Reduce costs with intelligent payment throttling
Manage payment flows effectively, minimise liquidity usage, prioritise urgent obligations, and enhance financial stability.
The Challenge
Managing payment flows to minimise liquidity usage while ensuring that time-critical and urgent payment obligations are met is a significant challenge.
Typically, payments are released at the start of the day, if your bank lacks control over the ordering of settlements, your liquidity usage becomes unpredictable. When liquidity usage is erratic, the bank may face shortfalls or excess liquidity, both of which can be costly and disruptive.
The Solution
Realiti enables banks to release payments throughout the day, making informed decisions on whether to instruct or throttle back payments based on business rules and liquidity checks. By prioritising high-priority payments and processing lower-priority ones only when sufficient liquidity is available, Realiti ensures that payment obligations are met while minimising liquidity usage.
This approach not only meets critical payment deadlines but also reduces overall liquidity usage. The benefits include:
- Reduced intraday liquidity costs
- Decreased peak liquidity demands
- Lower buffer requirements
- Reduced operational and financial risks
See Realiti in action
See how Realiti® transforms intraday cash, collateral, and liquidity management. Banks gain real-time oversight of cash and securities, the platform reconciles forecasted vs actual positions, and delivers a single source of truth via intuitive dashboards.
