Insights
Notes on treasury, payments, and building products in commercial banking.
Why Virtual Accounts Are Quietly Reshaping Corporate Liquidity
·Harsh Thakkar
Virtual account structures let treasurers see cash across dozens of entities as one pool. That shift in visibility is changing how corporates think about liquidity.
TreasuryVirtual AccountsLiquidity
The Unglamorous Work Behind Cross-Border Payments
·Harsh Thakkar
Faster cross-border payments get the headlines. The product work that actually gets them there is slower, quieter, and mostly about reducing exceptions.
PaymentsCross-BorderProduct Strategy
What ISO 20022 Actually Changes for Cash Management Products
·Harsh Thakkar
ISO 20022 gets talked about as a messaging standard upgrade. For product teams, it's really an opportunity to rebuild reconciliation and reporting around richer data.
ISO 20022PaymentsProduct Strategy