The introduction of instant payments and real-time banking services promote the development of digitised banking services for banks' corporate customers. The use cases range from immediate cash pooling services to ad-hoc loans or direct trade payments. Efficient real-time liquidity management can be achieved through a unified view of accounts with multiple banking relationships, e.g. by integrating data via PSD2 APIs. Based on this information, decisions can be made quickly and executed immediately to avoid unnecessary corporate loans.
The offer to support instant payments is voluntary for banks. However, as instant payments are becoming increasingly popular in the retail banking sector, they will also generate demand in the corporate customer segment. Only banks that can quickly meet these requirements provide themselves and their customers with a competitive advantage.