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Expert view: the ACI blog

Craig Ramsey

Transaction Banking Solution Lead

Posted on: Friday, March 25, 2011

IPS in review

As the IPS conference in London drew to a close yesterday one theme was coming through loud and clear: there are plenty of new payments methods emerging into the mainstream, such as mobile, and lots of new ways to interact with customers.

Paul Styles

Paul Styles

Product Marketing Manager

Posted on: Thursday, March 24, 2011

Cutting costs is not enough

Yesterday at the IPS conference in London, a major theme emerged for payment banks: managing costs is no longer enough to maintain a successful payments business – banks simply have to become more efficient.

Louis Blatt

Chief Product Officer

Posted on: Wednesday, October 27, 2010

The Real Payments Impacts from Liquidity Regulations

As a key theme for SIBOS there is a lot of discussion about the impact of regulations, and the unexpected consequences that all too often accompany new rules.

Tony Smith

Tony Smith

Strategic Consultant

Posted on: Monday, October 25, 2010

"Real-Time" Liquidity Management Values to be Realised

In today’s banking environment, payments data and transactions live on their own islands, separated according to discrete payment businesses or at least discrete geographic units, rather than linked together for holistically serving all these liquidity purposes. Banks might pursue integrating some of these systems in an equally silo’d fashion, through extensive and expensive systems integration projects, but those approaches are not repeatable, adjustable or easily refinable. Real-time insight cannot be delivered on demand across a diverse spectrum of activities, and real-time actions and responses cannot be automated with any ease or consistency.

Tony Smith

Tony Smith

Strategic Consultant

Posted on: Monday, October 25, 2010

Who has accountability for Liquidity Management?

Very few banks have mastered the art of accountability when it comes to liquidity management. Corporate treasury and finance generally are responsible for the function in most institutions, depending on the purpose for which liquidity is being managed, but often neither has it firmly in its domain.

Tony Smith

Tony Smith

Strategic Consultant

Posted on: Friday, October 8, 2010

Managing Liquidity for a Competitive Advantage

The art of accountability when it comes to liquidity management was the topic of a recent blog I posted. The premise behind that blog was that most banks have not mastered this art, but instead spread this responsibility between Corporate Treasury and Finance, depending on the purpose for which liquidity is being managed.

Bob Mackman

Head of Business Services (Wholesale)

Posted on: Wednesday, March 10, 2010

Day Two at the International Payments Summit

While we were eased into this year’s International Payments Summit on Monday, yesterday’s sessions contained more heated debates. Discussions yesterday first of all turned to proposed Basel III regulations which will require far more capital to be raised by the banks (a core capital ratio of at least 6 per cent will have to be maintained). According to a number of projections from major financial institutions, this means that the European banking sector as a whole will have an aggregate extra funding requirement of more than one trillion Euros, or nearly one and a half trillion dollars, to comply with Basel III.

Bob Mackman

Head of Business Services (Wholesale)

Posted on: Tuesday, September 29, 2009

Can banks manage new liquidity requirements?

Banks’ risk management capabilities are under the spotlight following the events of the past two years. The issue of liquidity used to sit firmly with the treasury department, but the advent of RTGS (real time gross settlement) has broadened its scope and the current scarcity and cost of liquidity means that this problem now affects the flows in commercial and retail payments departments.

Bob Mackman

Head of Business Services (Wholesale)

Posted on: Tuesday, September 22, 2009

Customers Expect

It’s clear that corporations expect more than ever before from their banking service providers. They are demanding the same level of insight for payments as they receive for other areas of their business, e.g. the tracking of products in the manufacturing cycle. At the moment, however, many payment systems are not dissimilar to a “black hole” - the payment request goes in but no visibility of progress is provided as the transaction works its way through all the systems.

Paul Styles

Paul Styles

Product Marketing Manager

Posted on: Friday, September 18, 2009

What is the colour of money?

‘Familiarity breeds contempt’ is a line from Hollywood Beyond’s hit single, ‘What’s the colour of money?’. The same phrase could arguably be used to describe bankers’ relationship with money in the run up to the recent credit crunch. Although managing liquidity is, and has always been, an important activity for banks, many neglected to give it the attention it deserves. The recent financial crisis has, however, changed all of that.