User experience consistency
Long backlogs
Lack of innovation power
Limited budgets
Integration with other platforms and departments
Sourcing
Time-to-market
Legacy / lifecycle management
Vendor lock-in
Cyber security challenges
TreasurUp developed it, tailors it to your bank, keeps it up-to-standard, manages it (SaaS model) if requested, input from multiple banks
Each engine has its own front-end: bank aggregates in business portal
Bank builds everything inhouse
ISO27001, SOC2 & PCI DSS (for payment systems) are minimal set of requirements.
Some banks incentify building inhouse teams
Key differentiator for a buy vs build decision. Related to the criticality of the system
This criterion is not applicable for concept/co-development approaches but only for finished & proven products
Ultimately the business objectives and financial preferences (capital vs expenses) determine the value assessment.
Typical integration points are required for authentication/SSO, downstream transaction processing and reconciliation services.
Most larger bank also run scalable container platform on their own cloud subscription of Azure and AWS
SaaS vendors are focused on continuously improving and innovating their product based on client feedback and market/technology trends. Additional subscription fees for new services/features might apply however.
It is challenging and costly to continuously innovate with internal teams, as a lot of focus, however innovation can tailored to banks specific needs
Extensive transaction analytics
Sales intelligence for client interaction
Smart risk and liquidity management
Out-of-the-box corporate connectors for ERP data and Open Banking data
Sales intelligence for clientBank-specific connectors supporting multiple integration patterns (API, Messaging) for Real-time data for account balances, transactions, FX trades & rates and reconciliation. interaction
Solutions that can grow with the bank’s needs and adapt to new market demands or regulatory changes
Unified digital experience across web and mobile, supporting both self-service and assisted interactions
Access to cutting-edge features (e.g., AI-driven insights, predictive analytics) that differentiate the bank from competitors
Both on-prem and cloud hosting supported
Extensive bank/corporate management capabilities via API or web interface
Bank sales cockpit with actionable insights and corporate engagement features
iOS and Android mobile applications
Comprehensive secured API endpoints for TreasurUp service integration
Robust integration options, including APIs for seamless data flow between TreasurUp and the bank’s own systems
End-to-end encryption, multi-factor authentication, and compliance with relevant financial regulations (e.g., PSD2, GDPR)
Workflow and automation capabilities supporting corporate Treasury use cases across FX, Liquidity structures/management and Investor products
Identity & access management with entitlements and SSO/JIT provisioning.
Implementation stage 1.0
Run mode
Simple trading for small companies (incl mobile trading), automated algo-based hedging for advanced hedging companies
Retrieving AP/AR and other transaction data instantly
Consolidation of forecasts without Excel sheets and direct access to bank products (credit and debit)
Treasury-oriented views on cash flows: from data to actionable information
TreasurUp to continuously add new features, keep platform up-to-date and implement requests from your bank
Building a portfolio based on investment rules
