Sectors
Commercial Banks
Driving Capital Efficiency and Real-Time Operational Control
Inefficient liquidity management traps billions in capital.
Relying on fragmented, end-of-day reports forces banks to hold massive buffers, driving up intraday funding costs and blinding treasury teams to real-time operational risks.
The cost of trapped capital: End-of-day batch reporting forces banks to maintain excessive precautionary buffers. This traps millions in capital and escalates intraday funding costs across every currency and rail.
Real-Time Flow Blind Spots: Global shifts towards 24/7 instant payments render traditional treasury systems obsolete. Without the ability to process high-velocity transactions in real time, banks cannot identify liquidity bottlenecks before they escalate.
Regulatory & Stress Testing Burden: Static spreadsheets fail to simulate complex concurrent shocks like dual-CCP margin calls. Meeting evolving BCBS 248, PRA, and Fed requirements through manual processes creates unsustainable IT overhead and heightens regulatory scrutiny.
Real-time visibility across every payment rail exposes structural drains, enabling institutions to shrink buffers to precise requirements while aligning all departments around a single operational picture.
Real-time visibility across every payment rail exposes structural drains, enabling institutions to shrink buffers to precise requirements while aligning all departments around a single operational picture.
Intelligent Liquidity Optimization (ILO) delivers this through a connected workflow—See, Alert, Analyze, Simulate, Decide, and Optimize—driven entirely by a unified data model.
This shared intelligence transforms how individual functions operate: Treasury identifies and deploys trapped capital, Risk stress-tests scenarios prior to execution, and Operations proactively manages queues before bottlenecks occur. Simultaneously, Financial Resource Management (FRM) can adjust liquidity behaviors and Funds Transfer Pricing (FTP), Product teams can refine offerings based on client flow data, and the C-suite gains on-demand regulatory reporting without disrupting daily workflows.
The platform connects to existing systems within weeks and functions effectively even prior to achieving perfect data quality. As regulations evolve, compliance mapping updates are delivered in days, not quarters. FNA fully manages the integration process, requiring only three initial data feeds to activate the intelligence engine.
Intelligent Liquidity Optimization (ILO) delivers this through a connected workflow—See, Alert, Analyze, Simulate, Decide, and Optimize—driven entirely by a unified data model.
This shared intelligence transforms how individual functions operate: Treasury identifies and deploys trapped capital, Risk stress-tests scenarios prior to execution, and Operations proactively manages queues before bottlenecks occur. Simultaneously, Financial Resource Management (FRM) can adjust liquidity behaviors and Funds Transfer Pricing (FTP), Product teams can refine offerings based on client flow data, and the C-suite gains on-demand regulatory reporting without disrupting daily workflows.
The platform connects to existing systems within weeks and functions effectively even prior to achieving perfect data quality. As regulations evolve, compliance mapping updates are delivered in days, not quarters. FNA fully manages the integration process, requiring only three initial data feeds to activate the intelligence engine.
Explore our Products for Commercial Banks:
ILO Monitor
See every position, flow, risk and exposure across cash, securities and digital assets,in real time, with behavioural anomaly detection and automated regulatory reporting built in, delivering millions of dollars in efficiency gains.
ILO Simulate
Validate your funding strategy before capital moves; stress-testing any scenario from intraday to 30 days on live production data, with version-controlled ALCO outputs ready in hours increase capital deployment effectiveness and regulatory response.
ILO Optimize
Recommends the optimal payment sequence to release trapped capital and reduce buffers by >25% within your risk appetite and SLA, executing automatically within pre-approved parameters, or with human approval at every step.
