FR / EN Book a meeting
Expertise 02 · Cash, Payments & Liquidity

Rethinking the architecture of financial flows.

Payments, collections, liquidity, Correspondent Banking: OpenbanQ designs and transforms the flow architecture of Banks and large corporates, towards more integrated, interoperable and resilient models.

Discuss your project What we cover
  • 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
  • End-to-end flowsA Bank and Corporate view of flows, from account to settlement
  • Standards and InnovationISO 20022, SWIFT, EBICS, APIs, instant payments, Tokenisation and AI
The challenges

Faster, richer, more demanding flows.

Standards and expectations are changing at the same time: you need to modernise without disrupting operational continuity.

01

Standards on the move

ISO 20022, instant payments, verification of payee: payment data is changing in nature.

02

Multi-faceted complexity

Multi-entity, multi-bank, multi-currency, multi-rail: each layer adds costs and risks.

03

Multiplying infrastructures

APIs, open banking, platforms, programmable finance. Integrate without fragmenting: interoperability.

What we cover

Six workstreams for controlled flows.

Flow Architecture

  • Mapping of payments and collections
  • Centralised, regional or hybrid models
  • Cost, complexity and risk points

Bank Connectivity

  • SWIFT, EBICS, host-to-host, APIs
  • ERP and TMS integration
  • Multi-bank and multi-currency

ISO 20022 & Instant

  • Data migration and enrichment
  • Instant payments and verification of payee
  • New use cases

Liquidity & Cash Pooling

  • Physical and notional cash pooling
  • In-house bank, POBO/ROBO, netting
  • Liquidity forecasting and management

Correspondent Banking

  • Review of the network and its profitability
  • Compliance and transparency
  • Modernising cross-border chains

Cash Management Offering

  • Corporate value proposition
  • Digital channels and Data services
  • Fintech partnerships
Our approach

From vision to execution, in four stages.

Modernise step by step, securing every migration and the continuity of operations.

  1. 1

    Mapping

    Flows, accounts, banks, tools, costs and risks.

  2. 2

    Target

    Flow architecture, organisation and banking model.

  3. 3

    Trajectory

    Business case, sequencing and trade-offs.

  4. 4

    Migration

    Steering, testing, cutover and operational continuity.

Who it is for

Expertise serving three audiences.

Banks

Cash management, payments and correspondent banking offering.

Learn more

Corporates

Centralisation, cash pooling, connectivity and banking relationships.

Learn more

Fintechs

Positioning against banks, TMS and ERP vendors.

Learn more
Our other expertise

An end-to-end view of financial flows.

Expertise 01Digital Assets & Tokenisation Expertise 03Fintech Advisory Expertise 04Digital Trade & SCF

A Cash Management project?
Let’s talk.

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

Book a meeting Write to us
Book a meeting