Liquidity Management Gutenberg

Cash. Unleashed.

Full, Contextual, Real-Time Control of Cash for your Corporate Clients

Global solution to transform Corporate Liquidity Management

Liquidity | Treasury | Sub-accounting.

Swept Every Year

of the World’s Multinational Corporations cross-border sweeps

Compliant in 70 Countries

Notional Pools Every Year

Unleash the Solution

Contextual Design. Digital without Boundaries.

Physical Cash Concentration Sweeps

Encourage transactions and increase wallet share by consolidating surplus and deficit balances at a pre-defined time through one or more concentration accounts. Automatically sweep balances from multiple accounts, in multiple currencies, and across multiple banks.

Notional Pooling

Be the customer’s primary bank by offering liquidity techniques that give a centralized view of liquidity position to recognize trapped cash without requiring movement. Allow customers to keep control of their account balances daily, and incentivise them with a robust interest engine that configures advanced interest allocations based on aggregate deposit amounts.

Inter-Company Loans

Enable customers to lend and borrow cash between business units, joint ventures, and subsidiaries, without requiring credit loan arrangements, even on short notice. Offer in-house banking with loan lifecycle management and intercompany limit tracking, utilizing various intercompany loan types.

Investments

Automate excess cash placement into on- and off-balance sheet investment products, and take over routine tasks that support the investment process, while allowing control over the company&#8217;s investment policy. Offer self-service capabilities to deliver an end-to-end investment platform for portfolio and performance monitoring, analytics, decision making, and execution. Support directed investments and automated, rules-based investment sweeps with easy-to-use setup and maintain menus.

Cash Flow Forecasting

Give customers tools for clear insights into current and future cash flows. Analyze annual cash forecasts by day, week, month, or year, based on information from multiple sources. Use machine learning to suggest new patterns for future forecasts.

Global Deposit Manager

Manage the full product lifecycle to introduce new deposit types to the market. Streamline the core demand deposit account (DDA) banking engine and handle deposit workflows and accruals outside the DDA. Avoid the DDA book of work and deliver innovative products to clients quickly and efficiently.

Operational Account Manager

Encourage deposits by splitting cash into operational and non-operational balances. Create a win-win situation for the bank and the customer by earning higher returns through maturity transformation and passing on some of the benefits to the customer. Analyze, measure, and report account behavior to gain insights into accounts that are close to meeting operational qualification.

Corporate Demand Deposit Account (DDA)

Streamline your cash management with Corporate Treasury Exchange’s (CTX) Corporate DDA solution. Our platform is designed to overcome the complexities of corporate banking, offering agile onboarding and instant account setup to get you up and running faster. Gain unparalleled control and transparency with the ability to manage linked and multi-interest accounts within flexible account groups. Crucially, our solution provides real-time balances and transaction monitoring, empowering you with the live data needed to make informed decisions and optimize your liquidity with confidence. With CTX, your treasury is not just managed—it is empowered.

Transaction Limit Management

Enable real-time payment decision-making to prevent payment delays and ensure sweep instructions are executed only when sufficient cash balances or credit limits are available.

Contextual Pricing

Reward clients based on various criteria such as loyalty, operational activities, balance growth, balance stability, ESG adherence, payments, collections, or other measurable variables. Pass value back to accounts with high loyalty or operational activities.

Power. Control. Visibility. Auto-action. Real-time

Utilize the premier liquidity platform to acquire and retain clients as the principal banker, all while safeguarding the bank’s integrity. Offer clients tailored solutions without constraints, while also protecting the bank from FX arbitrage risks and limit breaches. Enhance user experience, ensure Basel compliance, and effectively manage deposits and operational accounts to maintain balance sheet health and mitigate regulatory and risk management issues.

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Client Delight with Superb UX
Build new client deposit products and bring them quickly to market, whether for regulatory compliance or to drive new innovation.
Analytics help banks understand what are the best performing deposit products, in which markets and for which segments. Layer in contextual pricing to promote better financial results

The Self-Service Win-Win
Intuitive self-service allows for the setting up and amendment of cash pooling and liquidity structures directly by the client.
Investments can be executed from the client user interface without the need for bank user intervention. Reports can be accessed online, and real-time analytics gives insight into the client’s cash and investment portfolio as well as forecasts of future positions. Self-service saves time for your clients, and reduces the operational demands on the bank

Avoid balance sheet & other shocks
We recognise that your clients’ liquidity will at some stage be part of your bank’s liabilities. Having tools that help your clients to manage their liquidity and that also help the bank to meet its liability mix objectives is key to a healthy relationship with all your stakeholders
We help banks help their clients to manage their cash and liquidity pools and also help the bank meet its liability mix objectives
Encourage the right kind of cash deposits from your clients. Help your clients do more operational business more cheaply, while helping the bank meet its liability mix objectives

Growth Market Share. Transform Return on Equity

Revolutionize financial operations with our top-notch app, optimizing cash management, investment tracking, and liquidity control across various entities and currencies. Your banks corporate clients can benefit from the robust features including intutive dashboards and enhanced controls for deposit management, forecasting, and more.

