The Tells of Fragmented Cash: Why Manual Workload Gives It Away

Quick Summary

Mali Bartlett, Managing Director, Liquidity & Account Solutions at J.P. Morgan Payments, says the clearest tell that a treasury team has fragmented cash is manual workload. Significant bank accounts across many markets and many banking partners, and highly skilled people spending a good part of the day stitching data together to compile a picture, are the signs to watch for.

Is fragmented cash always obvious to a treasury team?

Not necessarily, and the question is whether there are signals a team can rely on. Bartlett says there are some tells right from the start, and oftentimes it really is just the manual workload.

What are the tells?

She points to a lot of fragmentation: significant bank accounts in many markets across many banking partners. As a result, a decent part of the day, and highly skilled resources at that, goes on stitching data together to compile a picture.

Bartlett says many organisations face this challenge, and J.P. Morgan Payments can come in to help support them on that journey.

FF NEWS TAKE:

A useful self-diagnosis for any treasury team: if your best people spend the morning assembling data rather than acting on it, that is the tell. It is a simple test, and it is the same one that links every clip in Bartlett's interview, from visibility to automation.