Banks & Financial Institutions

Modernise your Transaction Banking offering.

Cash Management, Trade Finance & Supply Chain, Correspondent Banking, Digital Assets: OpenbanQ helps Financial Institutions and Banks evolve their offerings and infrastructures, from strategy through to implementation.

Discuss your project Our areas of intervention

20+ yearsof experience in Global Transaction Banking at G-SIB Tier-1 banks (Calyon, CACIB, HSBC)
Europe & AsiaMulti-country transformations, including 6 years in Hong Kong
TrainingTeaching at Université Paris Dauphine-PSL and for BAFT
Industry initiativesActive in the ecosystem and co-organiser of the Treasury Innovation Day (AFTE)

Your challenges

Transaction Banking is changing its model.

Flow revenues under pressure, new infrastructures, new entrants: banks must quickly choose between modernising, partnering or differentiating.

Infrastructures being renewed

Widespread ISO 20022, instant payments, verification of payee, APIs: standards are moving faster than legacy systems.

Value is shifting to data and services

Treasurers expect real-time visibility, ERP integration and digital journeys. Flow pricing alone no longer builds loyalty.

New players and new forms of money

Fintechs, platforms, stablecoins and tokenised deposits under MiCA are reshaping the payments and settlement value chain.

Our areas of intervention

Six workstreams, one end-to-end view of flows.

Cash Management & Payments

Corporate offering: accounts, reporting, centralisation
Instant payments, ISO 20022, APIs
Liquidity, cash pooling, IHB · POBO/ROBO

Trade Finance & SCF

Documentary credits, guarantees, SBLCs
Supply Chain Finance programmes
ETR / MLETR, eBL, electronic guarantees

Correspondent Banking

Review of the network and its profitability
Modernisation of payment chains
Clearing, settlement, new infrastructures

Digital Assets & Tokenisation

Tokenised deposits and settlement stablecoins
MiCA framework, custody, governance
From pilot to industrialisation

Fintech & Open Banking Partnerships

Fintech sourcing and assessment
BaaS, API and embedded finance models
Integration into the offering and IT systems

Strategy & Executive Committee

Diagnostic, competitive benchmark
Target Operating Model, business case
Executive awareness and education
Integrating AI into Transaction Banking

Our approach

From vision to execution, in four stages.

A method rooted in banking execution: every recommendation is designed to be operated.

1
Diagnostic
Mapping of the offering, flows, costs and market positioning.
2
Target
Value proposition, Target Operating Model and partnership architecture.
3
Roadmap
Business case, sequencing, build / buy / partner trade-offs.
4
Implementation
Programme steering, stakeholder coordination, securing adoption.

Typical deliverables

Deliverables ready for the Executive Committee.

Strategic diagnostic and competitive benchmark
Target Operating Model and target architecture
Business case and sequenced roadmap
Regulatory positioning note (ISO 20022, MiCA, ETR…)
Specifications and selection of fintech partners
Executive Committee materials and awareness programmes

Engagement formats

A set-up tailored to your needs.

Advisory mission

Diagnostic, target and roadmap on a defined scope.

Senior advisory

Long-term support for a business division or a programme.

Executive Committee training

Tailored sessions: digital assets, Digital Trade, payments.

Industry working groups

Facilitating joint work between banks, corporates and fintechs.

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Discover our other services.

Corporate, CFO & TreasurerOptimise liquidity and working capital Fintech & TradeTechAccelerate access to the financial ecosystem

A Transaction Banking
project? Let’s talk.

A first 30-minute conversation to frame your challenge and identify the priority levers.

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