack of consistency between banks. It also exacerbates obstacles caused by the outdated legacy estate and different conditions across currencies.
Here are six effective strategies for mitigating liquidity risks:
