Maximising Idle Cash Reserves: Striking the Perfect Balance Between Liquidity and Investment - Powered by JP Morgan
The discussion highlights the role of a core banking partner in providing necessary infrastructure and liquidity management to ensure seamless and cost-effective business operations.
Key highlights
Importance of Efficient Capital Management:
- Fintechs must preserve capital for expansion and customer acquisition while keeping operating costs optimal.
- The right account strategy drives visibility, control over cash flows, and identifies inefficiencies.
Role of Core Banking Partnership:
- A banking partner can enhance a fintech’s flexibility and modularity by integrating into its infrastructure.
- A core banking partner drives cash visibility and makes sure that you get cash where and when you need it, whilst helping to prevent you from staying out of the short-dated funding markets and use your capital for alternative purposes.
Smart Account Strategy:
- Accounts are crucial for managing payments, treasury functions, and storing value.
- A smart account strategy integrates dynamic data for forecasting and improving customer experiences.
- Intelligent liquidity systems allow money movement based on pre-set rules, ensuring funds are available when needed.
Benefits of Collaboration:
- Partnership with a core bank can power 24/7 operations, allowing businesses to focus on market expansion, and maintain investor-friendly margins.
- Banking partners provide industry expertise, market solutions, and regulatory guidance critical for fintech growth.
Conclusion
The integration of smart accounts and intelligent liquidity structures is a launchpad to growth and investor confidence. Effective collaboration between fintech and banks enhances overall business efficiency and competitiveness.
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Speaker:
- Amy Eckhoff, Managing Director, Global Liquidity & Accounts Payments, J.P. Morgan Payments