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Cash Visibility - Pain Points & Challenges

Pain Points

Manual Processes

  • Daily verification is manual - Must check if funded accounts have correct balances each morning; no automated alerts
  • Source: ON (2025-11-11)

Scale & Attention Challenges

  • 150 accounts blindness - With so many accounts to review, treasury teams become "fully blind" and don't know where to focus attention

  • Source: ON (2024-11-19) - "At some point, you become blind, you become fully blind. You see the numbers but you don't know where to draw your attention if you have 150 accounts."

  • No prioritization of accounts needing attention - All accounts appear equal; need tool to highlight top 10 accounts to focus on each day

  • Source: ON (2024-11-19)

Multi-Entity Visibility

  • No live visibility of balances across entities - Central Treasury can't see actual balances; relying on self-reported figures from opcos

  • Source: Live Events (2025-04-01) - "We had no way of seeing live balances on accounts... we have nothing to tie it back to"

  • Opco self-reported balances with no verification - Entities could misrepresent their cash position; Treasury has no way to verify

  • Source: Live Events (2025-04-01) - "Theoretically, at the moment, they could say they've got one million because they don't want us to take"

  • Fragmented data across 20+ banks - Multiple banks across operating businesses without centralized view

  • Source: Live Events (2025-04-01) - Bank rationalization journey from 40+ to ~20 banks

  • Only subset of accounts visible in TMS - Many subsidiary accounts not reconciled in TMS; managed via spreadsheets

  • Source: IHG (2025-04-07) - Only 10 Treasury accounts in Kyriba; ~50 subsidiary accounts managed manually

  • Cash Position Worksheets limited - Single currency only, not customizable, changes disappear

  • Source: IHG (2025-04-07) - "The cash position worksheets... you can only look at things in one currency"

IC Reconciliation Challenges

  • Need to manually calculate differences between IC cash in/out - Must compare cash in vs cash out manually to find miscategorized IC transactions
  • Source: ON (2025-10-07) - Need table showing IC transactions with cash in vs cash out for reconciliation