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How FinTech is Streamlining Treasury Departments

by Brian Boldt

Treasury Curve

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”FinTech companies are businesses that leverage new technology to create new and better financial services for both consumers and businesses. It includes companies of all kinds that may operate in financial management, insurance, payment, asset management, etc.”

What is FinTech?

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• The word “FinTech” has been around since the 90’s

• Do you remember X.com?

• Corporate behavior follows Consumer Behavior

• Unbundling applies beyond Financial Institutions

– Hotels.com, Tire Rack

The History of FinTech

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Traditional Banks are under Attack!

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Non-Financial Institutions are under Attack!

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• Aggregation

• Secure

• Affordable

• Mobile

Treasury Wish List

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Global Treasury Challenges

• Multiple financial institutions

2016Transaction Banking Survey

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Global Treasury Challenges

PROFITS COMPLIANCE• Multiple financial institutions

• Too many manual processes

• Not enough staff or budget

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Solution › Financial Institution Supermarket

• Visibility of banks, locations, balances and transactions

• Forecast cash flows, move money and reconcile

• Payment Factory with ERP integration and reconciliation

• Compliance Manager includes multi-bank sweep

C A S H M A N A G E M E N T

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Cash Management

Solution › Cloud-Based Treasury Management…

Web-Based UI“Apps”

CUSTOMER INTERNET/CLOUD BANKS

Direct Connection

to SWIFT

SAP, OracleMicrosoft, TMS, etc.

Financial Institutions

Financial Intermediaries

Broker-Dealers

Investments

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Secure

• SOC Compliant

• Multi-Factor Authentication

• Embedded Workflows

• Data Center Backups

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Affordable

• Costs Less Than Hiring Additional Employees

• Price Can Be Offset Or Eliminated by AUM

• No Seat Licenses

• No Installation

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Mobile

• Any Device - Touchscreen Enabled

• Any Operating System

• No Apps To Download Or Install

• Only One Passcode Across All Banks

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Flexible

• Customizable Business Intelligence

• Import from and export to Excel

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SWIFT

• The bank’s language

• 10,000 financial institutions - 1 secure, reliable “pipe”

• One destination - all financial transactions

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Competitive Architecture

Proprietary

P2P

Connections

Bank 1

Bank 2

Bank n

Legacy Enterprise TMS

Treasury Management

Systems

SWIFT

Service Bureau

Banks, Financial

Intermediaries, and

Broker-Dealers

…Extensions

Custom Integration

SaaS TMS Vendors

TMS Modules

Banks, Financial

Intermediaries, and

Broker-Dealers

SWIFT

Service Bureau

or Bank Hosted

Proprietary

P2P

Connections

Bank 1

Bank 2

Bank n

…

Custom Integration

Banks, Financial

Intermediaries, and

Broker-Dealers

LITE2

TMS Modules

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• Research

• Trade

• Report

• Analyze

Money Fund Portals

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Old School Treasury

Customer

Bank

1

Bank

2

Bank

3

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FinTech Way

Customer

Bank

1

Bank

2

Bank

3

TMS

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• Old School

– Bank Statement Download

– Excel Comparison

• FinTech Way

Reconciliation

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• Service Organization Controls (SOC) reports are designed to help service organizations that operate information systems and provide information system services to other entities, build trust and confidence in their service delivery processes and controls through a report by an independent Certified Public Accountant.

What is SOC?

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SOC Reports

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• Directory Integration

• Single Sign-on

• Multi-Factor Authentication

• Centralized Access Control

TMS Integration with Active Directory

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• E&O Insurance– Type of professional liability insurance that protects

companies and their workers or individuals against claims made by clients for inadequate work or negligent actions.

• Cyber Insurance– Designed to help an organization mitigate risk exposure by

offsetting costs involved with recovery after a cyber-related security breach or similar event.

• Fidelity Bond– A form of insurance protection that covers policyholders

for losses that they incur as a result of fraudulent acts by specified individuals.

Insurance Policies

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• FinTech has changed the TMS

• Past RFP Questions may no longer apply today

• Focus is on Aggregation, Security, Affordability and

Mobility

Summary

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Questions?