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Cash only when and where you need it

Meeting your corporate clients’ cash management needs is vital to creating, building and maintaining strong relationships. Helping your client to manage its money effectively through cash pooling and liquidity management is one half of the cash management coin – payments (moving the money) is the other

For direct Financial Benefits

Enabling forward sight of cash movements, and understanding where and when there will be excess cash, enables clients to manage money better. Cash that won’t be needed can be invested; enhancing returns for your client

Automation in the background
Effective management of liquidity is only possible with algorithms that operate in the background. These programs quietly ensure that the money is where it needs to be when it needs to be there
Based on rules, and operating 24/7, a cash pooling liquidity management system will help your clients avoid unnecessary overdrafts, so delivering cost savings to your client and capital savings to the bank

Composable, Contextual & Hyperscale Architecture

For High Resilience and Processing Large Volumes in Partnership with Microsoft Azure and AWS

My signature solution

eMACH.ai is a cutting-edge open finance platform that streamlines banking operations, automates processes, and enables data-driven decisions. Our advanced technology reduces complexity by 30%, helps institutions move to the marketplace faster, and offers comprehensive Microservices and APIs backed by AI intelligence for seamless integration.

ESG Investment for Client Goals

Support your clients in meeting their ESG targets. Dial in the environmental, social and governance scores you want to promote and reward clients with the best ESG credentials. Help your clients deploy excess cash into investment portfolios that display strong ESG profiles. Investing in ESG not only benefits your clients financially but also contributes to building a more sustainable world that we can all be proud of for generations to come.

Powered by LISA Contextual Design

All founded on the ultra-modern API-first, cloud-native, pure open source, real-time infrastructure. Easy integration with the bank’s existing eco system through simple interfaces. Don’t burden the DDA system. Or systems. Powered by LISA Contextual Design.

AI and ML for Cash Management

Tomorrow’s technology is arriving faster than ever with the application of machine learning (ML) and artificial intelligence (AI) to deliver new cash management tools. Our future technology will help your clients to understand and respond faster to environmental changes, improve the speed to deliver code to support new client needs, update and optimise client liquidity structures automatically

Supporting banks sustained revenue growth through high quality deposits

Intellect Liquidity Management suite of products, founded on the API-first, cloud-native, pure open source and real-time infrastructure, ensures smooth integration with the bank’s existing ecosystem through simple interfaces. With ‘headless’ products, CTX doesn’t burden the bank’s DDA system(s).

Our cash optimisation offerings have been developed considering four principles–forecasting cash flows, managing cash flows, segmenting cash and deploying cash. We understand it well that one size doesn’t fit all and so, from the plethora of products, banks can either pick and choose or avail the entire CTX suite of products, as per their requirements.

“Intellect’s position is based on the depth and breadth of its product functionalities, established on its knowledge of liquidity management dynamics, dominance in the field, and client endorsements and references.”

Enrico Camerinelli,

Strategic Advisor, AITE Novarica

Power. Control. Visibility. Auto-action. Real-time.

Utilize the premier liquidity platform to acquire and retain clients as the principal banker, all while safeguarding the bank’s integrity.

Gain and Retain Clients

Client Delight with Superb UX
Build new client deposit products and bring them quickly to market
Help banks understand what are the best performing deposit products with best in class Analytics

Operational Efficiency

Intuitive self-service to set up and amend cash pooling and liquidity structures
Investments can be executed from the client user interface without the need for bank user intervention.
Reports can be accessed online, and real-time analytics
Self-service saves time for your clients, and reduces the operational demands on the bank

Protect your bank

Avoid balance sheet & other shocks
Powerful tools to help your clients to manage their cash and liquidity pools
Tools to help the bank to meet its liability mix objectives
Encourage the right kind of cash deposits from your clients.
Help your clients do more operational business at lesser cost

Transform liquidity management from zero-sum to win-win

How banks can offer liquidity management services without losing out

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